Club Together
exclusive offer
Travel insurance
to suit you from just £37.64 with no excess
 |
Club Together’s offer on Travel Insurance has been designed in conjunction with feedback from Club Together readers and retirees across the UK. Many of us have experienced the ridiculously low age limits, staggeringly expensive premiums and unsympathetic ear of many providers when trying to sort out travel insurance, but now using the collective buying power of Club Together we have a better solution.
• 3 products without any ‘claims excess’ - what you see is what you get
• Guaranteed cover up to age 89 with the Medical Declaration cover (for a single trip policy, and up to age 79 for annual multi trip cover).
• When you renew annual cover, your premium remains the same next year
• Travel supplier insolvency cover included
• Underwritten by Europ Assistance - experts in international assistance
• UK call centres
|
Get a quote right now
If you’d like to know how much you could save on your travel insurance, call
0800 988 1918 quoting ref: ROCK
What makes Rock Travel Insurance different?
Firstly, Rock has tailored this cover for people aged over 50 as they fully appreciate the penalties usually applied to people in this age range. To suit different budgets and needs Rock have designed 3 different products, all specifically for Club Together – with this range of policies you are bound to find cover to suit your needs.
Check Rock’s comparison table below to see how they measure up.
Choose from 3 products to suit your needs and your budget
No Pre-existing Conditions cover
Club Together received feedback that one of the major bugbears is finding cover that doesn’t require a medical
once you’ve hit 50. With this product you don’t have to take a medical examination, or even answer health questions – if you are fit and healthy, aged 79 or under, with no-pre existing conditions, this is the cover for you.
Medical Declaration cover
If you want more peace of mind, because of your medical history, but don’t feel it warrants a medical examination, this product may be more suitable. Rock will simply ask you a series of ‘medical declaration’ questions about your health. If you can select “I agree” to all of them, then providing you are 79 or below, you are covered, aged 80 – 89 and Rock can still offer you this great value travel insurance, however any pre existing medical conditions will not be covered by this policy. If you can’t select “I agree” then you can still get travel insurance through the ‘Medical Screening’ cover product.
Medical Screening cover
The greatest worry for people who have a pre-existing medical condition is actually getting cover and not having any nasty surprises if they need to claim. With this product, if you are aged between 50 and 79 you go through a ‘telephone medical screening process’. Rock will then give you cover based on the outcome. This provides excellent peace of mind without a trip to the doctor!
Good honest cover
Club Together made it clear to Rock that NHS RF members wanted travel insurance that’s as good on paper as it is in practice. So with no claims excess and products to suit all your varying needs we are happy to recommend it.
Get a quote right now
If you’d like to know how much you could save on your travel insurance, call
0800 988 1918 quoting ref: ROCK
Reader review: Tony gets answers for you
Are you finding it more and more expensive to get travel insurance? Are medical questions screening you out, or massively inflating the premium? Are companies starting to refuse you insurance at all?
Our readers tell us this is happening to them We’ve used the buying clout of our readership to get a better deal for you on travel insurance. Reader Tony Rose met Antony Martin, Rock Insurance’s Managing Director, to review the offer.
 |
Tony Rose: Need to Know.
- I’m looking for great travel insurance – I have a place out in Portugal.
- I worked as a Manufacturing Director and Consulting Engineer.
- I ran at White City against Roger Banister - but came last!
|
Tony: ‘Who are you? Why should we trust you?’
Antony: “We’re a travel insurance broker that sits behind big retail organisations like Airmiles. We work with Europ Assistance, the third largest travel underwriter in the UK. We don’t advertise to the public.”
Tony: “What’s special about your Club Together travel insurance offer?”
Antony: “We can find a policy to suit you at any age. To keep the cost competitive on this particular offer, we only cover people starting at 50.
“We offer nil excess on claims. There are a few nil excess travel insurance products out there, but they tend to be for customers under the age of 65. (You could further reduce our premium by choosing to take an excess).
“We don’t ask medical questions. We don’t link our prices to your medical history. The price is based purely on age bands. If you fit the simple one-page medical declaration (and 80% of over-50s does) that’s the price you pay. No extra costs.
“The 80% of you that qualify won’t subsidise the 20% with severe conditions so our premium is lower than our competitors.
“We cover more pre-existing conditions than others. Our medical declaration rules out any condition diagnosed or started in the last three months - where you have had to start taking or increase treatment or medication. But if you look at most other policies, they go back 12, even 24 months. If you don’t fit the declaration you can still get cover, but we’d do it on a different policy.
“The price we quote is the price you pay – no extra costs. Club Together travel insurance is a policy where one simple medical declaration means one low up-front price purely dependent on which age band you’re in.
“This is something no-one else has in the travel insurance market. It’s exclusively available through Club Together.”
There's nothing to lose by calling
FREE 0800 988 1918
Tony: “If I have an emergency, who do I ring up? Do you take over and sort everything out?”
Antony: “Europ Assistance in Hayward’s Heath. They are really good at understanding what help you need. If you’re in a serious situation abroad, they will constantly keep you updated with what’s going on with your claim. If they establish that you’re OK, they will let you know what the next time is they will call you.”
Tony: “Can you build into this product a no-claims discount on renewal? Club Together readers want their loyalty rewarded.”
Antony: “We offer a 10-15% discount to renew with us because we value your custom. Call us for free for a quote or more information.”
TONY’S VERDICT
“I was impressed with the offer and it's well worth considering”
‘My assessment is based on meeting the Managing Director of Rock Insurance. Personally I will change our travel insurance to Rock when my curent policy expires. But insurance is a personal decision and no single product can fit all reqirements. I suggest Club Together readers put Rock on their list to be considered.'
TONY’S RATING
Using our 5 Golden Rules for a better deal…
5/5 – Honesty
Simple, up-front, no extra costs
4.5/5 - Price guarantee
Competitive rates not inflated by medical conditions or hefty excess
4/5 – Service
Rock isn't a company that's too big. Its call centre is on site.
4.5/5 - Information
Rock's policy is very simple and less stringent compared to others
4.5/5 – Recognition
Exclusive for Club Together. No claims discount on renewal
TONY’S OVERALL SCORE:
22.5/5
There's nothing to lose by calling
FREE 0800 988 1918
Not renewing your insurance yet?
Ask us to call you back when you are
More on Club Together travel insurance...