Travelling can be a welcome change from your regular routine. In a fast-paced world, your travel plans need to be easy and stress-free. That’s why, at Boshers, in response to our clients asking for recommendations for tailored Travel Insurance, we have teamed up with an external insurer to bring you comprehensive cover for your overseas trips.
Whether you’re flying overseas on the hunt for your dream property or a frequent flyer to your European holiday home, you’ll need Travel Insurance that covers you for all insurable eventualities.

Discover your Travel Insurance Quote & Buy here

Pre-existing medical conditions

If you have a pre-existing medical condition, we will still try and source suitable Travel cover for you, providing we have clear and accurate information on the nature of your condition.

Why Travel Insurance is essential for European Holiday Homeowners

Owning a holiday home in Europe is one of life’s great pleasures – a sun-drenched farmhouse in Tuscany, a chalet in the French Alps, or a villa on a Greek island. But travelling between the UK and your property on a regular basis means you could be more vulnerable to certain events:
• Cancelled or delayed flights.
• Cancellation and curtailment (cancellation if you are forced to abandon your trip before departure. Curtailment if you must return from your trip abroad early, for example, bereavement or serious illness).
• Medical and emergency assistance.
• Loss, theft, or accidental damage to your luggage and personal belongings while travelling.
• Personal liability if you accidentally injure someone or damage their property while you’re abroad.

Travel delay, missed departure and abandonment

Missed departure cover helps if you fail to reach your departure point on time due to a traffic accident, breakdown, or public transport failure. If a delay extends beyond a certain point, abandonment cover can often allow you to cancel the trip altogether and claim back your costs as if it were a standard cancellation. This section of a policy is useful if you’re going on connecting flights or relying on rail or ferry crossings.

Medical emergencies abroad

The European Health Insurance Card (EHIC), or its UK replacement (GHIC) – provides only basic access to state healthcare in many EU countries, and some treatments, repatriation costs, or private hospital care won’t be covered at all. For this reason, the EHIC or GHIC cards are not a replacement for Travel Insurance.
If you are severely injured and need to be flown home for medical treatment, medical evacuation back to the UK can run to tens and even hundreds of thousands of pounds.1 A comprehensive travel insurance policy can pick up these costs, meaning a fall on your terrace steps or a cardiac event doesn’t become a financial catastrophe on top of a health one.

Cancellation and Curtailment

Life doesn’t always cooperate with your travel plans. If a family illness, bereavement, or unexpected work commitment forces you to cancel or cut short your trip, cancellation cover can reimburse non-refundable costs including flights, car hire, and any pre-booked services. For frequent travellers visiting their property several times a year, an annual multi-trip policy makes this particularly cost-effective.

Annual multi-trip policies: The smart choice

For those visiting their European property two or more times a year, a single-trip policy for each visit can quickly become expensive. Annual multi-trip Travel Insurance through Boshers, covers unlimited trips (usually up to 31 or 45 days per trip) for a flat annual premium which can often be cheaper and far more convenient.

Baggage, personal belongings and money

A good Travel Insurance policy can cover loss, theft, or accidental damage to your luggage and personal items while travelling. Valuables such as cameras, laptops, and jewellery frequently have their own lower sub-limits or may require separate specification. One important caveat: items left unattended in a vehicle or in checked luggage on a flight are often excluded or subject to strict conditions, so reading the small print matters here. If you’re unclear as to how your Travel Insurance policy covers your valuables, talk to the Boshers team today.

Personal Liability Insurance

If you accidentally injure someone or damage their property abroad, for example, a collision on a ski slope, a breakage in a rental property, or an incident involving a third party, Personal Liability cover can protect you against legal costs and compensation claims. This cover does not extend to incidents involving motor vehicles (which require separate motor insurance) or deliberate acts.

Peace of mind: The true currency

Ultimately, the greatest benefit of Travel Insurance for property owners with European homes is the freedom to enjoy your home abroad without the background hum of financial anxiety. The property itself represents a major investment; protecting the journeys you make to enjoy it is simply good sense.

Discover your Travel Insurance Quote & Buy here