What is the cheapest car insurance in the UK?

The cheapest car insurance in the UK depends on personal factors such as age, driving history, postcode, and vehicle type.

Travel Insurance With Asthma or COPD

Asthma and COPD are common, and many people with them travel regularly. Insurers will ask about your condition, and the answers affect cover and price. This is general information, not medical advice, so speak to your doctor about your travel plans.

Table of Contents

Do you need to declare asthma?

Usually yes, if the insurer asks about conditions affecting your lungs or breathing, or about medication such as inhalers. Mild, well-controlled asthma is often covered at no extra cost, but you still need to answer the questions. For COPD, bronchitis or emphysema, expect more detailed questions. See pre-existing conditions.

What insurers typically ask

Your diagnosis and how long you’ve had it
Medication, including inhalers and steroid tablets
Hospital admissions or emergency visits for breathing problems
Whether you use oxygen at home or are being assessed for it
Lung function test results, if asked
Whether you smoke

How severity affects cover

Mild asthma often costs little extra. More severe asthma, frequent admissions or COPD can raise the price, bring exclusions or lead to a decline. Check how each insurer defines “severe”. See what is a medical screening.

Finding the right policy

Compare several insurers for the same trip.
Check medical limits for your destination.
If you’re declined or the price is very high, use the MoneyHelper directory. See how to use the MoneyHelper directory.
If you plan winter sports at altitude, check cover carefully. See winter sports travel insurance.

Practical tips

Carry inhalers and medication in your hand luggage, with spares.
If you use oxygen, speak to your airline well in advance, because it may need to arrange equipment.
Ask your doctor about air quality, altitude and heat at your destination.
Take a copy of your prescriptions and your doctor’s contact details.
Check how to get medical help at your destination.

Frequently asked questions

Do I need to declare mild asthma?

Usually if asked about conditions or inhalers. Mild asthma is often covered at standard rates.

Is COPD harder to insure?

It can be, as insurers consider it a higher risk, so expect more questions and compare specialist options.

Can I travel with oxygen?

Often yes, but you must arrange it with your airline in advance and your insurer should know.

Should I take extra inhalers?

Yes, carry spares in hand luggage, with prescriptions.

Related travel insurance guides

This article is general information, not financial or insurance advice. Always read the policy documents before you buy.