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Travel insurance covers you when your holiday goes wrong. Adequate cover is important before you set off on your travels as holidays are precious and it's the one thing that you most look forward to in the year. Some see it as an added expense but considering the overall cost of your holiday, travel insurance will only be a small percentage.
Those who settle for minimum cover find little help when it is needed. Travellers are left with the high cost of medical treatment, paying for unexpected changes in travel plans, or suffering the loss of personal possessions.
Comprehensive travel insurance accounts for approximately seven percent of your holiday cost and provides you with peace of mind.
Most travel insurance policies cover two main risk areas:
- Trip cancellation or interruption
- Emergency medical evacuation
Your policy should also cover personal liability, loss of baggage, loss of papers (passport etc) and theft. |
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Factors affecting the choice of policy and the amount of cover obtainable are:
Shop around for the best deal as there are many different organisations who offer travel insurance. Also check with your bank, credit card issuer or private health insurance to see if they provide any free travel insurance. If they do, find out what exclusions they have as it may not cover other family members. If it's a credit card, you may have to pay for the holiday using that card to qualify. 'Freebie' travel insurance is great but you will need to top up where necessary or take out additional cover.
Check your home contents insurance policy to see if any of the possessions you are taking with you are covered while abroad, eg jewellery, photographic equipment etc.
Another source of information and travel insurance is online. Customers do not have to buy tour operators own travel insurance at inflated prices, great value insurance can be found online. Remember cheap isn't always the best. You will need to ensure that the most important areas are covered.
Regardless of where you are travelling to, a city break, a beach holiday or an activity holiday , travel insurance is essential. If travelling within the UK, it unlikely you will need holiday insurance . An exception is cancellation cover in case you need to cancel a pre-booked holiday.
Don't let your holiday be ruined! Make quality travel insurance a standard part of your holiday planning.
We have a variety of single trip and annual insurance rates, whether
the
cover is just for you or your family, you're travelling within the EU
or
worldwide and whether you're being adventurous and need winter sports cover.
