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Santander UKRecorded a lower monthly payment than the renewal quote.
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£100/month
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FCA travel insurance work: what it means before your annual policy renews
A dated note on FCA rules for travel insurance signposting and the role of the annual renewal date in reviewing the policy on the household's own terms.
Published 1 January 2026
What changed
FCA rules require travel insurance firms to signpost customers with serious pre-existing medical conditions to a directory of specialist providers.
The wider FCA Consumer Duty applies to how firms treat retail customers at renewal, including how medical declarations and premiums are recalculated each year.
What it means before the renewal date
Annual multi-trip policies recalculate the premium and any medical declaration questions at the renewal date. The renewal notice is where any change to wording or excess shows up.
Single-trip cover does not auto-renew but the household still needs an independent reminder before the next trip, so the date sits on the household's calendar rather than the insurer's marketing schedule.
What to do now
Check the renewal date and the new premium on the renewal notice.
Check that the medical declaration is still accurate for everyone covered.
Check whether the policy is set to auto-renew.
Related pages
Travel insurance reminders
Track your travel insurance renewal date so the next change is on your calendar, not the provider's.
Travel insurance renewal report 2026
Evidence on how UK prices move at this renewal — what households are paying and why.
What to check before travel insurance renewal
A short guide to the dates, terms and decisions behind this renewal.
Sources
- FCA — Signposting firms providing travel insurance to consumers with medical conditions (PS20/3). FCA rules require travel insurance firms to signpost customers with serious pre-existing medical conditions to a directory of specialist providers.
- FCA — A new Consumer Duty (PS22/9). Firms must act to deliver good outcomes for retail customers across the product lifecycle, including renewal.
Recorded outcomes
Real outcomes from Onremind users.
These figures come from outcomes people have recorded in Onremind.