Thousands of inquiries to service helping older people access vital insurance

A motorist with more than 60 years of driving experience and a couple planning to celebrate their wedding anniversary abroad are among those getting help from a service established a decade ago to help older customers access vital insurance. 

The ‘signposting’ initiative was launched in April 2012 thanks to an agreement between the British Association of Insurance Brokers (Biba), the Association of British Insurers (ABI) and the Government.

Helps seniors who may have previously had trouble finding adequate coverage.

Under the age and insurance agreement, if an insurer or insurance broker cannot cover an older motorist or tourist because their age is above their maximum age limits, they can automatically refer the customer to an alternative provider who can meet Your needs, or to a dedicated signalling service such as Biba’s find insurance service on 0370 950 1790 or www.biba.org.uk/find-insurance.

One client helped by Biba’s Find Insurance service is Jayne Carson, 70, who will celebrate her wedding anniversary with her husband in California, where they were married 27 years ago. travelling

The trip was cancelled in 2020 due to COVID-19 and with the vacation rescheduled for this year, Ms Carson faced the new challenge of finding travel insurance.

She said: “It seems when you hit 70 you get dumped in terms of travel insurance.”

He added: “It’s all checked boxes and you can’t talk to anyone.”

Biba’s service put Ms Carson in contact with All Clear Travel Insurance, which provided insurance for the vacation.

She said: “I am so thankful someone was able to cover for us. We had decided we were going to go on a trip anyway because Covid has already hit and ruined our 25th wedding anniversary vacation, but luckily All Clear was able to help. We can’t wait to get back to the US, where we got married and have had many memorable trips.”

All Clear CEO Chris Rolland said: “We would never recommend travelling without insurance to anyone, even more so when it comes to travel to the United States where costs can be extremely high and where there are pre-existing medical conditions. When in doubt, always speak to a specialist broker with experience in this area.”

We would never recommend travelling without insurance to anyone.

Chris Rolland, all clear

In another case, an 86-year-old man was denied auto insurance by multiple organizations because of his age.

Biba’s Find Insurance service put him in touch with AJ Insurance, which provided coverage.

The customer said: “I’ve been driving for over 60 years, so it means a lot to me that I can continue to do so.”

Another client who previously had trouble finding cover is Elaine Davies, 58, who signed up for a charity tour of Cuba to raise money for the Velindre Cancer Center in Cardiff. Her medical history includes heart problems.

She said: “It’s a real pain as my conditions are not life-threatening and I want to continue living life to the fullest.”

She sought advice from the British Heart Foundation, which referred her to Biba’s insurance matching service and put her in touch with specialist broker Just Travel Cover.

Provided comprehensive travel insurance, including coverage for his medical conditions.

The agreement has been reviewed and renewed three times since its launch in 2012.

Graeme Trudgill, CEO of Biba, said: “We are incredibly proud to have helped so many people in need over the last 10 years.

“Finding the right insurance can be a huge challenge for many people and this signage deal has made a huge difference.

“Our contact centre team helps people daily and hear firsthand how signage helps.

“Access to travel and auto insurance allows seniors to live their lives to the fullest and we will continue our mission to help many more people access the insurance they need through specialized brokers.”

We are incredibly proud to have helped so many people in need over the last 10 years.

James Dalton, director of general insurance policies at ABI, said: “The agreement offers crucial help for many to obtain the auto and travel insurance they need.”

The signalling agreement has helped improve access to insurance for consumers with “non-standard” requirements. Other similar collaborations have followed, to help different types of customers find insurance.

Initiatives include work between Biba and the Ministry of Defense (MoD) in 2016 to encourage “signposting” to the appropriate intermediaries who specialize in coverage for military personnel.

In 2020, a protection insurance signalling agreement was launched to help people with disabilities and pre-existing medical conditions access income protection, critical illness and life insurance.

And in January 2021, the Financial Conduct Authority (FCA) confirmed that Biba’s travel medical insurance directory met its criteria for a “directory of medical coverage companies” as part of new rules to help point out travellers with specialized medical conditions to cover.

And in February of this year, Biba, ABI and Flood Re launched a flood insurance directory and signage solution to help households struggling to get flood insurance coverage.

John Glen, Economic Secretary to the Treasury, said: “I am delighted that 10 years after its launch in 2012, the signalling agreement between the Government, Biba and the Association of British Insurers has helped many older consumers access life insurance. travel and automobiles, with almost 900,000 queries in total.

“I look forward to the continued success of the scheme and to working with the industry to ensure that consumers can access the insurance they need.”