Travel insurance companies try to predict how likely you are to make a claim.
They usually do this by asking you some questions. You may either be asked these questions on the phone, or by an online form, depending on how you are applying.
They then use your answers to estimate how likely you are to claim and how much that claim might cost them. They will also use their experience of previous claims.
Travel insurance companies will generally ask about:
The more likely the company thinks you are to claim, the more it will ask you to pay for travel insurance.
You may need to pay an excess upfront before your insurer will deal with the claim. Or the excess may be deducted from the final claims payment. For example, if the excess on the policy is £50 and you make a successful claim for £250, the insurer may pay you £200.