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Don’t
leave it until the last minute
When
getting travel insurance you should make sure that
you begin shopping around as soon as you have made
your travel arrangements. Many people shop around
endlessly for their holidays but just buy the first
travel insurance policy they see at the last minute.
Look around at all the deals available and look at
what they cover you for.
Medical
and repatriation
If
you are going to a country that has potential political
problems or disease issues, then you need to make
sure your policy covers all medical eventualities
as well as repatriation. You should try and get a
policy that covers you for at least £1 million.
Trip
cancellation
One
aspect that your policy should include is the refund
of your holiday costs should the trip be cancelled
or cut short. This is important because this is one
of the most common reasons for claiming on travel
insurance.
Immediate
start
You
should make note of whether the policy starts immediately
or after a certain number of days. If you have a limited
time to book your insurance then you want a policy
that covers you as soon as you book it.
Dangerous
activities
If
you like being adventurous on holiday then you will
want a policy that covers you for potentially dangerous
sports and activities. Many policies don’t cover
for items like skydiving or bungee jumping, so if
you will be doing these things you need to look into
which policies will cover you.
Personal
liability
One
of the most important things you need to be covered
for is personal liability. If you accidentally injure
someone then you will be thankful for having this
cover. Make sure the level of personal liability cover
you get is the highest you can afford to cover potential
lawsuits or compensation.
Lost
or stolen
It
is important to have a policy that will cover you
in the event that your goods are lost or stolen. This
will be of particular use if you lose your wallet
or other valuable possessions
Single
and annual cover
If you go abroad infrequently then you will only need
to buy single trip insurance. However, if you travel
a lot then it might be cheaper to get annual cover.
This will cover you for any trips that you make in
the year, and will save you having to take out new
insurance each time. by: Peter Kenny
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