Insure & GO

Insure & GO is a travel insurance brand. It sells single trip and annual multi-trip policies, including cancellation cover, and it arranges that cover rather than carrying the risk itself: the insurer named on your policy documents is the company that pays claims. It sells online at insureandgo.com, and it also trades under a set of other names, including ASDA Travel, Circlecover.com, Cheaper.TravelInsurance.co.uk and Travelinsurance.co.uk¹.

That second point is the one that catches people out. If you are holding an old policy with Debenhams Travel Insurance, Virgin Travel Insurance or Gatwick Airport Travel Insurance printed on it, it was arranged by the same firm now trading as Insure & GO¹. The brand on the paperwork has changed; the firm behind it has not.

This page covers what Insure & GO offers, the brands it sells under, how to buy and claim, how to complain, and how your cover is protected if the insurer behind it fails.

What Insure & GO offers: travel insurance and cancellation cover

Insure & GO's product is travel insurance, sold as single trip or annual multi-trip cover. Travel insurance typically covers medical expenses, cancellation, baggage and personal belongings, personal liability and delays, so the practical question when you look at any policy is which of those the policy includes and at what level⁴.

Cancellation cover is the part most people end up using, and it is also the part most often misunderstood. Cover is usually provided only where a cancellation or missed flight is caused by a specific event, and the events that qualify are listed in the policy. Typical qualifying events include accident, illness, family bereavement, pregnancy that was unknown when you bought the policy, jury service or a witness summons, redundancy and bad weather⁵. If you change your mind about travelling or miss your flight, your insurance may not cover you⁶.

That distinction matters because a holiday can be cancelled for reasons that fall outside the list. ABTA's advice is to buy travel insurance when you make the booking, so that if you have to cancel you may be able to claim on the policy⁷. Where a travel company charges a cancellation fee, whether you can recover it depends on whether your policy's cancellation section covers that event, so it is worth checking the policy wording before assuming either way.

Two things routinely void cancellation cover. The first is an undeclared medical condition: failure to declare pre-existing conditions can void your policy, or mean a claim is not settled or not settled in full⁵. Insurers need to be told about past or current health issues even if you have recovered⁶. The second is a change after you buy: if your insurer is not told about new medical conditions, changes to medication, amended travel dates, different accommodation or extra travellers, a claim could be rejected even if the issue seems unrelated⁸. A health issue that is still being investigated and not declared carries the same risk⁹.

If a medical condition makes a policy expensive or hard to place, there is a route designed for that. The Insurance guide covers how the wider market works.

Brands Insure & GO sells under, from ASDA Travel to Circlecover.com

Insure & GO sells through a set of trading names rather than one. The FCA register lists ASDA Travel, Circlecover.com, Cheaper.TravelInsurance.co.uk, Travelinsurance.co.uk and PSA Finance Insurance Sales Administration Services as current trading names for the firm¹. A policy bought under any of those names is arranged by Insure & GO.

This is common in travel insurance. ABTA Travel Insurance, for example, is a travel insurance product from ABTA underwritten by Inter Partner Assistance S.A., part of the AXA Group, and it offers three levels of cover, single trip or annual multi-trip policies, worldwide destinations where the Foreign, Commonwealth and Development Office has not advised against travel, and benefits including cruise cover¹⁰. The brand on the website and the company carrying the risk are frequently different, which is why the insurer's name on your policy schedule is the one that matters at claim time.

Independent reviews of the travel insurance market name a wide field of providers. Which?'s travel insurance review listed AllClear, Barclays, Co-op, Columbus Direct, Cover to Go, Flexicover, GigaSure, Holiday Safe, Insurancewith, InsureandGo, Just Travel Cover, Infinity, Nationwide Building Society and Saga among the companies whose products made the grade¹¹. That is a picture of the market, not a ranking of Insure & GO against anyone.

Where Insure & GO arranges cover it does not underwrite, the insurer named in the policy documents is the one that provides the cover and pays claims. That name is on your schedule and in the key facts document you are given before you buy.

Former Insure & GO names you may see on an old policy

Old paperwork can carry a name that no longer appears anywhere on the website. The FCA register lists these as previous names of the firm: Drive Roadside Assistance, Debenhams Travel Insurance, Cheap.co.uk, CarCoverPlus.co.uk, Cancellationcover.com, Virgin Travel Insurance, MAPFRE Click & Buy, Listers Insure, Johnsons Protect and Gatwick Airport Travel Insurance¹.

If you find one of those names on a policy, the practical position is that the policy was arranged by the same firm now trading as Insure & GO. What you can claim depends on the terms of the policy you actually bought and the insurer that underwrote it, not on the brand name printed at the top. If you no longer have the documents, the insurer named on the FCA register entry for the firm at the time is the place to start, and the firm's own records should be able to confirm what was sold.

Company names and trading names change for all sorts of reasons, and a change of name does not by itself affect a policy's terms. What it can affect is where you send a claim or a complaint, so it is worth checking the current contact route rather than using an address from an old letter.

Buying a policy from Insure & GO online

Insure & GO sells online, and its website is listed on the FCA register as insureandgo.com¹. Buying travel insurance online follows the same pattern as other general insurance: you answer questions about the trip, the travellers and their medical history, get a quote, and receive a policy schedule and key facts document setting out what is and is not covered.

The answers you give at that point are the basis of the contract. Insurers can and do check answers against medical records, and life insurers checking answers with a GP is standard practice in protection insurance¹². For travel cover, the equivalent check is against the medical information you declared, which is why the declaration stage is the one to take slowly.

Two habits reduce the chance of a problem later. The first is to read the cancellation section before buying rather than after something goes wrong, because the qualifying events are listed there and a policy that does not cover your circumstances is not worth having. The second is to tell the insurer about changes after purchase. New conditions, changed medication, moved dates, different accommodation and added travellers all need reporting, and a claim can be rejected if they are not⁸.

If you are comparing travel policies, the Insurance guide sets out how the different types of cover fit together, and the how-to section covers the practical steps for common money tasks.

Is Insure & GO regulated?

Yes. Insure & GO is authorised by the Financial Conduct Authority under firm reference number 309572, with a status effective date of 14 January 2005¹. Insurance brokers and intermediaries of this kind are regulated by the FCA¹³, and the regulation covers how insurance is sold to consumers, both directly and through intermediaries, as well as claims handling, enforcement and dispute resolution¹⁴.

The FCA register entry is the authoritative record. It shows the firm's status, its reference number, its website and the trading names attached to it, which is how you can confirm that a brand you have never heard of is in fact the same firm¹. The register also shows the firm's previous names, which is how an old policy under a defunct brand can be traced back.

Regulation of the consumer insurance market is under active scrutiny. The Financial Services Regulation Committee launched an inquiry into consumer insurance regulation, focused on how the consumer market for home and travel insurance is regulated¹⁴. That is a sign of where regulatory attention sits, not a change to the rules you are dealing with today.

For a wider picture of who makes the rules and how they affect you, the regulation and policy guide covers the framework.

Checking you are dealing with the real Insure & GO

Insurance is a common target for fraud, and the check that protects you is the same one that applies across financial services: look the firm up yourself rather than trusting the contact details you were given. Searching the FCA register using a firm reference number gives the most accurate results¹⁵, and the register entry for Insure & GO shows reference number 309572, the website insureandgo.com and the trading names attached to the firm¹.

The general rule for any approach that asks for money is to verify the organisation independently. MoneyHelper's guidance on scams is to check you are using a legitimate provider by searching the FCA Firm Checker and using the contact details listed there, not the ones given to you¹⁶. For a company rather than a firm, the equivalent check is Companies House, again using the contact details listed there rather than those in the message¹⁶. Insure & GO appears on Companies House under company number 04056769 with a status of active².

Two specific scams are worth knowing about because they imitate legitimate businesses. Invoice and mandate fraud involves a message that changes the bank details you are told to pay, and the defence is to confirm the service provider's bank details directly with the company before making a payment¹⁷. Ticket scams work on the same principle of a fake seller, and the defence is to stick to official sellers and official resellers¹⁸. The scams and fraud guide covers the wider picture.

Complaints: from Insure & GO to the Financial Ombudsman

If something goes wrong with a policy or a claim, the first step is the firm. The Financial Ombudsman Service's guidance is to talk to your insurance provider first, because they need to have the chance to put things right¹⁹. Which? advises appealing to your insurer first, explaining clearly what went wrong from your perspective and how you would like it resolved, and making a formal complaint headed "Complaint" that includes dates and the names of people you spoke to²⁰.

If the firm does not resolve it, the Financial Ombudsman Service can look at complaints about an insurance company or a claim²¹. It receives complaints from consumers about a range of insurance products²¹, and it handles travel insurance disputes including cases where a policy was mis-sold. Where a customer would have bought a different policy that would have covered their claim, the ombudsman's approach is to ask the insurer to pay the claim²².

The volume of complaints gives a sense of scale. In the first quarter of 2026/27 the ombudsman opened 4,100 complaints about car and motorcycle insurance, up from 2,800 in the same period in 2025, and travel insurance complaints stood at 1,200 in the previous quarter¹³. Older figures show 29,276 insurance complaints from within the UK and 1,264 from outside it between 9 July 2021 and 8 July 2022, a total of 30,540, with 58,361 insurance complaints including PPI resolved in 2021/22²³.

Using a broker does not remove that route. Brokers offer a free and easy-to-use complaints service via the Financial Ombudsman Service²⁵. The consumer protection guide explains how the ombudsman and other protections fit together.

How your cover is protected if an insurer fails

Travel insurance is general insurance, and general insurance claims are covered by the Financial Services Compensation Scheme when an insurer authorised to sell in the UK goes bust. For travel insurance claims the scheme covers 90% of outstanding claims³. The scheme's approach to a failed insurance company is to try to get seamless cover with another insurer, and if that is not possible to look at arranging the return of the remaining premium²⁶.

The 90% figure is specific to this kind of cover. Compulsory general insurance, such as motor cover, is protected at 100%, and other general insurance bought through a failed broker or financial adviser is protected at 90%¹⁵. Income protection insurance, term life insurance and critical illness claims are paid at 100% if the firm failed on or after 3 July 2015, and 90% if it failed before that date¹⁵. Credit insurance is not eligible for FSCS protection at all¹⁵.

There is a limit worth knowing about on the disclosure side. Policyholders are not protected by the Consumer Insurance (Disclosure and Representations) Act 2012 for mid-term information disclosures, so an insurer may reject a claim even where the policyholder took reasonable care²⁷. That is the rule behind the advice to report changes during the policy term.

Where a policy is sold with a policy summary, the summary must state that if the insurance undertaking cannot meet its liabilities the consumer may be entitled to compensation from the compensation scheme, or that there is no compensation scheme²⁸. That statement is the quickest way to see what protection attaches to a particular policy.