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Travel insurance is a must for any traveller. So when you consider buying travel insurance or are about compare travel insurance prices read this guide on useful unofficial information. |
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Travel Insurance - Luton Airport ... |
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The travel insurance product is there for travellers to be protected should any emergencies happen whilst they are travelling abroad (or UK) so that they can be recovered and their holiday either less disrupted, or reimbursed for any expenses on their return.
Such emergencies can include compensation for delayed flights, medical treatment cover, lost luggage and such like.
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More About Travel Insurance... |
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There is always a chance, wherever you travel to, that something can go wrong. When this does happen you will need travel insurance.
So, by buying travel insurance when you book your holiday means you'll have peace of mind that you can travel in safety. |
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| Normal travel insurance package include the following cover: |
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- Compensation if the trip is cancelled or delayed due to circumstances beyond your control
- Any medical emergencies or repatriation expenses should you be taken ill or injured whilst abroad
- Damage or loss to your personal possessions
- Loss or theft of money
- Expenses incurred due to a delayed departure
- Expenses incurred to replace a lost passport
- Legal expenses and personal liability cover
- Accident where you cause injury or damage to a third party or their property
- Compensation if you suffer permanent disability or death whilst on holiday.
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| Do check your policy for any exclusions or any high excesses or limits that could effect your claim. |
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| Travel insurance can be bought from travel agents, banks, insurance brokers, travel agents, building societies, the post office for example. |
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Any pre-existing medical condition you may suffer from must be declared when you take out the travel insurance policy.
Also to be declared must be the intent to participate in any Winter sports or water sports. |
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Nowadays around half of travel insurance policies cover medical expenses caused by an act of terrorism, whilst some policies also include cover for loss of luggage and personal accident due to terrorism.
Check your policy for details and shop around to get the cover you want. |
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When Buying Travel Insurance ... |
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| Here are some things to think about and ask your travel insurer before you buy and compare travel insurance prices: |
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| Quotes |
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| With travel insurance available through so many channels you can shop around for the right cover for the right price. |
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| What Do You Need |
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What insurance do you need - life insurance might be a consideration if you're involved in dangerous sports and you have a family who depend on your income.
Do you need Winter sports cover or cover for water sports? You'll only be covered if it's included in your policy and this type of cover isn't standard, has to be requested as an add-on to the product. |
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| Where You Are Going |
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If you are worried about the safety of travellers in the Country you are travelling to check the Foreign and Commonwealth Office website first - click here.
Also check if the Country you are travelling to has up to date medical supplies, if not check you insurance policy covers repatriation costs if you are seriously injured or taken ill whilst abroad. |
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| Existing Cover |
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Some household insurance policies include travel insurance cover so check before you buy any more. But also check what cover is offered as it might not be adequate for your needs.
Also check your credit card account to see if they offer free travel insurance too. Again, check the level of cover. |
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| Claiming Abroad |
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Good travel insurance policies have a 24-hour emergency service number for you to contact.
Also, travel with your travel insurance policy schedule and policy document. |
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| Take reasonable care of yourself and your belongings on holiday even if you are covered! |
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Buying Travel Insurance... |
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| Here are just a few companies you can contact for a quotation about travel insurance: |
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Churchill Travel Insurance |
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Challenge Churchill to find cheaper travel insurance |
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Website |
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American Express Annual Insurance |
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Annual travel insurance from American Express |
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Website |
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Columbus Direct Travel Insurance |
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Get a quote for travel insurance from Columbus Travel Insurance |
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Website |
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Travel Insurance Online |
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Travel Insurance online offer great deals on insurance for holidays and business travel |
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Website |
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