Europaeiske ERV DK review

The excess starts at DKK 0, which is as low as this kind of cover goes. In practice a settled claim leaves very little for you to pay. The brand scores 8.1 overall, with 8.1 for cost, so price is among its stronger points.

The audience is expats, and the travel range is aimed at people living away from their home country. The brand is Danish, based in Denmark, and has been an insurer since 1921. That suits a specific profile rather than the whole market.

Age limits apply to part of the range. The young traveller and backpacker policies carry a band of under 36 for Rejseforsikring Ung and Backpacker, so travellers under that age sit in a separate product. The travel, health and gadget lines in travel, health and gadget serve other ages.

Claims can be started by phone and online, so a person on the phone sits alongside an online route. Day-to-day questions run through email, phone and help centre, covering email, phone and a help centre. That mix matters for a claim filed abroad, where language and time zones both count.

The lines listed for this brand are travel, health and gadget, which covers the core needs of someone living abroad: medical costs while travelling, health cover and gadgets. Home, car and life cover sit elsewhere, which is where a wider range helps.

The brand is an insurer, not a comparison site or a broker, so the cover is underwritten by the company you deal with. The legal entity is ERGO Forsikring, which took over Europæiske Rejseforsikring. It has traded since 1921.

Starting premiums on the site sit at €2.92 in the lower band and €29.72 in the upper, so the spread is wide. Age, destination and how long you are away move the price more than the brand does.