Archive for the 'Travel Insurance' Category
The motto of the insurance industry should be ‘expect the unexpected’, and whether a traveller is setting off on the trip of a lifetime or just simply popping across the channel for a quick shopping spree, surprises often happen and not all of these are pleasant.
When buying travel insurance, the consumer watchdog, ‘Which’, suggests that cover should include medical expenses for both the injured and also any accompanying family or friends, cover for the cost of an air ambulance; baggage and belongings cover; cancellation fees, should illness mean that flights and reservations have to be adjusted; legal expenses protection; and personal liability, in case damage is caused to a third party in terms of an accident.
Telephone numbers for the British Consulate and also the Financial Ombudsman Service (FOS) are also a good idea. The Consulate can be remarkably helpful when it comes to dealing with overseas bureaucracy and their officials are fluent linguists.
No one sets off on holiday planning to have an accident, but if a traveller is fully protected then that threat need not turn into a disaster.
When booking your next holiday remember to get travel insurance to cover your personal luggage. The amount of insurance cover you require will be determined by the value of your luggage. It is often the case that there will be a limit on the number of particularly expensive items you may take with you.
If you get to your destination and find your luggage has been lost, then your travel insurance policy will pay a set amount to allow you to purchase essential items like clothes.
When considering travel insurance for personal belongings or your holiday baggage, remember that your home insurance may cover you for some things. It is worth checking your policy schedule to see what is and is not covered to save money across your insurance policies.
It is always your responsibility to take reasonable care for your belongings. If your luggage is in the hands of another, such as the airline or hotel transfer company, then they will be your first point of contact for recovering your lost or damaged items. If you have your items stolen, you will need to get a report from the local police, so that you can include this with your claim.
Your travel insurance policy may not cover you for loss of your passport, tickets, or other important travel documents. Therefore, check the policy schedule to ensure you have suitable cover and assistance in getting replacements.