InsureandGo Discount Codes

About InsureandGo

InsureandGo is a specialist travel insurance provider operating in the UK market, selling policies directly through its website. The model is straightforward: you enter your trip details, select a level of cover - typically Silver, Gold, or Platinum - and buy. No brokers, no call centres unless you need them. The quote-to-purchase flow is faster than most, which matters when you've just booked flights at 11pm and remembered you have no insurance.

The product range covers single-trip and annual multi-trip policies, as well as options for winter sports, cruise travel, and backpacker-style extended trips. The no upper age limit positioning is genuinely notable - older travellers are routinely turned away or quoted eye-watering premiums elsewhere, so InsureandGo's willingness to cover customers regardless of age gives it a meaningful edge for a segment the industry often treats as an afterthought.

The cover itself is competitive at the mid-to-upper tier. Medical emergency limits, cancellation cover, and baggage protection all sit in the ranges you'd expect from a reputable specialist. The Platinum tier is aimed squarely at those who want comprehensive protection and don't want to read the exclusions page with a magnifying glass. That said, as with all travel insurance, the excess structure and medical declaration process deserve close attention before you click buy - this is the area where most disappointments happen, not at purchase but at claim.

Where InsureandGo is less exciting is price for younger, healthy travellers on straightforward domestic European trips. Aggregators like Compare the Market or GoCompare will often surface cheaper single-trip options. InsureandGo knows this; it competes less on headline price and more on breadth of cover and specialist propositions like cruise and winter sports add-ons.

There's no traditional loyalty or rewards programme to speak of - this is insurance, not a supermarket. Repeat customers benefit from familiarity with the quoting system and the fact that annual multi-trip policies remove the friction of buying again before every holiday. That's arguably its own form of retention.

Delivery doesn't really apply here in any meaningful sense. Policies are issued digitally, documents arrive by email, and you're covered from the start date you select. No waiting, no physical post unless you specifically request it.

The honest verdict: InsureandGo is well-suited to older travellers, anyone planning a cruise or ski trip, and those who want annual cover from a brand that's been doing this for a while. If you're 24 and heading to Barcelona for a weekend, check the aggregators first. If you're 65-plus, doing two weeks in the Alps, or want comprehensive annual cover without being bounced between insurers - this is a reasonable place to start.

How to use a InsureandGo discount code

1. Head to insureandgo.com and run a quote as normal - enter your destination, travel dates, and traveller details until you reach the policy selection screen.
2. Choose your level of cover (Silver, Gold, or Platinum) and any relevant add-ons like winter sports or cruise cover. The promo code field typically appears at the payment or checkout stage, not during the initial quote.
3. Look for a box labelled something like "Promotional code" or "Discount code" near the order summary. It won't auto-apply - you need to type or paste the code in manually.
4. Click "Apply" or the equivalent button and check that the discount has been reflected in the total before you enter any payment details. If the price doesn't change, the code hasn't worked.
5. Complete the payment as normal. Your policy documents will arrive by email, usually within a few minutes.

InsureandGo shopping tips

• Stack your timing with active codes. CodeHut currently lists 7 active voucher codes and 11 deals for InsureandGo, with discounts running from 5% to 20% off. The 20% codes are the most common, so check here before quoting - there's rarely a good reason to pay full price.
• Annual policies can be better value than they appear. If you take more than two trips a year, an annual multi-trip policy often undercuts the sum of individual single-trip purchases. Run the numbers both ways before deciding, especially if you're also adding winter sports cover.
• Declare medical conditions accurately. This sounds obvious but it's where travel insurance goes wrong most often. An undeclared pre-existing condition can void a claim entirely. InsureandGo has a medical screening process - use it honestly. It protects you more than it protects them.
• The no upper age limit offer is worth highlighting to older relatives. Many standard insurers cap cover or add punishing age-related loadings. InsureandGo's lack of an upper age ceiling is a genuine differentiator, particularly for travellers in their 70s and 80s who may struggle to find comparable cover elsewhere.
• Check the excess before buying on price alone. A cheaper policy with a high excess on medical claims can cost you more than a slightly pricier policy with a lower one. For European travel especially, medical costs can add up quickly - the excess structure matters.
• Cruise-specific cover is a specialist product. Standard travel insurance often excludes or limits cruise-related claims like cabin confinement or missed port departure. If you're booking a cruise, make sure you're selecting the appropriate add-on rather than assuming a standard policy will cover it.
• Buy as soon as you book, not the day before you travel. Cancellation cover only kicks in from the date you purchase the policy. If your circumstances change between booking and travel - illness, family emergency, redundancy - you're only protected if you bought insurance at the time of booking.