Guest First Insurance FAQs


I am going on a holiday in the UK. Can I use Guest First to insure my booking?

Yes. That's what we're here for. Guest First holiday cancellation insurance covers holidays in the UK only. This includes hotel, apartment, bed and breakfast and cottage holidays. Cover starts at just £28.00 per booking.

I am over 60. Can I still insure my booking with Guest First?

Yes of course. We provide holiday insurance cover for people of any age.

My holiday is costing £200. How much will it cost to insure my booking?

Our premiums are calculated per party and based on the cost of your holiday. For holidays up to £300 you will pay just £28.00.

The easiest way to book your cover is to use our online premium quotation form here.

Alternatively you can work out your premium using the simple table here.

What happens if a relative or friend falls ill and I have to cancel the course to look after them?

Guest First covers cancellation or curtailment of your holiday even if it is caused by a close relative who is not travelling.

If you have special relationships or dependents who are not related to you, please call us for more information.

I am going on holiday with a friend. Can we insure both of us on the same application form?

Yes. Simply add together the total cost of the holiday for the two of you and insure at the same time. There is no need to buy two policies. Use our online form to find out how much your premium will be. One of you will be the applicant and you can list up to 11 additional people on the Guest First policy.

Do you cover delays and transport problems?

Yes. We include additional benefits which will cover you for unexpected travel and accommodation expenses, pollution of beaches, motor breakdown and holiday accommodation becoming uninhabitable.

Do you offer foreign travel insurance as well as UK holiday insurance?

Yes. We're travel insurance specialists. Our World First travel insurance offers single trip and cheap annual travel insurance. We can cover anybody of any age including those people with pre-existing medical conditions. These can be declared online or by calling 0345 90 80 161. For instant quotations and online cover go to World First Travel Insurance.

Is there an excess if I need to claim on my Guest First policy?

Yes, although it only applies to cancellation, possessions and medical repatriation. This is £40. If you have to claim as a result of a pre existing medical condition the excess is £80.

For just £9 you can pay an excess waiver, which means you'll pay no excess if you have to claim on any part of your policy.

Does Guest First cover me for foreign travel?

No. The policy only provides cover for holidays in the UK. For holidays abroad visit our sister site, World First Travel Insurance.

Who underwrites Guest First Holiday Insurance?

Guest First is underwritten by Travel Insurance Facilities, which manages the UK and Ireland Branch office of German Insurer, Union Reiseversicherung AG (URV), part of Germany's largest banking group, Versicherungskammer Bayern Group (VKB Group) with 570 regional companies, 19,000 local agencies and a 38 percent share of the German Market.

I have a medical condition. Can you still cover me?

Yes. We cover anyone with any pre existing medical condition without the need for medical screening. But you will be subjected to an excess of £80 if you have to claim as a result of your medical condition, unless you opt for the £9 excess waiver.

What is the maximum cost of a holiday that Guest First can insure?

Our maximum sum insured is £4,000 per booking.

We're travelling by train and booking our tickets in advance. Can we insure the cost of our tickets too?

Yes. Guest First will cover all irrecoverable expenses for travel and pre-booked holiday accommodation. Just include the cost of the tickets when you work out your premium.

Who are Guest First and are you registered with the Financial Conduct Authority?

Guest First is a brand from Rothwell and Towler Ltd, a wholly owned subsidiary CSP Holding Limited, which includes Lloyd's Brokers, Crispin Speers & Partners Ltd (CSP). Our policies are underwritten by Travel Insurance Facilities Group (TIF) a specialist travel insurance full lifecycle service provider.

TIF is a member of the Financial Ombudsman Service (FOS), which gives all policyholders full access to the FOS.