TRAVEL INSURANCE ADVICE
Buying travel insurance can be a difficult and complicated process. With a wide choice of insurance companies and the different types of policies they offer it is easy to become confused.
However with the right advice and information you can easily find the best value and most appropriate travel insurance for you. That’s why we will give you all the free information, help and facts that you need to be able to make the best choices when purchasing your travel insurance.
As well as having good travel insurance it is important that you think about which form of foreign curency you are going to take on holiday with you too. Currency Cards are a relatively new yet ideal alternative to taking travellers cheques or credit cards abroad and will give you security over your money which will complement your travel insurance.
Whatever type of insurance you are looking for from family insurance to over 65’ insurance, winter sports insurance or cruise travel insurance, you will find all the information to make the right decisions right here.
So let’s start with the basics:
What is Travel Insurance?
Travel insurance is insurance that provides cover against medical expenses, loss of property and cancellations of transport whilst travelling. There are many different types of policy that you can buy that cover various things but the minimum that any policy should cover is:
- Medical Expenses and Emergency Rescues.
- Cancellation and Delays of your trip.
- Loss, Theft or Damage of your possessions and money.
- Personal Liability (Insurance against you causing damage or injury).
- Legal Expenses Cover.
There are lots of other options available and various areas that can also be protected against with travel insurance, but these are the standard and the most important ones that all policies should have.
Why do I need Travel Insurance?
Travel insurance is necessary to protect you against any unforeseen events. For instance if your flight was cancelled or delayed the airline involved might well only reschedule you and charge you again. With good travel insurance you will be able to claim for the cost of the cancelled flight.
Also if your travel agent or airline went into bankruptcy, something which is happening quite a lot in these troubled times, then you would find yourself at the bottom of a long list of people waiting to get their money back. A travel insurance policy will often now refund your expenses if this happens to you.
Also there is the possibility of an accident or serious illness affecting your holiday. As most countries do not have free health care a trip to the hospital can work out very expensive, not to mention the costs of any rescue or medical transportation needed.
As well as these reasons there is also the very real risk of theft or loss or damages to your possessions. This is another thing that can be covered by travel insurance and you can often set the amount of monetary value that you wish to be covered for.
So you can see that travelling can be a risky business and that there are many potential hazards that can occur and that you should be well guarded against.
Where can I get Travel Insurance?
Most people that do buy travel insurance will usually get it from one of the following places.
- Their travel agent or tour operator.
- Their bank.
- An insurance company who already provides them with another type of insurance, i.e. house insurance or car insurance.
However, we don’t recommend that you get your travel insurance from any of these places.
There are hundreds of different providers of travel insurance in the UK so why severely narrow your options by only looking at these three alternatives?
Instead we advise you to shop around to find the best deal that suits your travelling needs.
Many travel insurance companies now operate online, making it very easy to access them and their policies. Often you can also get instant quotes online too.
Another quick way to look at several quotes at once is to use a comparison website. When you can get several quotes easily and quickly, whether through the internet or the high street, then you will be in a better position to evaluate the offers and make the best purchase.
What types of Travel Insurance can I get?
There are many different options on what type of travel insurance to get depending on your age, your circumstances and what you are planning to do on your travels. Some of the various types of travel insurance policies you can buy are:
- Over 65’s travel insurance.
- Family travel insurance.
- Winter sports travel insurance.
- Backpackers travel insurance.
- Cruise travel insurance.
These are some examples of the kinds of insurance policies you can buy. For more detailed information on any of these policies and for more policy types please follow the links on our menu bar.
We hope that you find the information and advice contained on our website to be useful and that by using it you are able to make better choices when purchasing your travel insurance.
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