Can I purchase travel insurance from a UK company if I live outside the UK?

On researching the above question over the internet, the general consensus, is, that if you are wanting a cheaper quote on travel insurance and live within the United Kingdom, then you are more likely to be eligible for one of the many offers which are available out there. For instance Aviva travel insurance claims that you can get annual multi-trip travel insurance from just £38, but there are some assumptions that this is based on, for example, some of the following assumptions are made:

•   That you are a resident who is based within the United Kingdom.
•   Aviva’s definition of United Kingdom includes, the Channel Islands, the Isle of Man and Northern Ireland.
•   The policy holder is aged under 70 (the policy holder must also be over the age of 16).
•   Have not already started their trip and left their residing address.
•   Have not in the latter 12 months received any medication, treatment or advice for a medical condition, whether it be undiagnosed or diagnosed).
•   In the last three years have not made any more than two claims.
•   Have not previously received a criminal conviction for dishonesty, deception or fraud.
•   Have not previously been refused travel insurance.

There are other stipulations on their website, along with a full list of terms and conditions relating to their travel insurance policies.

You will also find that many other travel insurance companies on the web will require you to be a UK resident, this is not always evident until you try to apply for a quotation for travel insurance. When you tick the box that asks you the question ‘are you a UK resident’ and you answer no, then this will usually come up with an answer along the lines of ‘this is a product which is only available to those individuals who are permanent residents within the United Kingdom.

The internet is a fantastic way of finding good deals on travel insurance, but let someone else, such as www.insurance64.co.uk do the leg work for you. They have already researched the travel insurance companies for you, so you don’t have to.