Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance that gives you more.


For hazardous activities while overseas.

Longstay & Backpacker

For all types of extended trips.

Top Up My Cancellation Cover

Up to £50,000 additional cancellation cover.

High Value Cancellation Cover

Cover for ultra high net worth travel.

Coach Plus

Especially for Coach Trips in the Uk & Europe.

Euro Plus

European motor breakdown cover.


Designed for UK-based holidays.

Mission, Vision & Values

Giving travellers the freedom to travel, with confidence.

Our History

Over thirty years providing specialist travel insurance solutions.


Happy customers are are the heart of everything we do.


Our work has been recognised in some prestigious awards.

Our Team

The people who make P J Hayman what it is.


All P J Hayman Key Contacts and how to get in touch.

Free Spirit’s 5 Star Rating

Free Spirit’s 5 Star Rating

Free Spirit Super Duper has again achieved a 5-star rating from defaqto, making it the 7th year in a row we have had the rating. Who is defaqto? You may be familiar with defaqto and defaqto Star...

travel trends blog image

Top Travel Trends for 2024

This is the time of year when many speculate what may shape the travel industry in the coming year. We tend to read, listen to, and discuss a wide range of industry figures, so we've put together...

Travel, with Confidence


All About PJH

Since 1990, PJH has built a reputation as a well-respected Travel Insurance provider and schemes intermediary.

Over this time, they have pioneered many products such as Free Spirit, Travel Plus and Top Up My Cover, making them the go-to specialist travel insurance provider.

Click the link below to find out all about PJH values, heritage and the people who make the company tick.


See what previous customers have had to say about their experiences with PJH.


This year is the first in several that we contacted a competitor. They were competitive but not what we were looking for. And they never phoned back as promised. We didn’t mind but that’s not how to win new business…

We have been clients of Free Spirit Travel for a few years now and have always found the right kind of cover for our extensive travel. One of us has a medical condition that other insurance companies and underwriters just will not entertain. Free Spirit has always been there for us, which means that we can enjoy travel and not worry about what could go wrong! We just don’t bother even trying to contact anyone else as it would be wasting our time, and theirs!

Thanks to everyone involved for providing us with what we need. We’re off to Devon for a week shortly, really need the break!

Dee and Graham

I’m paying for peace of mind because I know it’s an easy process… I also had to make a claim in 2015 because my father died, and we needed to cancel the trip. However, it was an easy and helpful process.

That’s why I’d recommend Free Spirit to a good friend because getting a quote and applying for a claim is easy to do. All the people are very helpful and friendly and the questions are asked in a professional manner… I appreciate the medical questionnaire and know what to expect now – familiarity.

I know Free Spirit and P J Hayman is an excellent service and have not looked anywhere else.


I spoke to a human! Hooray! I rang and actually spoke, quickly, to a real human! Amazingly helpful and went through the whole policy with me to conclusion. Thank you.


Needed clarification of an item on the policy that I had just purchased online. The call was answered promptly and the question answered in detail. It is a pleasure to have such good service and not have endless delays.

Ray Harvey

Neil was so kind and sympathetic to my newly diagnosed medical condition he had patience. I didn’t feel rushed. We have another trip planned this year and will definitely be booking the whole family on that policy. Amazing company.

Deborah Yates

Excellent Travel Cover. We have chosen Free Spirit several times as it suits our situation. The annual travel insurance for a couple does not require us to live at the same address and allows us to travel independent of each other.


Mrs Stella Barnes

They were very helpful to me and my wife in understanding pre-existing medical issues. And were very competitive on price.

Evelyn Jones

Consistent insurance – I have used Free Spirit Insurance for four years, which speaks for itself. The internet site is easy to use and any queries are dealt with efficiently.

Jim Hewitt

The person who helped me to arrange travel insurance was very patient and kind too. I am hopeless with modern technology. His name is Neil and I would have given him a hug if we were in the same room.

Mrs Dorothy Davis

Every time I have phones I have been dealt with promptly and with empathy. Would definitely recommend!

C Mac