Banner Financial Services

We are a specialist insurance broker for individuals and organisations operating within the

aid, education, medical, missionary, non-governmental and charity sectors,

whether in the UK or overseas.

for Individualsfor Organisations

Charity Travel Insurance Specialists

Charity Workers
Aid Workers
Missionaries
Not for Profit Aid

There is no one product to suit all, each traveller and their trip is unique.

Our range of insurance products for Individuals is specifically designed to provide protection for individuals and their families, particularly whilst deployed overseas.

Our range of insurance products for Organisations such as charities, NGOs and mission agencies can be tailored to provide bespoke arrangements no matter the size of the organisation.

With over 20 years experience arranging insurance protection, our aim is to put you first and deliver a competitively priced first class service. If you have any questions about an insurance policy please get in touch. We are here to help you get the right insurance policy for you.

Buy Insurance Online

Use our instant online quote and buy system to arrange your travel insurance.

Insurance for Individuals

Our range of insurance products for Individuals is specifically designed to provide protection for individuals and their families, particularly whilst deployed overseas.

Insurance for Organisations

Our range of insurance products for Organisations such as charities, NGOs and mission agencies can be tailored to provide bespoke arrangements no matter the size of the organisation.

Buy Insurance Online

Cover Details

To be eligible for this insurance please confirm you and anyone to be insured:


1) Are travelling to undertake missionary or charity work etc overseas or working on behalf of a non-governmental organisation

2) Don’t live in the USA, the European Union or EEA countries, Cuba, Iran, North Korea or Venezuela

3) Aren’t a USA national

4) Do hold a valid United Kingdom passport and/or have a valid residential address in the United Kingdom


1) Are travelling to undertake missionary or charity work etc overseas or working on behalf of a non-governmental organisation

2) Don’t live in the USA, the European Union or EEA countries, Cuba, Iran, North Korea or Venezuela

3) Aren’t a USA national

4) Do hold a valid United Kingdom passport and/or have a valid residential address in the United Kingdom


☎️ Please contact us. 

Unfortunately we are unable to provide an online quote – however please contact us on 0345 450 8549 where we may be able to help you with alternative quote.


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About Your Single Trip

Please select an option below.
Europe
Select to see list of countries covered.
Worldwide
(excluding USA & Canada)
USA & Canada


✔️ Countries covered: 

Albania, Andorra, Austria, Azores, Balearic Islands, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Campoine D’Italia, Canary Islands, Ceuta, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Faroe Islands, Finland, France, French Guiana, Germany, Gibraltar, Greece, Greenland, Guadeloupe, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Kosovo, Latvia, Liechtenstein, Lithuania, Livigno, Luxembourg, Macedonia, Madeira, Malta, Martinique, Mayotte, Melilla, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Reunion, Romania, Russia, Saint Barthelemy, Saint Martin (France), San Marino, Serbia, Slovakia, Slovenia, Spain, Svalbard, Sweden, Vatican City.


✔️ Worldwide (excluding USA & Canada)


✔️ USA & Canada

Trip Duration:


If you have already departed abroad, please do not proceed any further with a quote and instead call us on 0345 450 8549.


☎️ Please contact us. 

Unfortunately we are unable to provide a quote for that duration online – however please contact us on 0345 450 8549 where we may be able to help you with alternative quote.


❌ Excluded Countries – there is no cover for travel to the following countries:

Afghanistan, Chechnya, Central Africa Republic, Cuba, Democratic Republic of Congo, Egypt, Iran, Iraq, Israel/Palestine (West Bank, Gaza Strip & Occupied Territories), Libya, Nigeria, North Korea Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela and Yemen.

🔔 If you require insurance for travelling to any the countries mentioned above, then please contact us directly and we will provide you with a quote. Call us on 0345 450 8549.


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About Your Annual Trip

Please select an option below.
Europe
Select to see list of countries covered.
Worldwide


✔️ Countries covered: 

Albania, Andorra, Austria, Azores, Balearic Islands, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Campoine D’Italia, Canary Islands, Ceuta, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Faroe Islands, Finland, France, French Guiana, Germany, Gibraltar, Greece, Greenland, Guadeloupe, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Kosovo, Latvia, Liechtenstein, Lithuania, Livigno, Luxembourg, Macedonia, Madeira, Malta, Martinique, Mayotte, Melilla, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Reunion, Romania, Russia, Saint Barthelemy, Saint Martin (France), San Marino, Serbia, Slovakia, Slovenia, Spain, Svalbard, Sweden, Vatican City.


✔️ Worldwide Cover

Trip Duration:


If you have already departed abroad, please do not proceed any further with a quote and instead call us on 0345 450 8549.


❌ Excluded Countries – there is no cover for travel to the following countries:

Afghanistan, Chechnya, Central Africa Republic, Cuba, Democratic Republic of Congo, Egypt, Iran, Iraq, Israel/Palestine (West Bank, Gaza Strip & Occupied Territories), Libya, Nigeria, North Korea Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela and Yemen.

🔔 If you require insurance for travelling to any the countries mentioned above, then please contact us directly and we will provide you with a quote. Call us on 0345 450 8549.


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Insurance Required

Single
Trip

Cover between the dates selected to a maximum of 180 days.

Annual Multi
Trip

Cover for a maximum of 120 days cover per annum, maximum 45 days per trip.


Need more than 45 days per trip? Contact us directly for a quote.
Annual
Trip

Cover for 365 days with no limit on the number of days per trip.


🔔 If you need an alternative type of travel insurance, then please contact us directly on 0345 450 8549 for a quote.

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About Your Annual Multi Trip

Please select an option below.
Europe
Select to see list of countries covered.
Worldwide


✔️ Countries covered: 

Albania, Andorra, Austria, Azores, Balearic Islands, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Campoine D’Italia, Canary Islands, Ceuta, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Faroe Islands, Finland, France, French Guiana, Germany, Gibraltar, Greece, Greenland, Guadeloupe, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Kosovo, Latvia, Liechtenstein, Lithuania, Livigno, Luxembourg, Macedonia, Madeira, Malta, Martinique, Mayotte, Melilla, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Reunion, Romania, Russia, Saint Barthelemy, Saint Martin (France), San Marino, Serbia, Slovakia, Slovenia, Spain, Svalbard, Sweden, Vatican City.


✔️ Worldwide Cover

Trip Duration:


If you have already departed abroad, please do not proceed any further with a quote and instead call us on 0345 450 8549.


❌ Excluded Countries – there is no cover for travel to the following countries:

Afghanistan, Chechnya, Central Africa Republic, Cuba, Democratic Republic of Congo, Egypt, Iran, Iraq, Israel/Palestine (West Bank, Gaza Strip & Occupied Territories), Libya, Nigeria, North Korea Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela and Yemen.

🔔 If you require insurance for travelling to any the countries mentioned above, then please contact us directly and we will provide you with a quote. Call us on 0345 450 8549.


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Medical Details

You must take reasonable care to provide complete and accurate answers to the questions we ask.

Question 1

Are you or anyone travelling with you to be insured on this policy:

Suffering from any health condition or taking any ongoing medication? 

Receiving or on a waiting list for medical tests or treatment?

Made a medical claim in the last 12 months?


Are you or anyone travelling with you to be insured:

Suffering from any health condition or taking any ongoing medication? 

Receiving or on a waiting list for medical tests or treatment?

Made a medical claim in the last 12 months?

Question 2

Have you or any person travelling with you to be insured on this policy:

Ever been diagnosed with diabetes, a stroke, a heart or breathing condition?

Ever been diagnosed as having a tumour, cancer or been given a terminal prognosis?

Ever been diagnosed with a blood disorder or organ failure?

Ever suffered a psychological or psychiatric condition, stress, anxiety, depression or dementia?

Ever been diagnosed high cholesterol?

Ever been diagnosed with hypertension or hypotension?

Ever been refused life, health or travel insurance cover or had special terms imposed?

Consulted a doctor or attended a hospital or clinic during the last twelve months prior to applying for this insurance? *

Have you had a medical consultation or examination (e.g. with a travel or occupational clinic) in relation to your proposed travel?

Are you aware of any other person or relevant information that could affect a claim arising?

*There is no need to disclose routine visits for general inoculations e.g. Flu or Covid 19


Have you or any person travelling with you to be insured on this policy:

Ever been diagnosed with diabetes, a stroke, a heart or breathing condition?

Ever been diagnosed as having a tumour, cancer or been given a terminal prognosis?

Ever been diagnosed with a blood disorder or organ failure?

Ever suffered a psychological or psychiatric condition, stress, anxiety, depression or dementia?

Ever been diagnosed high cholesterol?

Ever been diagnosed with hypertension or hypotension?

Ever been refused life, health or travel insurance cover or had special terms imposed?

Consulted a doctor or attended a hospital or clinic during the last twelve months prior to applying for this insurance?*

Have you had a medical consultation or examination (e.g. with a travel or occupational clinic) in relation to your proposed travel?

Are you aware of any other person or relevant information that could affect a claim arising?

There is no need to disclose routine visits for general inoculations e.g. Flu or Covid 19


☎️ Please contact us. 

Unfortunately we are unable to provide an online quote – however please contact us on 0345 450 8549 where we may be able to help you with alternative quote.


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Declaration

I/We confirm that:

All persons to be insured are in good health and not travelling against medical advice or for the purpose of obtaining medical treatment abroad.

All persons to be insured will be aged under 74 years and 11 months at the inception of this insurance.

I/We declare that the information disclosed on this statement , is to the best of my/our knowledge and belief both accurate and complete. I/We have taken care not to make any misrepresentation on the disclosure of information and understand that all information provided is relevant to the acceptance and assessment of this insurance, the terms on which it is accepted and the premium charged.

None of my/our immediate family or close business colleagues (under 75yrs) are seriously or critically ill at the time of application. Please note, cancellation and curtailment claims arising from the serious illness , injury or death of am immediate relative or close business colleague aged 75 years or over, will not be covered under this insurance.

I/We understand that:

Cover will not commence until the full premium has been received. 

Pre-existing medical conditions may not be covered by this insurance but please contact Banner Financial Services on 0345 450 8549 who may be able to provide you with details of alternative insurance specialists than may be able to provide cover. The Insurers will determine their terms and conditions upon the information provided in connection with this application, and I/We further understand that the provision of this information does not itself bind me/us to complete or the insurers to accept this insurance. If I have given an e-mail address I agree to its use for discussion of medical details. I recognise that e-mail is not a secure failsafe means of communication. 

If I am providing details of medical conditions of other covered persons, I am confirming I have their consent to do so.

Please tick to confirm you (or the customer if you are completing on their behalf) understand and accept the terms and conditions.

I/We confirm that:

All persons to be insured are in good health and not travelling against medical advice or for the purpose of obtaining medical treatment abroad.

All persons to be insured will be aged under 75 years at the inception of this Insurance.

I/We declare that the information disclosed on this statement , is to the best of my/our knowledge and belief both accurate and complete. I/We have taken care not to make any misrepresentation on the disclosure of information and understand that all information provided is relevant to the acceptance and assessment of this insurance, the terms on which it is accepted and the premium charged.

None of my/our immediate family or close business colleagues (under 75yrs) are seriously or critically ill at the time of application. Please note, cancellation and curtailment claims arising from the serious illness , injury or death of am immediate relative or close business colleague aged 75 years or over, will not be covered under this insurance.

I/We understand that:

Cover will not commence until the full premium has been received. 

Pre-existing medical conditions may not be covered by this insurance but please contact Banner Financial Services on 0345 450 8549 who may be able to provide you with details of alternative insurance specialists than may be able to provide cover. The Insurers will determine their terms and conditions upon the information provided in connection with this application, and I/We further understand that the provision of this information does not itself bind me/us to complete or the insurers to accept this insurance. If I have given an e-mail address I agree to its use for discussion of medical details. I recognise that e-mail is not a secure failsafe means of communication. 

If I am providing details of medical conditions of other covered persons, I am confirming I have their consent to do so.

Please tick to confirm you (or the customer if you are completing on their behalf) understand and accept the terms and conditions.

Confirmation


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Applicant Details

Click on [Month Year] to change Month and Year


☎️ Please contact us. 

Unfortunately we are unable to provide an online quote – however please contact us on 0345 450 8549 where we may be able to help you with alternative quote.







IMPORTANT: PLEASE ENSURE YOU ARE FULLY AWARE OF THE COVER AND LIMITATIONS OF THIS INSURANCE (IN PARTICULAR COVER RELATING TO MEDICAL COSTS, PERSONAL PROPERTY AND CANCELLATION AND CURTAILMENT) BEFORE BUYING AND OUR TERMS OF BUSINESS. DETAILS OF WHICH ARE ON THIS PAGE.


Confirmation


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Final Cost

The final price is :


Endorsement for attachment to Your Schedule of Insurance Underwritten by Antares Syndicate 1274 Contract Number: B1121C220593


Covid 19 Endorsement

COVID-19 COVER EXTENSION UNDER SECTION 3, CANCELLATION, CURTAILMENT (INCLUDING REPLACEMENT AND REARRANGEMENT) AND CHANGE OF ITINERARY

Subject to the payment of the additional premium We agree to remove special exception 15 from Section 3. Cover is therefore granted on the following basis;

If a PCR test confirms that the Insured Person has a Positive Test for COVID-19 within 7 days of the commencement of an Insured Journey, We will pay up to the limit shown in the Schedule for each Insured Person any irrecoverable payments paid or contracted to be paid for travel, accommodation and unused pre-booked excursions should the trip be cancelled.

This cover only applies where it is an Insured Person who has received a Positive Test for Covid-19

For the purpose of this cover, a “Positive Test” means a polymerase chain reaction (PCR) test returning a positive result with subsequent laboratory confirmation of the positive result (the laboratory confirmation may be after the 7 day period referred to in this cover)

The General Exclusions, Conditions as well as the special exceptions (other than No 15) listed under Section 3, Cancellation and Curtailment, continue to apply.

ADDITIONAL EXCLUSIONS APPLICABLE TO THE COVID-19 EXTENSION

We will not be liable for:

1. Any claims for Curtailment ; or

2. Where the Insured Person experienced any symptoms consistent with Covid-19 or received any diagnosis or test result (including but not limited to a Positive Test) indicating that they had contracted Covid-19 prior to the Policy being taken out and the same case of Covid-19 persisted into the time commencing from 7 days of the Insured Person’s scheduled commencement of an Insured Journey; or

3. for any costs, expenses or any other amount incurred in respect of self-isolation or quarantine whether legally mandated or otherwise; or

4. for costs, expenses or any other amount incurred if the Insured Journey is cancelled or Curtailed as a result of any governmental orders and/or restrictions and/or rules related to Covid-19 which are applied collectively to a group of persons and/or businesses (e.g. 'lockdowns'); or

5. for costs if the Insured Person has refused or not taken up an offer of vaccination for Covid-19 (this means both doses if available to the Insured Person and the vaccine requires two doses) for any reason other than genuine medical grounds (The Insured Person must prove to Us the genuine medical grounds) or

6. any amounts recovered or recoverable by the Insured, or Insured Person from any other source

(including but not limited to from Accommodation providers, Public Transport providers, travel

service providers, and any creditor under the Consumer Credit Act 1974 or similar legislation).

Such recoveries shall be deducted from the claim, or if We have already paid the claim such

amounts will be recoverable from the Insured by Us.

ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED

Signed on behalf of

Banner Financial Services


Date of Issue: 6 September 2022


Banner Financial Services is a trading name of Harrison Beaumont Insurance Services Ltd who is authorised and regulated by the Financial Conduct Authority. (FCA Registered Number 303968) Registered Office: Pond Hall, Pond Hall Road, Hadleigh, Suffolk IP7 5PP. Registered in England & Wales, registration number 04582221. BAN148 (0422)

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Have a Question?

If you need help with your travel insurance quote then please call us on

0345 450 8549

between 8.30am and 5.30pm Mon – Fri

or email us using this contact form

Need more help?

Contact our specialist insurance team on 0345 450 8549.

We will be able to answer your questions and provide a competitive insurance quote.