Flexicover Travel Insurance
Flexicover Travel Insurance is a UK direct-to-consumer travel insurance provider, operating as a trading name of FCA-regulated Travel Insurance Facilities Plc. It sells Single Trip, Annual Multi-Trip, Winter Sports, and Backpacker policies online and via phone to UK travelers, including seniors and those with pre-existing medical conditions, with all policies underwritten by Collinson Insurance.
- Company typePrivate
- Founded1996
- HeadquartersWest Malling, United Kingdom
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Flexicover Travel Insurance does
Flexicover Travel Insurance is a UK direct-to-consumer travel insurance provider operating as a trading name of Travel Insurance Facilities Plc, a privately held, FCA-regulated firm (FRN 306537) established in 1996 and headquartered in West Malling, Kent, with additional customer service operations in Mumbai, India. The company sells travel insurance to UK residents through its website (flexicover.co.uk) and a phone-based Customer Service Centre, with online prices carrying a 15% discount relative to phone sales. Its product portfolio comprises core Single Trip and Annual Multi-Trip policies, alongside Winter Sports, UK Staycation, and Backpacker/Longstay cover, offered across three coverage tiers (Silver, Gold, Diamond) and customizable with optional extensions including Cruise, Golf, Large Scale Events, COVID-19, and Excess Waiver.
The underlying technology is a digital insurance platform with an online quote engine, a self-service Customer Area portal for policy management, and integrated third-party services for claims, payments, and medical assistance. All policies are underwritten by Collinson Insurance (Astrenska Insurance Limited, FRN 202846) and administered by Travel Insurance Facilities Plc. Differentiated services include Air Doctor Connect (launched July 2024), giving policyholders access to over 20,000 doctors in 78 countries with cashless outpatient treatment and direct billing, and ChargeCare International, which handles direct payment for outpatient care in Spain, Greece, Cyprus, Portugal, and Turkey. Payments are processed through Stripe, and the company distributes via paid search, paid social, email, and affiliate partnerships.
Revenue is generated through one-time travel insurance premiums, with annual multi-trip policies functioning as a recurring subscription-like product. The customer base targets individual UK travelers segmented into broad personas including individual travelers, frequent travelers, travelers with pre-existing medical conditions, winter sports enthusiasts, cruise travelers, and a diverse mix of family, couple, senior, and business travelers. Key differentiators emphasized are the no upper age limit on Single Trip policies, coverage consideration for over 1,000 medical conditions, and inclusion of 100+ sports and activities as standard.
Flexicover Travel Insurance firmographics
Firmographics- Name
- Flexicover Travel Insurance
- Legal name
- Travel Insurance Facilities Plc
- Website
- https://flexicover.co.uk
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Flexicover Travel Insurance is a UK direct-to-consumer travel insurance provider, operating as a trading name of FCA-regulated Travel Insurance Facilities Plc. It sells Single Trip, Annual Multi-Trip, Winter Sports, and Backpacker policies online and via phone to UK travelers, including seniors and those with pre-existing medical conditions, with all policies underwritten by Collinson Insurance.
- Ownership category
- akta.pro rank
Flexicover Travel Insurance industry classification
Industry- Product category
- Travel Insurance
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Travel & Accident (Non-Life) Insurance (FSAJAMAN)
- akta.pro secondary industries
- Travel Medical Insurance (Individual) (FSAIAEAI), Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL)
Keywords
Where Flexicover Travel Insurance is headquartered
LocationHeadquarters
- HQ city
- West Malling
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Flexicover Travel Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Travel Insurance Premiums: Flexicover generates revenue through the sale of travel insurance policies. The company offers Single Trip, Annual Multi-Trip, Winter Sports, and specialized policies with various coverage levels (Silver, Gold, Diamond). Revenue is collected at point of purchase with policies sold on a direct-to-consumer basis via website and phone.
- Policy Extensions and Add-ons: Additional revenue is generated from optional extensions including Cruise Cover, Winter Sports, Golf Extension, COVID-19 Extension, Large Scale Events Extension, and Excess Waiver. These are added during the quote process for additional premiums.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Silver - Basic coverage tier |
| Subscription | Pay-as-you-go | Gold - Mid-range coverage tier |
| Subscription | Pay-as-you-go | Diamond - Premium coverage tier |
| One time/ perpetual license | Pay-as-you-go | Single Trip Policy |
| Subscription | Annual | Annual Multi-Trip Policy |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Flexicover Travel Insurance product offering
Product offeringCore offering
Flexicover Travel Insurance, operated by Travel Insurance Facilities Plc (part of tifgroup), underwrites and distributes retail travel insurance policies directly to UK residents through its website and Customer Service Centre. The product range spans single trip, annual multi-trip, winter sports, UK, and backpacker & longstay cover, with tiered coverage levels (Silver, Gold, Diamond) and optional extensions for cruise, golf, large-scale events, COVID-19, and excess waiver. Policies are administered by Travel Insurance Facilities Plc and underwritten by Collinson Insurance, with regulated status under FCA firm reference number 307544.
Product overview
Flexicover Travel Insurance is a travel insurance provider offering a portfolio of products structured around core policies (Single Trip, Annual Multi-Trip, UK Travel, Backpacker/Longstay) with tiered cover levels (Silver, Gold, Diamond) and multiple optional extensions. The main products work as follows: Single Trip and Annual Multi-Trip serve as the core insurance products, with Multi-Trip providing annual coverage for frequent travellers. Winter Sports and UK Travel are specialist variants addressing specific travel types. Cover is available in three tiers—Silver (entry-level), Gold (mid-tier), and Diamond (premium with £0 excess)—allowing customers to select appropriate protection levels. Optional extensions including Cruise, Golf, Large Scale Events, COVID-19, and Excess Waiver can be added to customize coverage. All policies include Air Doctor Connect as a standard benefit for accessing global medical care. The insurer is underwritten by Collinson Insurance and the company is a trading name of Travel Insurance Facilities Plc, regulated by the FCA.
Differentiator
Problem solved
Functional benefit
Products and services
- Single Trip Travel Insurance
Quantifiable outcome
- Over 2,000 customers rated service as 'Excellent' on Trustpilot
- +2 more outcomes
Companies that use Flexicover Travel Insurance
Customer profileSegments6 records
Ideal customer profiles3 records
Flexicover Travel Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature2 records
Flexicover Travel Insurance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Air DoctorcorePowers the Air Doctor Connect service included free with all Flexicover policies. Provides access to over 20,000 doctors in 78 countries with 24/7 multi-lingual support. Enables cashless outpatient treatment with waived excess and direct billing to insurer.
- Collinson InsurancecorePrimary insurer for Flexicover travel policies. Collinson Insurance is a trading name of Astrenska Insurance Limited, authorised by the Prudential Regulation Authority and regulated by the FCA (FRN 202846). They handle policy underwriting and claims processing for policies issued from 3rd February 2022 onwards.
- Holiday ExtrasminorEstablished partnership allowing Flexicover customers to purchase airport parking, hotels, lounges, car hire, transfers, and fast track services through Holiday Extras platform. Provides added convenience for travelers booking travel insurance.
- International Passenger Protection LimitedminorPartners with International Passenger Protection Limited, underwritten by Liberty Mutual Insurance Europe SE, to provide end supplier failure coverage for policies from 1st May 2019 until 19th December 2023.
- StripecorePayment processing partner for secure credit card transactions on the website. Enables online purchases without storing credit card information on Flexicover systems. Supports Visa, Mastercard, and AMEX payments.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Flexicover Travel Insurance competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Flexicover Travel Insurance social profiles
Digital presenceFlexicover Travel Insurance compliance and trust
Trust signalCompliance3 records
Flexicover Travel Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Flexicover Travel Insurance leadership team
Management profileNumber of profiles
Flexicover Travel Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Flexicover Travel Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Flexicover Travel Insurance
What does Flexicover Travel Insurance do?
Flexicover Travel Insurance, operated by Travel Insurance Facilities Plc (part of tifgroup), underwrites and distributes retail travel insurance policies directly to UK residents through its website and Customer Service Centre. The product range spans single trip, annual multi-trip, winter sports, UK, and backpacker & longstay cover, with tiered coverage levels (Silver, Gold, Diamond) and optional extensions for cruise, golf, large-scale events, COVID-19, and excess waiver. Policies are administered by Travel Insurance Facilities Plc and underwritten by Collinson Insurance, with regulated status under FCA firm reference number 307544.
Is Flexicover Travel Insurance a public or private company?
Flexicover Travel Insurance is a private company. It is classified as unknown and is currently operating.
When was Flexicover Travel Insurance founded?
Flexicover Travel Insurance was founded in 1996. It employs 51 to 100 people.
Where is Flexicover Travel Insurance based?
Flexicover Travel Insurance is headquartered in West Malling, United Kingdom, in the Europe region.
How does Flexicover Travel Insurance make money?
Two revenue lines are on record. Travel Insurance Premiums are the primary driver. The others are policy Extensions and Add-ons.
Does Flexicover Travel Insurance have an API?
No public API is recorded for Flexicover Travel Insurance.
What industry is Flexicover Travel Insurance in?
Flexicover Travel Insurance's product category is Travel Insurance. Its primary akta.pro industry code is FSAJAMAN, Travel & Accident (Non-Life) Insurance, with a secondary code of FSAIAEAI, Travel Medical Insurance (Individual). Its NAICS code is 524210 and its SIC code is 6411.