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travel insurance and trip purpose

Posted by legrass on 29/12/2015 at 13:03


I'd like to have a travel insurance that covers annual multi-trips, some for business purpose and some for holidays. However, I don't understand whether the purpose of the trip is a key aspect for the policy. I can see that some offer optional "business cover" to cover additional equipment, but let's say I don't have any equipment to cover, can I travel to e.g., Rome, to a conference (hence for business) with a common travel insurance and be covered like I would travel to the same city for pleasure?


#1 legrass has been a member since 29/12/2015. Posts: 1

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Posted by antoniamitchell on 31/12/2015 at 08:03

You can certainly travel for both business and leisure on the same travel insurance policy - the policies specifically for business just exist because some business travel wouldn't be adequately covered by standard policies (for example, travelling with a lot of expensive computer equipment or samples that wouldn't be covered under the valuables section of the policy, or being out of the country for more than the allowed number of days in a year).

But if your business travel is adequately covered by your standard policy (in number of days out of the country and valuable limits, etc), there's no need to take out a separate business travel policy.

#2 antoniamitchell has been a member since 13/5/2012. Posts: 566
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