Insurance policies for individuals who are living, working, volunteering or teaching overseas

There is no one product to suit all, each traveller
and their trip is unique.

Banner provides market leading insurance policies specifically designed for individuals who are living, working, volunteering or teaching overseas. We offer competitive premiums to give protection and peace of mind for you and your family.

For whatever reasons you are travelling abroad you need adequate insurance in place before you go. Unfortunately unforeseen emergencies can happen so it is important to think carefully about your specific travel insurance needs.

"Without this cover we would have been in an enormously difficult position, the only alternative would have been for us to self-insure and bear the risks of accident cover and medical emergencies ourselves."

Martin Kelly

Travel and Emergency Medical


Traditional Travel and Emergency Medical Insurance is unlikely to meet your international needs and we recommend that you buy appropriate cover. All of our policies can provide the necessary medical benefits, emergency medical evacuation, repatriation coverage and 24-hour worldwide assistance.

We offer cover on a single trip, multi trip or annual basis should you incur a medical emergency, personal property loss or disruption costs.

  • Emergency Medical, Repatriation, Evacuation & Travel expenses cover up to £5,000,000
  • Personal Accident Included
  • Cancellation and curtailment cover
  • Personal Possessions and Business equipment cover
  • 24 hour access to multi-lingual Emergency assistance company

"Banner were able to provide comprehensive travel insurance covering our employees in our overseas regional offices, thereby giving us reassurance that all our staff are now covered by one policy instead of regional managers having to take out separate policies as and when needed. The Banner staff were really supportive throughout the process, always providing friendly helpful advice and responding quickly to any questions we had".

Tracy Spraggon, Contracts and Legal Compliance.

Life Insurance


Banner has been a provider of Life Insurance for over 20 years and we are able to offer a range of policies to suit UK and Foreign Nationals on both a short term and long term basis.

Life policies pay out a lump sum to help provide for your loved ones should anything happen to you in the term of the policy

  • Life cover for UK and Foreign Nationals
  • Flexible term – 1 day to 10 years
  • Individual, Joint and Group Life Cover
  • Other benefits are available including;
    Critical Illness cover, Terminal Illness Benefit and Children's Critical Illness Benefit *

*Only available to UK residents

Call us for a Life Insurance quote. Enquiry Form

Personal Accident


Provides financial cover in the event of an individual suffering death or injury from an accident while undertaking mission, aid or overseas work.

  • Cover available on an individual basis
  • War zone and terrorism cover available
  • Cover operative 24 hours a day
  • Cover available up to 74 years old
  • Worldwide cover for death or bodily injury up to £1m
  • Payment of medical expenses incurred in connection with death or injury
  • No medical screening required
Call us for a Life Insurance quote. Enquiry Form

Top Tips and Advice


The importance of Travel Insurance Read it here

Launched in 2001, 'Know Before You Go' is an ongoing travel safety campaign run by the Foreign & Commonwealth Office (FCO). It encourages British nationals to be better prepared for their overseas trips with a view to avoiding common travelling traumas, risks and dangers

  • Check the Foreign & Commonwealth Office (FCO) Travel Advice or call 0845 850 2829.
  • Get travel insurance and check that the cover is appropriate.
  • Check what vaccinations you need at least 6 weeks before you go and consider whether you need to take extra health precautions - Department of Health.
  • Get a good guidebook and get to know your destination.
  • Find out about local laws and customs.
  • Ensure you have a valid passport that is in good condition and the necessary visas.
  • Make copies of your passport (including any visa pages), insurance policy plus 24-hour emergency number, and ticket details. Leave these copies, your itinerary and contact details with family and friends.
  • Take enough money for your trip and some back-up funds e.g. travellers cheques, sterling or US dollars.

Precautions to take while travelling


Safety on the Street

Use the same common sense travelling overseas that you would at home. Be especially cautious in (or avoid) areas where you may be more easily victimised. These include crowded subways, train stations, elevators, tourist sites, market places, festivals and crime-ridden neighbourhoods.

Don't use short cuts, narrow alleys or poorly lit streets.

Try not to travel alone at night.

Avoid public demonstrations and other civil disturbances.

Keep a low profile and avoid loud conversations or arguments.

Do not discuss travel plans or other personal matters with strangers.

Avoid scam artists by being wary of strangers who approach you and offer to be your guide or sell you something at bargain prices.

Beware of pickpockets. They often have an accomplice who will:

  • jostle you,
  • ask you for directions or the time,
  • point to something spilled on your clothing,
  • or distract you by creating a disturbance.

Beware of groups of vagrant children who create a distraction while picking your pocket.

Wear the shoulder strap of your bag across your chest and walk with the bag away from the curb to avoid drive-by purse-snatchers.

Try to seem purposeful when you move about. Even if you are lost, act as if you know where you are going. Try to ask for directions only from individuals in authority.

Know how to use a pay telephone and have the proper change or token on hand.

Learn a few phrases in the local language or have them handy in written form so that you can signal your need for police or medical help.

Make a note of emergency telephone numbers you may need: police, fire, your hotel, and the nearest embassy or consulate.

If you are confronted, don't fight back -- give up your valuables.

Safety in Your Hotel

Keep your hotel door locked at all times. Meet visitors in the lobby.

Do not leave money and other valuables in your hotel room while you are out. Use the hotel safe.

If you are out late at night, let someone know when you expect to return.

If you are alone, do not get on an elevator if there is a suspicious-looking person inside.

Read the fire safety instructions in your hotel room. Know how to report a fire, and be sure you know where the nearest fire exits and alternate exits are located. (Count the doors between your room and the nearest exit; this could be a lifesaver if you have to crawl through a smoke-filled corridor.)

Safety on Public Transportation

If a country has a pattern of tourists being targeted by criminals on public transport, that information is mentioned in the Country Specific Information in the section about crime.

Taxis. Only take taxis clearly identified with official markings. Beware of unmarked cabs.

Trains. Well-organised, systematic robbery of passengers on trains along popular tourists routes is a problem. It is more common at night and especially on overnight trains.

If you see your way being blocked by a stranger and another person is very close to you from behind, move away. This can happen in the corridor of the train or on the platform or station.

Do not accept food or drink from strangers. Criminals have been known to drug food or drink offered to passengers. Criminals may also spray sleeping gas in train compartments. Where possible, lock your compartment. If it cannot be locked securely, take turns sleeping in shifts with your travelling companions. If that is not possible, stay awake. If you must sleep unprotected, tie down your luggage and secure your valuables to the extent possible.

Do not be afraid to alert authorities if you feel threatened in any way. Extra police are often assigned to ride trains on routes where crime is a serious problem.

Buses. The same type of criminal activity found on trains can be found on public buses on popular tourist routes. For example, tourists have been drugged and robbed while sleeping on buses or in bus stations. In some countries, whole busloads of passengers have been held up and robbed by gangs of bandits.

Safety When You Drive

When you rent a car, choose a type that is commonly available locally. Where possible, ask that markings that identify it as a rental car be removed. Make certain it is in good repair. If available, choose a car with universal door locks and power windows, features that give the driver better control of access. An air conditioner, when available, is also a safety feature, allowing you to drive with windows closed. Thieves can and do snatch purses through open windows of moving cars.

Keep car doors locked at all times. Wear seat belts.

Don't leave valuables in the car. If you must carry things with you, keep them out of sight locked in the trunk, and then take them with you when you leave the car.

Don't park your car on the street overnight. If the hotel or municipality does not have a parking garage or other secure area, select a well-lit area.

Never pick up hitchhikers.

Don't get out of the car if there are suspicious looking individuals nearby. Drive away.

Patterns of Crime against Motorists

In many places frequented by tourists, including areas of southern Europe, victimisation of motorists has been refined to an art. In some locations, these efforts at public awareness have paid off, reducing the frequency of incidents. You may also wish to ask your rental car agency for advice on avoiding robbery while visiting tourist destinations.

Carjackers and thieves operate at gas stations, parking lots, in city traffic and along the highway. Be suspicious of anyone who hails you or tries to get your attention when you are in or near your car.

Criminals use ingenious ploys. They may pose as good Samaritans, offering help for tires that they claim are flat or that they have made flat. Or they may flag down a motorist, ask for assistance, and then steal the rescuer's luggage or car. Usually they work in groups, one person carrying on the pretence while the others rob you.

Other criminals get your attention with abuse, either trying to drive you off the road, or causing an "accident" by rear-ending you.

In some urban areas, thieves don't waste time on ploys, they simply smash car windows at traffic lights, grab your valuables or your car and get away. In cities around the world, "defensive driving" has come to mean more than avoiding auto accidents; it means keeping an eye out for potentially criminal pedestrians, cyclists and scooter riders.

How to Handle Money Safely

To avoid carrying large amounts of cash, change your travellers checks only as you need currency. Countersign traveller’s checks only in front of the person who will cash them.

Do not flash large amounts of money when paying a bill. Make sure your credit card is returned to you after each transaction.

Deal only with authorised agents when you exchange money, buy airline tickets or purchase souvenirs. Do not change money on the black market.

If your possessions are lost or stolen, report the loss immediately to the local police. Keep a copy of the police report for insurance claims and as an explanation of your plight.

After reporting missing items to the police, report the loss or theft of:

  • Travellers' checks to the nearest agent of the issuing company
  • Credit cards to the issuing company
  • Airline tickets to the airline or travel agent
  • Stay Safe! Check the Foreign and Commonwealth Office (FCO) travel advice for the country you’re travelling to; are they advising against it?
  • Vaccinations Check what vaccinations you need at least 6 weeks before you go and consider whether you need to take extra health precautions
  • Passport & Visa Ensure you have a valid passport that is in good condition and the necessary visas
  • Make copies Make copies of your passport (including any visa pages), insurance policy plus 24-hour emergency number, and ticket details. Leave these copies, your itinerary and contact details with family and friends
  • Research Get a good guidebook and get to know your destination; find out about local laws and customs.
  • Qualifications Some jobs will require certain skills or qualifications. Teaching English abroad generally requires a Teaching English as a Foreign Language (TEFL) certificate before you go. Do all your research before you go!
  • Money Take enough foreign currency for your trip and some back-upfunds e.g. travellers cheques.