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Customer Reviews
 
9.7 out of 10
884 customers have written a review on Trustpilot
Latest Reviews
payingtoomuch.com
 
4
02 Oct
Very good in the end - though there was more than a little friction!
Two initial problems - the person initially dealing with my call didnt seem to know the status of the West Bank, which is where I am going. That, I think, is pretty fundamental - I wanted to be sure that any insurance i was offered actually covered the West Bank (which is not, as the person concerned appeared to think, part of Israel). And he also didnt know how to handle my objections to some of the questions I was being asked - he was perfectly entitled to ask them (they were on his mandatory list) but I cannot be the first person who queried their relevance, and I would have expected that he knew how to deal with such queries, without causing me upset. However, once we had got past those difficulties, I received very good and courteous service and a very good quote which I accepted. I would recommend (indeed, have already done so), Read more
payingtoomuch.com
 
5
29 Sep
clear and understanding service
I found the assistant knowledgable and helpful Read more
payingtoomuch.com
 
5
26 Sep
payingtoomuch.com well worth it !
I am very impressed with all the information I have gained and the help and knowledge given by the advisor I spoke to !!! Even more impressed with the huge saving I made on my car insurance !!! Read more
payingtoomuch.com
 
5
26 Sep
Excellent
Spoke on phone and contact was very helpful. Read more
payingtoomuch.com
 
5
25 Sep
Very helpful and professional service
I was looking for a Life Insurance to cover my mortgage, Rob Dales was very helpful and knowledgeable about all the different options available to me. The screening was completed quickly without any pressure. Very impressie service - I look forward to trying some of their other products. Read more
payingtoomuch.com
 
5
24 Sep
Polite and friendly they said very helpful they said ???
When I read the reviews this what they were saying I thought I will take that with a pinch of salt so I thought give it a go I answered all the questions did the medical screening come to the part where you have look at the final figure thought that can't be right so I did it over again still the same so I phoned up and and a lovely lady answered very friendly voice put me at ease right away told me that the figure was right made my day as it was the best quote I had found in days like the reviews say polite friendly helpful what more can I say and like the man said I will be back. Read more
payingtoomuch.com
 
5
24 Sep
lowest quote in the last 4 years!
I was dealt with by a very pleasant lady called Amanda and very quickly got a very good quote, despite both myself and my husband having medical problems, the lowest for the last 4 years at least! It was reccommended to me by a friend, who also got a very quote. Read more
payingtoomuch.com
 
5
22 Sep
paying too much NOT NOW
what a great way to do business no pushy sales man just plain honest and most of all friendly. the " the small print " was explained in simple words I would recommend this company anytime for holiday ins PS ask for ROB DALE he was excellent. Read more
payingtoomuch.com
 
5
19 Sep
Save money but get excellent service
I had a problem with my annual travel insurance running out whilst I was going to be away on holiday. This was due to my misreading the expiry date and no fault of the insurers. However they were very helpful and arranged for an insurance to cover the period of the holiday at a very good price. I would recommend them to anyone and will certainly use them for my next travel insurance requirements. Read more
payingtoomuch.com
 
5
19 Sep
First Class Service - Easy to use - Excellent Comparison Site - Highly recommend
I searched all the recognised search sites, checked this site and after comparing prices this site came up with a well known and recognised insurance company that offered a price that was exactly what I wanted. I filled in my details and after a short phone call from Steve from PayingTooMuch I had Cover confirmed. The 30 day cancellation is also a Peace of Mind guarantee Read more
payingtoomuch.com
 
5
19 Sep
italy here I come
Had an exciting day, just booked a trip to Italy, Now the question of insurance, as a senior citizen it is hard to find affordable cover, that is until I found PayingTooMuch.com. The staff and my contact was Rob Dale are so friendly and helpful. I used them when I went to Ireland so they had a record of all my details. My holiday cover was in place in no time. Read more
payingtoomuch.com
 
5
18 Sep
Excellent service and value for money.
Came across this great website whilst searching on Google for holiday insurance that covered pre existing health conditions. I got myself muddled buying on the web so I called the freephone number and was given some fantastic quotes, the salesperson was patient, chatty and very helpful. Just made my second call to Paying Too Much in order to buy the right Holiday insurance and once again it was a courteous and very helpful call, purchasing was easy, there are no credit card fees and you gain bonus coins towards future purchases. I would strongly recommend anyone looking to buy insurance makes Paying Too Much their first port of call. Read more
payingtoomuch.com
 
4
18 Sep
Straightforward, clear, to the point and swift
The whole process of applying and being granted a life insurance policy seemed very straightforward and unexpectedly easy. when I needed some extra info over the phone it was available instantly and in a friendly easy to understand way. Quotes seemed much better than going direct to insurer as well. Good. Read more
payingtoomuch.com
 
5
17 Sep
Very Good
Excellent to deal with and good quotations given Read more
payingtoomuch.com
 
4
17 Sep
Travel insurance choice made easier by telephone follow-up.
Choosing travel insurance on comparison sites gets you the most competitive rates but you may have no information on the companies. The telephone link was useful for asking questions. Also, it was the only site I have used that had a function for deleting a component that I did not require to be insured (in my case, for baggage). Of course the final analysis with travel insurance choice only occurs if you have to make a claim. Read more
payingtoomuch.com
 
5
17 Sep
Very helpful.
The person I spoke to was very patient while I told them my health issues. They then slowly went over it again to make sure they had everything and then gave me a price . I was pleasantly surprised at the price and took policy out . I would not hesitate to take out policies again ( and will probably do so again for next years holiday ) . Thank you for making it all so easy Read more
payingtoomuch.com
 
5
17 Sep
So much easier and cheaper than usual
I have multiple medical conditions and getting travel insurance is normally an expensive time consuming process. This really was a breath of fresh air, one call, and three decent quotes. Representative was lovely as well - Thanks Read more
payingtoomuch.com
 
5
17 Sep
Very smooth service will use again
after a bit of a problem where I cancelled the policy by mistake they pick up the details and sorted a new policy and at the same cost great service well done Read more
payingtoomuch.com
 
5
15 Sep
For that price ,did I leave something out? No I didnt !
I needed travel insurance and completed rivals questionnaires , watching the cost go up and up. I tried PayingTooMuch.Com ,filled out their questionnaire and it scarcely moved .I looked again....and again. What had I missed? Had I given an incorrect answer? Was there some complex small print? This looked too good to be true, so I phoned ---and went through it all again. The price stayed . I bought their Travel Insurance. Not only that.I had a pleasant conversation with an operator who treated me like a human . No hard sell or sounding like I was #4 of the 25 to be spoken to in the next 2 hours to meet the targets. Best by a long way. Read more
payingtoomuch.com
 
5
15 Sep
If only other Insurance sites where like this
The only problem I have was one I caused my self awaiting E Mail reply but other than that everything went very smoothly Read more
TRUSTPILOT

Permanent Life Assurance Comparison

We compare for 2,000+ conditions:

  • Angina, stroke and heart stents
  • Diabetes and high blood pressure
  • Many other conditions covered
  • Compare online, or call us on 01243 784000.
Y

Details about your trip:

Trip type
Where are you travelling to ?
Departure date
Return Date
Longest trip:
No. of Travellers ?
If you have any pre-existing medical conditions, the policy will start from todays date. Please note: policies only available to permanent UK residents, currently in the UK
Please note: policies only available to permanent UK residents, currently in the UK
Additional cover: 

Your details

Title:
Surname:
Telephone number:
Your date of birth:

Medical conditions

Does anyone in the group have a pre-existing medical condition or is aged 70 or over?
Your annual policy will start from todays date
How many people ?
Would you like to quote travellers with medical conditions seperately? This reduces cancellation and curtailment cover, see help for details.

Travellers details

Please enter traveller details below

Traveller ages:
Are you travelling as a couple or family ?
Aged 70 or more ? Click here

Travellers details

Please enter traveller details below

Age
Title
First Name
Surname
1:
2:
3:
4:

Travellers details (2/2)

Please enter traveller details below

Age
Title
First Name
Surname
5:
6:
7:

Pre-existing medical conditions

Please answer the following questions

Please note : no cover is available if you are awaiting investigation for an undiagnosed condition.
Please tick if any of the travellers are on any kind of waiting list for treatment or surgery
Please tick if any of the travellers have been given a terminal prognosis
Please tick if the terminal prognosis is within 6 months of the return date
Are you travelling to any of the following destinations ?
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About our specialist travel and holiday insurance service

Our specialist travel and holiday insurance comparison service is able to provide for customers with pre-existing medical conditions and those aged 70 or over.

To compare prices, simply enter your trip details above and proceed as normal, declaring any pre-existing medical conditions when prompted.
Condition Premium
No conditions £6.39
Diabetes £15.94
High blood pressure £17.54
Bowel cancer £20.00
Arrhythmia £24.00
* Example premiums of a 50 year old travelling to Europe for 14 days.

Which pre-existing medical conditions can you cover?

We compare a range of pre-existing medical conditions; the most common conditions we encounter are listed below:

Allergy Depression Obesity
Anaphylaxis Diabetes Osteoarthritis
Arthritis Epilepsy Osteoporosis
Arrhythmia (irregular heartbeat) High blood pressure Pancreatitis
Bowel prolapse High cholesterol Polymyositis
Cardiac valve disease Hypothyroidism Psoriatic arthritis
Cervical spondylitis Irritable bowel syndrome Retinopathy
Chronic airflow limitation Ischaemic heart disease Rheumatoid arthritis
Coronary angioplasty Joint replacement Sleep apnoea
Deep vein thrombosis Low blood pressure Slipped disc
Dementia Meniere’s disease Ulcerative colitis

Can I simply not declare my pre-existing medical condition?

Any claims made as a direct or indirect result of a pre-existing medical condition must have been declared at the start of the policy in order to be successful.

Some customers do decide to take out standard travel insurance without disclosing their pre-existing conditions as the baggage and belongings cover will still be covered.

However these customers should be cautious about claiming for medical expenses or for claiming under cancellation due to falling ill before the departure date, as non-disclosure of pre-existing conditions could very likely invalidate such a claim.

Should I include standard travellers on a specialist travel insurance policy?

It tends to be much cheaper to insure standard travellers on a separate policy than adding to a specialist policy that is designed to cover those with pre-existing medical conditions.

This is because the insurer is taking on the additional risk that the standard travellers may incur additional cancellation and curtailment costs as a result of the traveller with the pre-existing medical condition(s) becoming ill.

We therefore suggest you consider whether the standard travellers are dependent on those with the pre-existing condition(s). If the standard travellers would be unaffected by a worst-case scenario affecting the traveller(s) with the pre-existing medical condition(s), then they may only require a separate/standard travel insurance policy, which is likely to be significantly cheaper.

There will be some scenarios (eg. when travelling with those under 16) where it is necessary for standard and non-standard travellers to be placed on the same policy.
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