Martin Lewis has shared advice for people making a travel insurance claim, urging them to avoid a mistake that could ‘breach’ their policy. As the money-saving expert outlined on The Martin Lewis Podcast, travellers with double cover can’t make claims from multiple insurers.

He also said your insurer might ask you to notify them if you have cover with another provider. Martin explained that the insurer you claim from might try to recover the cost from the other insurer. The expert outlined the process during a ‘Question Time’ podcast episode.

The MoneySavingExpert regularly answers questions from the public on the show, covering topics such as mortgages, ISAs, subscriptions, and insurance. In this week’s episode, a listener with two travel policies asked Martin how to make a claim and whether he could choose where to make it.

Sharing a question for Martin via email, James wrote: “I receive travel insurance as part of my HSBC bank account, but I also have travel insurance from a workplace healthcare plan. What happens if I need to make a claim? Can I choose who to claim from? Or do I need to notify both?”

He continued: “While I’ve not claimed, I want to make sure I don’t encounter any issues should I need to. I’ve used AI to compare both policy documents, and my bank policy is more comprehensive, but I don’t have the option to opt out of the company plan without declining workplace healthcare.”

Responding to the questions, Martin said there’s no issue with having two policies, but you can’t claim from both of them. He explained: “You cannot profit, you can only get your cost back.

“So you couldn’t, for example, have an incident abroad and claim off both the same amount. So you’re making money on the back of it. That’s a breach. That’s the first rule.”

Martin added: “The second rule is you can choose who to claim from, but when you’re making that claim, you must answer honestly, and it will usually ask you if you have any other insurance that may cover this.” He said you should always tell them ‘yes’.

Lastly, he said James could choose which insurer he wanted to claim from. Martin said he would always choose the best cover, reports the Mirror.

The expert continued: “The insurer that you claim from may try and recover the cost from the other insurer or ask you to do so. And all of that depends on the terms of your particular travel insurance policy.

“So you should be covered, and yes it’s simpler to have one so you can answer no. But in your case, you can’t only have one because you’re getting better cover from your bank policy anyway.”