Southdownsinsurance Reviews 

I GAVE 4**** AS I DONT GENERALLY LIKE GIVING 5 AS IT IS RESERVED FOR BEYOND EXCELLENT.
SOUTHDOWNS ARE A REPUTABLE COMPANY AND OFFER A COMPETITIVE PRODUCT, THEY ARE GENERALLY FAIR AND RELIABLE AND I INSURE WITH THEM SINCE A COUPLE OF YEARS! WOULD RECCOMEND.

Vert easy to navigate website & easy to obtain insurance & very competitive price.
First class experience

Rudest customer service I've ever spoken to, and a claims portal that doesn't work. Had to claim for a trip to that was affected by natural disaster. After submitting a claim online, the portal said there was an error and we needed to call the team. Spoke to one of the rudest men (Bernardo) I've ever dealt with who repeatedly spoke over me. Responded to an email as instructed with claim details which was ignored for weeks. Spoke to someone else on the phone (Xavier he said his name was) who also interrupted me and kept telling me I couldn't make a claim; openly admitted they ignored my email; and blamed me for their portal not working. Never dealt with such rude people and doubt I'll get any money back despite being told to evacuate a natural disaster. Spent £70 on the policy and lost £700 for a claim I won't get back.

Always helpful, always a great price, clear and understandable communication, very efgicient

Very quick and easy. I needed horse riding cover and it was very clear that this was included, unlike with some other insurers.

Have used them before, and cannot find another decent company to compare them to.
Individualised attention, they listen, updated my travel needs and we went through all of the different options I had.
Personal, friendly and professional- won’t need to look elsewhere.
They don’t just categorise you into a box, they individualise your needs- what a difference!!!
Spoke to an agent and she really listened and asked sensible questions, allowing me to explain my chronic health needs and offered me several options.
This is how insurance companies can help you and make a difference- instead of assuming you are all the same.

Great service when I called with a question, there was no waiting in a queue for my call was answered straight away and query dealt with quickly

10/10 Customer Service
The agent I spoke with (Nikki) was polite, knowledgeable, helpful and very personable. Who knew renewing travel insurance would be a fun and pleasant experience!

Great service

Brilliant service over the phone today. Would highly recommend Southdowns, they are competitive price wise but most importantly they are very helpful over the phone

Booking travel insurance with Southdown insurance was a quick and easy process. Also the price was good.

Always get my holiday insurance through South Downs - best prices!

Extremely helpful
Given good advice
Took time to understand & process my claim - was a delicate situation. Received claim, thank you

Writing on behalf of my poor wife: Let me tell you what Southdowns (part of the AXA Group) thinks “emergency dental treatment for immediate relief of pain” means: paracetamol. That’s it. Swallow some tablets while an active infection eats through your jaw, and pray you make it home before sepsis sets in.

I was in Iran when two molars became acutely infected. Severe, unrelenting pain. Facial swelling. Unable to sleep or eat. A dentist confirmed I needed immediate root canal treatment to remove the infected tissue and prevent serious complications. This wasn’t a check-up. This wasn’t cosmetic whitening. This was a genuine dental emergency requiring the exact treatment any competent dentist anywhere in the world would provide.

Southdowns’ response? Claim declined. Their breathtaking logic: root canal treatment isn’t covered because it’s not “immediate relief of pain.” Apparently, actually fixing the problem doesn’t count. Only masking it with painkillers while the infection spreads counts as “relief.”

Let that sink in. They’re arguing that a procedure which removes the source of pain isn’t pain relief, but tablets that temporarily dull the agony while your condition deteriorates is pain relief.

This isn’t a grey area. This isn’t a technicality. This is an insurance company that has taken your premium and is now contorting basic dental medicine into pretzels to avoid paying out on a completely legitimate claim. Southdowns’ policy doesn’t exclude root canal treatment. It doesn’t say “medication only.” It doesn’t limit cover to “palliative” measures. They’ve invented a restriction from thin air because paying claims apparently isn’t in the business model.

I paid £67 for this policy. I experienced exactly the emergency it claims to cover. I received exactly the treatment that medical science prescribes for that emergency. And Southdowns looked at this and decided that what I should have done was pop pills and suffer until I got home — at which point, presumably, I’d need the exact same root canal treatment anyway, just with a worse infection and a nice story about how my travel insurance was worthless.

The Financial Ombudsman will be hearing from me. The FCA will be hearing from me. And now you’re hearing from me: Southdowns will take your money and then argue with a straight face that treating a dental emergency isn’t treating a dental emergency.

Absolutely shameless. Avoid.

I have had a policy for a while now and needed to make changes. It was easy to contact them and easy to upgrade my medical history and travel areas.

I have been with your company a few times, luckily never needed to use the insurance just nice to know its there just incase

Renews every year automatically, I didn’t need to claim anything yet but I would assume that this would be as straightforward as the annual renewal.

I’ve used this company for years now, for annual travel cover with medical conditions. I’ve thankfully never had to make a claim so I can’t comment on that process. I’ve always found prices extremely reasonable and the staff are professional and friendly when I’ve needed to call to make changes.

Needed emergency medical care while in the US - team were absolutely fantastic and sorted the payment before we had even been checked in! Couldn't rate them highly enough