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Karma Insurance Services is an authorised representative of Lloyd Wright Consultants Ltd, who are Authorised and Regulated by the UK Financial Services Authority for the transaction of insurance in the UK and cross border transactions within the European Union. Registration Number 313334.
Represented at
Lloyd's of London
Our Travel Product   
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Question / Answer
Q: What happens if your holiday or travel arrangements go wrong?
A:There are more complaints against Holiday and Tour Operators than anybody else each year
Q: What happens if your Airline or other Transport Provider, Hotel or Accommodation Provider and Hire Car Company ceases to trade before your travel, or when you are there?
A:At Karma we have thought about all these things:
You probably do not realise
More people are booking independent holidays via the internet or
Making individual arrangements via Travel Agents and Tour Operators
These arrangements are not insured under the package tour directive so ABTA
compensation may not apply
The European Air Travel Directive applies to all airlines including low-cost, but they often
ignore it if you try to claim, unless you take them to court
Karma are pleased to offer our unique product which includes as standard:
Complete Travellers Protection
Failure of Airline or Transport Provider, failure of your Hotel or Accommodation Provider
and hire car arrangements FREE of charge
Optional
Travellers Legal Expenses Insurance at giving you £25,000 cover and the services of one of the UK’s leading law firms at a cost of only £5 per policy for single trip or 0.85p per month on multi-trip policies to enable you to sue the airline and/or tour operator or agent who spoilt your dream holiday or your trip.


Your Choices
Holiday / TravelSingle trip and Multi-Trip – up to age 69
Long StayGap Year, Year Study Abroad, Backpackers
BusinessSingle trip and Multi-Trip – up to age 69
Senior Citizens 70+We offer single trip cover at fair prices without upper age limit.
Medical ConditionsCover you need at a fair price and we will insure many stabilised medical condition without charge and easy online underwriting for other conditions.
Group TravelUp to 20 people – Stag nights, Hen parties, Weddings, Anniversaries, and Conferences, Sports Teams, any Groups at
all with legal protection.
Travellers Legal ExpensesUp to Legal Expenses Cover £25,000 cover if your holiday goes wrong.
Travel Agent / Tour OperatorWhy you should buy your Travel Insurance from us.
Your Options – All or most of the following options are available or included on all our policies.
Travellers Legal ExpensesDelete Cancellation & Curtailment
Extreme or Hazardous SportsOnline Medical Underwriting for most other medical conditions
GolfFree access to GEOS Worldwide travel advice with upgrade options
Delete Policy ExcessDiscounts for 2 people travelling together
Delete Baggage & Money CoverGroup Travel
Many Medical Conditions IncludedStandard cover up to age 69 – Senior Citizens 70+ cover
Complete Travellers ProtectionWinter Sports
BusinessDouble Policy Excess
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The average family throws out six trees in packaging and waste paper every year – please respect our environment and be green by example, only print this information and attachments if you have to. Thank you.
Every £100.00 you spend with Karma helps the World Land Trust to conserve our environment.