- Flexicover is a trading name of Travel Insurance Facilities Plc, authorised and regulated by the Financial Conduct Authority, FRN 306537.
- Policies are underwritten by Collinson Insurance, a trading name of Astrenska Insurance Limited, FRN 202846.
- The product page advertises up to 10 million pounds emergency medical cover and up to 5,000 pounds cancellation cover per person.
- Single trip cover is advertised as having no age limits, with prices quoted from 10 pounds for single trip and 45 pounds for annual multi-trip.
- Claims are administered by Collinson Insurance Services, based at Sussex House, Haywards Heath.
What Flexicover is
Flexicover is a UK travel insurance brand operated by Travel Insurance Facilities Plc, a company that also trades under the tifgroup name and runs a number of other travel insurance brands. The company is registered in England and Wales under number 03220410, with a registered office at Suite 12, 20 Churchill Square, Kings Hill, West Malling, Kent. It is authorised and regulated by the Financial Conduct Authority under firm reference number 306537.
Flexicover itself does not carry the insurance risk. It distributes and administers cover on a non-advised basis, meaning the brand sells policies without giving a personal recommendation. The buyer is responsible for deciding whether a given policy meets their needs, which makes reading the cover levels and policy wording before purchase the deciding factor rather than any sales guidance.
Who underwrites the cover
According to the brand's own insurer disclosure, Flexicover travel insurance is underwritten by Collinson Insurance, a trading name of Astrenska Insurance Limited. Astrenska is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority, with Financial Services Register number 202846. That FRN appears on the FCA register as an authorised insurance firm with a principal place of business in Haywards Heath, West Sussex.
The distinction matters at claim time. The named insurer carries the liability and sits behind the Financial Services Compensation Scheme protections that apply to UK-regulated general insurance, while Travel Insurance Facilities Plc handles the sale and administration. Flexicover's own documentation notes that gadget cover has been underwritten by different insurers over time, so the cover behind any optional section is worth checking against the policy wording in force on the purchase date.
What policies Flexicover offers
The product range covers the standard UK travel insurance categories: single trip, annual multi-trip, winter sports, UK-only travel, and a cruise extension. The brand's policy documentation references a cover level named Silver across single trip, annual multi-trip and winter sports policies, and the website points buyers to a separate cover levels page for the full tier breakdown.
Winter sports and cruise cover are handled in the way the Foreign, Commonwealth and Development Office describes as typical for the UK market: cruises generally require an additional level of cover, and certain activities need a specialist policy or an add-on rather than being included by default. Buyers planning either should confirm the relevant section is selected at quote stage rather than assuming it is bundled.
Pricing structure
Flexicover quotes single trip cover from 10 pounds and annual multi-trip cover from 45 pounds, both marked with terms that indicate the lowest prices apply to specific traveller profiles and destinations rather than every buyer. As with all travel insurance, the final premium is driven by age, destination, trip length, the cover level chosen, and any declared medical conditions.
Because the cover is sold non-advised, the headline price is only meaningful alongside the cover level it buys. A lower premium attached to a lower cover tier is not directly comparable with a higher premium on a wider tier, so the cover levels page and the policy wording carry more weight than the starting price.
What is covered and excluded
The Flexicover product page advertises up to 10 million pounds of emergency medical cover per person and up to 5,000 pounds of cancellation cover per person. The 10 million pound medical figure sits at the higher end of the headline limits seen across UK travel policies. Industry data gives that figure context: the Association of British Insurers reported that its members paid 472 million pounds across more than 500,000 travel claims in 2024, with medical claims alone reaching 262 million pounds and one member paying over 1 million pounds for a single United States hospitalisation and repatriation case.
Standard travel insurance exclusions still apply. The FCDO's guidance is explicit that failing to declare existing medical conditions or pending treatment may invalidate a policy, and that some insurers waive the medical excess if a valid GHIC or EHIC is used for treatment within the EEA. A free UK Global Health Insurance Card covers medically necessary state healthcare in the EEA but does not cover repatriation, private treatment, or mountain rescue, so it complements rather than replaces a travel policy. Cover limits, excesses and exclusions for each section should be read from the policy wording for the tier purchased, because the headline maximums are upper limits rather than amounts paid on every claim.
How Flexicover compares
Against the wider market, Flexicover's structure is conventional: a distributor brand on a non-advised basis, sitting in front of a single named UK insurer. Its 10 million pound medical headline is competitive on paper, though several UK providers advertise unlimited or higher emergency medical cover, and the absence of an age limit on single trip cover is a point of difference for older travellers, since some policies cap entry age. What separates providers in this segment tends to be the per-section limits, the excess structure, and how pre-existing conditions are priced rather than the top-line medical number alone.
How to make a claim
Claims under Flexicover policies are administered by Collinson Insurance Services Limited, based at Sussex House, Perrymount Road, Haywards Heath, West Sussex. For emergencies abroad, travel policies typically require contact with the insurer's assistance line before incurring major medical costs, and the FCDO notes that emergency transport such as an ambulance is often charged separately and should be covered by the policy. The current claims and emergency assistance contact details should be taken from the policy documents issued at purchase, as these are the numbers tied to the specific cover in force.
If a claim is declined and the response is unsatisfactory, a UK policyholder can refer the complaint to the Financial Ombudsman Service after the insurer's final response, free of charge.
Who Flexicover might suit
Flexicover is structured for travellers who are comfortable buying on a non-advised basis and reading cover levels themselves. The high headline medical limit and the absence of a single trip age cap point toward travellers who want a larger emergency medical figure or who have been turned away elsewhere on age grounds. Travellers with pre-existing medical conditions, those planning cruises, and those taking part in winter sports should confirm the relevant section and any condition declarations at quote stage, because the suitability of the cover rests on those details rather than the starting price.
Sources
- Flexicover travel insurance product page
- Flexicover About Us and regulatory disclosure
- Flexicover Our Insurers (underwriter disclosure)
- Flexicover single trip cover
- FCA register entry for Astrenska Insurance Limited, FRN 202846
- ABI travel insurance claims data 2024
- FCDO foreign travel insurance guidance
- NHS Global Health Insurance Card (GHIC)
