Underwritten by:

Userbility / Efficient use of time

• Ouch provide four policies - these are segmented according to age and location.
• Can be unforgiving if you've made a mistake with your personal details on the previous page. This often means you have to go back a step and start again
• If you miss something out, a box pops up. If the box says 'incomplete specified items' - it doesn't tell you what is missing and no text is highlighted for you to go back to. You have to figure this out for yourself
• Once a specific policy has been selected, you then have to go in separately to 'travel plans' and work out which is the correct type of cover
• Excess wasn't shown on 'schedule of benefits' page - you have to navigate the site to find this
• Product disclosure statements and policy wording available

Flexibility

• Unable to repurchase ski travel insurance online if still on holiday and wish to extend
• 24 hour emergency helpline for those insured with Ouch
• Insurance must be booked and issued prior to travel
• Can increase rental car insurance excess at a range of additional costs
• A separate policy is to be used for travellers over the age of 70.

Value for money

• Does not include any pre existing medical conditions
• Reduction in unnecessary overheads normally associated with travel insurance
• A large reduction in unnecessary overheads normally associated with travel insurance commission (up to 50% reduction in costs)

Financial stability

• Underwritten by QBE Travel Assistance

Security of site

• Single socket layer encryption with a thawed digital certificate - this ensures the account details of your credit card are scrambled once your insurance has been purchased and that the site is extra secure