Free Spirit

For travellers of any age with medical conditions.

Travel Plus

Travel Insurance, simplified.

Adventures

For hazardous activities while overseas.

Longstay & Gap Year

Insurance For Life's Great Adventures

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.

Travel Insurance Solutions

Travel insurance for bespoke high risks.

Cruise Travel Insurance

Find out more about our cruise specific benefits available with Free Spirit and Travel Plus.

Solo Travel Insurance

Travel Insurance to cover for those people who are travelling solo.

Medical Travel Insurance

We can cover most pre-existing medical conditions and disabilities.

High Risk Travel Insurance

P J Hayman’s range of travel insurance solutions to cover high risks.

Activity Cover

Several of our policies cover a range of activities as standard, find out more here.

UK Travel Insurance

We have policies that can provide travel insurance for UK only trips.

Mission, Vision & Values

Giving travellers the freedom to travel, with confidence.

Our History

Over thirty years providing specialist travel insurance solutions.

Reviews

Happy customers are at the heart of everything we do.

Awards

Our work has been recognised in some prestigious awards.

Our Team

The people who make P J Hayman what it is.

Our Services

P J Hayman's range of in-house services.

Broking

Work with us and learn more about travel insurance.

Open an Account

Find out how to open an account with us.

Broker Support

Useful information such as visual aids & guides.

Work With Us

View P J Hayman’s range of in-house services.

Broker Login

Click here to login to your broker account.

Contact

Find out contact details here.

The Price of Travel Insurance

The Price of Travel Insurance

The Price of Travel Insurance If you’ve recently questioned the price of travel insurance, our knowledgeable team has some insights to share. Travel insurance may look expensive; however, there are reasons for the price you may be asked to pay. Especially when looking...

P J Hayman’s Summer Competition

P J Hayman’s Summer Competition

P J Hayman’s Broker Summer Competition New for summer 2026 is our broker summer competition! In the lead up to the summer holidays, we’re keen to hear your feedback about our recently refreshed Travel Plus policy. Take our survey, and you'll automatically be entered...

A Digital Detox Designed For You

A Digital Detox Designed For You

A Digital Detox Designed For You A digital detox may help you escape the digital world. However, did you know that there are retreats available, where all the decision-making is taken care of for you? Not only will you feel relaxed during a digital detox, you can feel...

P J Hayman and The Retirement Planning Guide

Discover P J Hayman’s Top Products

P J Hayman is a travel insurance specialist who aims to give people the confidence to travel without worry. P J Hayman is happy to share its innovative product range with readers of The Retirement Guide who seek suitable insurance for their holidays. If you have any questions or would prefer to get a quote over the phone, please call our dedicated sales team on 02392 419878. Use code APR2026 for your exclusive 10% off the entire premium…

high value luxury

Top Up My Cover Cancellation

Cancellation cover to ‘top-up’ existing policies

Top Up My Cover (TUMC) is a unique flexible policy that provides cancellation insurance for luxury trips for that “trip of a lifetime”.  Top up available for ANY existing travel insurance policy.

key features
  • Cover of up to £50,000 per person, £100,000 per policy
  • Simple cover process
  • Cover for all destinations and any duration
  • No medical screening
  • Available to travellers up to 85 years old
  • Tops up ANY existing travel insurance policy
retirement planning with free spirit

Free Spirit

For travellers of any age with medical conditions.

Are you looking for travel insurance to cover a medical condition, disability, or rare illness? Free Spirit Travel Insurance was the first of its kind to provide cover for all ages and medical conditions.

key features
  • Medical conditions and disability cover
  • Terminal conditions considered
  • Cruise cover option
  • Cover for travellers of any age
  • Single trip cover up to 115 days
  • Single and annual policies available