Spectrum Travel Insurance Reviews 

Lois (LSB) was so helpful from start to finish and the service was excellent. I had a bad experience with the garage but Lois helped me through the whole process and was a pleasure to work with. Thoroughly recommend

Absolutely disgusting company AVOID . Sadly holiday cancelled due to covid, said i had till march 2023 to re-book and reinstate policy. Just called now to do so and LIED TO ME saying my cut off was yesterday no insurance and no refund. APPEAR LIKE LIKE TO MAKE THINGS UP, luckily i found the old emails confirming 2023 so will be taking this further.

I took an insurance out to cover damage on my car , wheels and inside i claimed for the wheels 10 each wheel for them to do it as well as paying insurance , i had a small scratch on my door they said it wasn't covered so i complain then they asked for a full picture of my door so i sent that then they sent an email making 3 areas on my door where there wasn't even any damage so i asked for a refund i was told as id claimed i couldn't get a refund even tho id paid 499 in full for 3 years this was after 1 year , so i said this insurance has been miss sold in the end they decided to refund 290.08 just be careful they dont cover everything

Easy to set up only know how good if you make a claim!

Very pleased with the process of getting travel insurance from Spectrum Travel. The on-line process was easy to complete and the price and cover of the holiday insurance was excellent.

Good afternoon,

I am appalled with the level of service I have received today. I don’t expect a response to this review as the service I have already received is below par. My holiday was cancelled due to covid 19 which is at no fault of my own or Spectrum. However to ring up and change the policy you are requesting another £106 for a different year. Why as the consumer am I paying for this when the cancellation is not down to myself. When I asked if I could have a refund I was told I would get £80 from £200 due to no cancelling 14 days from when I took the policy out. The woman who I dealt with was not wanting to do the change herself as she was embarrassed with how Spectrum was charging consumers more. She was asking if I would do the change online as she didn’t want to go through the process. Can someone explain to me how Spectrum feel this is acceptable ?

Easy to arrange and a good price. Would be good if you could save medical information and then just confirm or amend each time as it can be a pain to have to re-enter the information each time

Dear All,

I have total gaps Insurace with this company, I paid one off payments to covet my car for three years.

Unfortunately I have accident and my car is declared total loss so I have no option to settle my claim through gaps policy when I phone totallossgaps company they referred to me spectrum insurance.

I give all my accident details next day they asked to send all documents which I did and today they said my gaps claim in invalid,

This is very frustrating to me because i need to clear my outstanding finance.

So I recondition is please don’t buy the policy from this company

Thanks

Like many others our holiday in July has been cancelled due to the worldwide pandemic and rearranged for July 2022. Sprectum will not transfer the policy to the new date and have taken over 50% of the cost. We are very unhappy and feel this is totally unfair. We will never use this company again and would not recommend them to our worst enemy. Would like to give no stars but not possible.

Had no problem with the company easy to set up for my needs.

We will will see if we need you or our holiday is cancelled
How can I give an opinion about buying something online that I haven't yet used

terrible company to deal with avoid at all costs refusedthe claim after my holiday was cancelled then would not refund the policy

I booked insurance with Spectrum last year as their policy cost was good value compared with others. I asked several questions before doing so and they replied to several questions patiently. When my trip was cancelled this year, they offered to transfer the policy to the new date but it would not have covered covid cover if I had not been able to travel. I did look at buying a new ploicy with them that included covid cover but as my trip included some travel by sea, it counted as a cruise and they were unable to cover this until the government lifts travel advice. I therefore decided to cancel. I did lose half of the premium and a £15 fee, but this was clearly stated in the terms and conditions I had been issued with when I bought the insurance. I contacted them several times with questions when I was trying to decide whether to transfer dates or cancel and they always replied promptly. When I did decide to cancel and ask for any refund due, the process was handled very quickly and efficiently. I did look at some other companies that were still offering insurance despite the 'cruise' restrictions not being lifted and found terms and conditions varied greatly. All were much more expensive that Spectrum and some offered no policy refund at all if the policy was no longer needed. So although it would have been nice to have a full refund from Spectrum, they fulfilled their terms and conditions as set out and were very helpful and efficient which I think was fair.

Insured myself and my autistic daughter all declared upfront as a long term
Condition , my claim has been refused because she has autism ( funny that 😆) avoid them they claim to cover pre existing conditions but jut the case

Currently trying to make a claim for our cancelled honeymoon, which got cancelled because of covid in June. With the flights increasing over £1100 to rebook, we were unable to book new flights meaning our honeymoon had to be fully cancelled. The flights have been fully refunded by the airline, however the hotels are not in a position to refund us, although they have offered to change the date, we are in no financial position to take them up on that offer, because we cannot reach the destination, due to flight costs. This means our honeymoon cannot go ahead because of covid and this was out of our control.

Spectrum travel however have straight out refused to cover the cost of these hotels on the basis that they offered us a credit note. Just because we have been offered a change of date, doesnt mean we are in a position to do so. Because of our position, all hotels have now been cancelled.

My partner is emailing with them now, another refusal to honour the insurance and I'll be opening a small claims court file against them. In this day and age, with companies screwing over everyone, it wont be the first time I have had to do this.

After covid, people will choose companies based on their treatment of customers through covid and hopefully this review will help others better choose a travel insurance company.

Follow up to response: you have now refused a complaint and issued your final response, this has now been risen to the financial ombudsman. Your "insurance" isn't worth the paper its written on. Do not buy from these scammers.

Came to Maldives with my disabled child for 2 weeks for hydrotherapy November 4th before lockdown. Our flight home was cancelled so stranded here until December 5th. They said our policy was void as we knew the uk would be in lockdown. Absolute crooks