Debenhams Worldwide Annual Travel Insurance - Approx £30 with £10 gift voucher and 12% cashback via TCB
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Debenhams Worldwide Annual Travel Insurance - Approx £30 with £10 gift voucher and 12% cashback via TCB

38
Found 21st Jun 2015
A bit of a long winded deal to explain but excellent value for money.

If you use TCB compare for your annual travel insurance, Debenhams is one of the cheapest options, with gold cover (Defacto 3*) £28.63 for me (22 year old male). This is for worldwide including USA. On top of this cashback is 12% and you receive a £10 gift voucher. Bronze and silver options are cheaper again, starting at £22 but the cover provided by the gold is worth it for me.

Obviously this is age dependent but for the cover provided this price is hard to beat.

Hope it helps!

38 Comments

I agree. I bought policy 4 weeks ago and received £10 Debenhams email voucher on Saturday. TCB tracked but not payable yet.

Is this Europe or worldwide? While I agree it's not a bad deal, remember you can get free 5-Star Defacto European travel insurance until your 75th birthday with a Nationwide Flexaccount if you pay in £750 a month (can draw it straight back out), plus Topcashback or Quidco for opening an account. hotukdeals.com/dea…704
Edited by: "MarkShopper" 21st Jun 2015

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almost certainly NOT worldwide

Original Poster

billybob59

almost certainly NOT worldwide



No it is worldwide (off to Oz and possibly US next year so went for worldwide option) hence why I was so impressed with the value. Should have put it in the title and that's been amended now thanks
Edited by: "grother" 21st Jun 2015

grother

No it is worldwide (off to Oz and possibly US next year so went for … No it is worldwide (off to Oz and possibly US next year so went for worldwide option) hence why I was so impressed with the value. Should have put it in the title and that's been amended now thanks



When I ask for a worldwide quote for a 22-year-old it says £42.60 standard, £56.78 superior and £73.82 luxury.

Original Poster

I can only comment on what I've got but mine cost £28.63 for gold cover and I bought the same cover for my 21 year old girlfriend a few weeks ago and that was around the £26 mark. You have to go via topcashback compare to get the price

grother

I can only comment on what I've got but mine cost £28.63 for gold cover … I can only comment on what I've got but mine cost £28.63 for gold cover and I bought the same cover for my 21 year old girlfriend a few weeks ago and that was around the £26 mark. You have to go via topcashback compare to get the price



Good price if you can get it.

Worldwide travellers should consider Nationwide Flexplus as that covers the whole family (at one address) with 5-star Defacto travel insurance for £10 a month, along with Commission-free cash withdrawals abroad, UK & European Breakdown and Recovery Assistance, Worldwide family mobile phone insurance, extended warranty on appliances, and 3% interest up to £2,500.
Edited by: "MarkShopper" 21st Jun 2015

£48 here

Just check that the medical cover is £10 million, often cheaper policies are only £5million and for the U.S. that's not enough. Good price if it is but something isn't right as its 3 star cover

Debenhams site direct doesn't show gold cover standard, superior and luxury gold must be a special TCB one, you can get the £10 voucher direct as well
Edited by: "eslick" 21st Jun 2015

eslick

Just check that the medical cover is £10 million, often cheaper policies … Just check that the medical cover is £10 million, often cheaper policies are only £5million and for the U.S. that's not enough. Good price if it is but something isn't right as its 3 star cover



Debenhams is £5M standard (£200 excess), £10M superior (£100 excess) and £10M luxury (£50 excess).

Nationwide Flexplus is £10M (£50 excess).

My inlaws pay £400 insurance to go to Tenerife for 2 weeks, both in their early 70's.

sorted

With Travelwise (underwritten by AXA) I pay £51 a year which covers both myself & my partner.
Worldwide (Inc USA, Canada & Caribbean)
Multi-Trip inc Winter Sports
£10m medical insurance

MarkShopper

Good price if you can get it.Worldwide travellers should consider … Good price if you can get it.Worldwide travellers should consider Nationwide Flexplus as that covers the whole family (at one address) with 5-star Defacto travel insurance for £10 a month, along with Commission-free cash withdrawals abroad, UK & European Breakdown and Recovery Assistance, Worldwide family mobile phone insurance, extended warranty on appliances, and 3% interest up to £2,500.


I thought that the Nationwide travel insurance was a good deal until I had a heart attack, and they then refused to cover me for a holiday that I had already booked for 9 months later. I had no option but to take out insurance elsewhere despite having paid my premium and having no ailments at the time.

The irony is that despite me supposedly being a bad risk, I'm probably fitter than most people and my holiday went as planned, albeit with alternative, but more expensive insurance. I will never trust them again.
Edited by: "spock1958" 21st Jun 2015

Banned

spock1958

I thought that the Nationwide travel insurance was a good deal until I … I thought that the Nationwide travel insurance was a good deal until I had a heart attack, and they then refused to cover me for a holiday that I had already booked for 9 months later. I had no option but to take out insurance elsewhere despite having paid my premium and having no ailments at the time.The irony is that despite me supposedly being a bad risk, I'm probably fitter than most people and my holiday went as planned, albeit with alternative, but more expensive insurance. I will never trust them again.



Why would you expect them to want to cover you when you had already had a heart attack? They just look at the risk and declining you must have been an easy decision.

Original Poster

eslick

Just check that the medical cover is £10 million, often cheaper policies … Just check that the medical cover is £10 million, often cheaper policies are only £5million and for the U.S. that's not enough. Good price if it is but something isn't right as its 3 star coverDebenhams site direct doesn't show gold cover standard, superior and luxury gold must be a special TCB one, you can get the £10 voucher direct as well



Good point to note, all the debenhams options available via TCB include £10 million medical but worth double checking as you click through

This looks handy as European multi trip will be £23 for me with a few quid cash back and then factor in the £10 voucher. You definitely get the voucher going through top cash back yeah? The small print says through money supermarket and direct

I have bought insurance from Debenhams Travel Insurance before and never got the gift card or the cashback promised by TopCashback. Buyer beware, perhaps.

Original Poster

mclean

This looks handy as European multi trip will be £23 for me with a few … This looks handy as European multi trip will be £23 for me with a few quid cash back and then factor in the £10 voucher. You definitely get the voucher going through top cash back yeah? The small print says through money supermarket and direct



100% you get the voucher through TCB

Can't see that anywhere. Thinking to be safe just going through debenhams direct

Original Poster

mclean

Can't see that anywhere. Thinking to be safe just going through debenhams … Can't see that anywhere. Thinking to be safe just going through debenhams direct


If you are using a tablet/phone it doesn't come up but it is included, clearer to see if you use a PC

Banned

I can get Debenhams European annual cover Bronze for £15 with £10 giftcard to follow.

=£5.

£10m medical.

Might actually do it
Edited by: "bob99999" 21st Jun 2015

grother

If you are using a tablet/phone it doesn't come up but it is included, … If you are using a tablet/phone it doesn't come up but it is included, clearer to see if you use a PC


Cool thanks for the heads up

Banned

You will have 30 days to redeem your gift card in store from receipt.

Banned

Same 30 days for policies direct from Debs

Sorry OP using confused.com there were much better deals available to me but good luck to others

Just happen to be looking for this, but trip length in USA needs to be at least up to 3 months not the more usual 60 days. Will be reading up on Ts and Cs also the Nationwide deal thanks OP and Markshopper.

buglawton

Just happen to be looking for this, but trip length in USA needs to be at … Just happen to be looking for this, but trip length in USA needs to be at least up to 3 months not the more usual 60 days. Will be reading up on Ts and Cs also the Nationwide deal thanks OP and Markshopper.



Nationwide Flexplus covers up to 31 days, so you'd have to pay a supplement for a longer trip.

Banned

I went for my £5 annual Europe multi trip policy as I can use the £10 voucher in the Debbs café next week

bob99999

Why would you expect them to want to cover you when you had already had a … Why would you expect them to want to cover you when you had already had a heart attack? They just look at the risk and declining you must have been an easy decision.


On the grounds that I was perfectly healthy when I paid my premium, and they accepted my payment based on the situation at the time, then yes I would expect them to continue my cover.

Banned

spock1958

On the grounds that I was perfectly healthy when I paid my premium, and … On the grounds that I was perfectly healthy when I paid my premium, and they accepted my payment based on the situation at the time, then yes I would expect them to continue my cover.



But the T&Cs say you have to notify them about any relevant new medical information!

bob99999

But the T&Cs say you have to notify them about any relevant new medical … But the T&Cs say you have to notify them about any relevant new medical information!


Which I did. Every other insurer will then ask for an extra premium to cover the (supposed) extra risk. No other insurer refused point blank to cover me any more as Nationwide (aka UK Insurance) did. It's not as if having a heart attack is top of the list of risky conditions as (most) people tend to look after themselves better as a result, compared with (lets say) the condition of having a low IQ, going to Ibiza, getting tanked up and jumping off balconies for a bit of a laugh as an example. Nobody has ever been asked for extra premiums for that.

Banned

spock1958

Which I did. Every other insurer will then ask for an extra premium to … Which I did. Every other insurer will then ask for an extra premium to cover the (supposed) extra risk. No other insurer refused point blank to cover me any more as Nationwide (aka UK Insurance) did. It's not as if having a heart attack is top of the list of risky conditions as (most) people tend to look after themselves better as a result, compared with (lets say) the condition of having a low IQ, going to Ibiza, getting tanked up and jumping off balconies for a bit of a laugh as an example. Nobody has ever been asked for extra premiums for that.



You're just spouting nonsense.

You had a heart attack, you told your insurer, they decided that your new medical condition meant they could no longer insure you. Nothing strange in that decision.

Thanks OP,
Just bought an annual gold policy,
Well chuffed, was going to pay around £50 with Amex.
Now it'll be about £25 after the gift card and cashback come through.

Note the price was £15 cheaper going via topcashback compare than it was direct.

Edited by: "whereisthesun" 24th Jun 2015

Banned


Enjoy spending your gift-card online



You can use your £10 gift-card online at debenhams.com to pay for all or part of your order.



Redeeming your gift-card is as simple as using the barcode number and PIN above.



Here’s how...

bob99999

Why would you expect them to want to cover you when you had already had a … Why would you expect them to want to cover you when you had already had a heart attack? They just look at the risk and declining you must have been an easy decision.



bob99999

Why would you expect them to want to cover you when you had already had a … Why would you expect them to want to cover you when you had already had a heart attack? They just look at the risk and declining you must have been an easy decision.



It was probably an "off the shelf" policy which will automatically exclude certain conditions. Having had a heart problem last year i would concur that we are probably a LOT fitter especially if doing Rehab for the condition. This time last year I felt awful.

Thanks for posting this. Just got an annual multi trip worldwide cover for two adults and one child. Paid 45.00 and got 12.50 cash back via topcashback. Effectively 33.00. Superb!
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