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Whether you are going on holiday or travelling for business, travel insurance is an essential for everyone. Below is some useful information to help you buy travel insurance for your trip. |
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What Does Travel Insurance Do?... |
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Travel insurance is usually bought as a standard combined package of covers designed to protect you from a variety of events that could occur whilst you are away on holiday.
These events range from compensation for delayed flights to cover of medical treatment costs should you need any while you are abroad.
Travel Insurance is an absolute must for anyone going away, click one of the links below to find out more.
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More About Travel Insurance... |
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There is always a chance that something unfortunate may happen while you are away on holiday.
Buying travel insurance before you go away will ensure that you have peace of mind that you are covered against any adverse events such as the following which are normally covered by your travel insurance. |
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| Your travel insurance package will should normally provide compensation for the following: |
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- Compensation if your trip is cancelled or delayed due to circumstances beyond your control
- Medical emergencies and or repatriation expenses if you are ill or injured whilst abroad
- Loss or damage 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 in the case of an
- 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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| Often these areas of cover can be subject to limits and excesses so you should read your policy document carefully to check how much you are covered for and if any excess needs to be paid should you make a claim. |
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| You can buy travel insurance from many different places including insurance brokers, tour operators, banks,travel agents, building societies, the post office, retailers, credit card providers or direct from insurance companies. |
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Travel Insurance Common Exclusions... |
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| If you have a pre-existing medical condition, or are planning to take part in any dangerous activities and you want cover you must tell your insurer before you travel to see if they will cover you for claims arising from these causes. |
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Around half of the policies in the travel insurance market cover medical expenses caused by a terrorism event and some policies also cover other costs incurred by terrorism, such as loss of luggage and personal accident.
Check your policy for details and shop around to get the cover you want. |
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What to Ask When Buying Travel Insurance ... |
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It is very important to find out all of the information you need to know before purchasing your travel insurance.
Here are some things that you should ask your insurer before you buy travel insurance. |
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| Shop Around |
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| There are a wide range of companies available who supply travel insurance so it is well worth looking around to find the best travel insurance deal suited to you. |
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| Consider What You Need |
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You may want to consider your wider needs for insurance. For example, if you have a family who depend on your earnings you may want to consider life insurance in addition to your travel insurance.
In recent years there has been a rapid increase in the popularity of adventure travel. if you are going abroad to try out snowboarding you may need a special kind of cover to suit your needs. It is very important that you consider what type of activities you will be doing while on holiday so that you can let your insurer know and be covered for all eventualities. |
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| Consider Where You Are Going |
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Sometimes it is not considered safe to travel to certain parts of the world, if you are unsure about this check check the Foreign and Commonwealth Office website first - click here.
If you are travelling to developing countries where medical treatments may not be readily available, you may want to ask your insurer if your insurance will cover repatriation costs if you are seriously injured or taken ill whilst abroad. |
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| What Cover You May Already Have |
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Many household contents insurance policies offer cover for personal items which may be lost, stolen or damaged whilst on holiday- such as mobile phones. If you do have this type of insurance then it is possible for you to remove this from your travel insurance cover, saving you money.
Some credit card providers also offer elements of travel insurance as part of their products but cover may be limited. So you might have to buy some extra cover to provide the same protection as travel insurance alone. |
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| What Happens If You Need Help While on Holiday |
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| Most travel insurance policies include a 24-hour emergency service and telephone line. Make sure you take a copy of your policy and a note of the telephone number. Many Insurers provide a handy card with their numbers on. |
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| Remember to take reasonable care of yourself and your belongings on holiday even if you are covered! |
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Where to Buy Travel Insurance... |
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| Below we have listed some recommended companies who provide travel insurance. Have a look and compare prices and deals suited to your travel. |
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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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