This company’s website is very easy to use but I would not say that the premium was competitive as I found a policy a thousand pounds cheaper with a household name insurer. However, the true measure of an insurance policy is when a claim has to be made as their claims are administered by Gallagher Basset something which is not at all made clear. Gallagher Basset’s reviews on Trustpilot are absolutely shocking annd in my experience rightly so. Ask them who andministers insurance claims Explorer Insurance have essentially washed their hands of the whole matter. We are still in the middle of a claim from February, and I foresee that I will be taking both companies to FOS. Since posting the above I have been advised by them that they do mention on page 40 (yes page 40) of the terms and conditions document that they use a claims administration company. However insurance contracts are termed contracts of ‘utmost trust’ and all relevant terms should be clearly displayed. It seems to me that they have contravened this and also FCA guidelines on such contracts, as nothing pre-sales mentions a separate claims company. Also policies are underwritten by another company which they claim means that they are acting on behalf of that other company, that is not my understanding of a policy being underwritten but again not mentioned in pre-sales literature. It seems to me that they are not taking responsibility for anything and hiding behind very very small print. I think this should be tested before FOS.Actually rereading page 40 it does not mention claims management companies at all, never mind Gallagher Bassett. It seems to me that between them one company gets all the the good for all the pre-sales work and Gallagher Bassett gets 94% bad reviews which is why I suspect why Explorer Insurance do not mention them in their documents.
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Explorer Travel Insurance has been trading since 2011 and specialises in great value Single Trip , Annual Multi Trip, Winter Sports , Cruise and Backpacker travel insurance. Buy direct and choose from up to 5 levels of cover with the added peace of mind that all policies are underwritten by Allianz (the world's largest insurer) and include gadget and cruise cover as standard.
We are based in Westcliff on Sea, Essex and are very proud of the excellent levels of service we provide to our customers both online and by our friendly and professional sales advisors.
We don't have a maximum age limit for single trip policies and can offer cover for customers with, or without, pre-existing medical conditions.See more
