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Travel Insurance

About Travel Insurance

 Travel insurance can often be a life saver and many people often regret not taking out adequate cover, indeed any cover at all. Many mistakenly believe that their home insurance, or private health cover will suffice but this is often not the case.

To put this in perspective the cost of a travel emergency can be significant if you have an accident requiring medical attention. Getting back to the UK could cost you thousands and emergency travel such as an air ambulance on some contitnents could cost in excess of £30,000.

What should my travel insurance policy cover?

• Medical and health Insurance for an injury or sudden illness abroad
• 24 hour emergency travel assistance
• Personal liability insurance
• Lost and stolen possessions insurance
• Trip cancellation insurance cover
• Winter sports travel insurance if appropriate.

Other additional travel insurance aspects to consider include:

• Personal Accident Travel Insurance
• Legal Cover
• Personal Liability insurance - In the event that you cause an injury or damage third party property and the third party attempts to sue you then travel insurance may cover you for personal liability.

• Personal Accident Insurance - Travel insurance can cover a personal accident payment which may pay out in the event of a fatality or permanent disability.

• Lost or Stolen Possessions Travel Insurance - Different possession are normally given certain limits for claims so check that the value limit for the appropriate item. In the event of needing to claim on your travel insurance policy then you must ensure the loss is reported  to the Police within 24 hours. You will need to prove this when you come to make your travel insurance claim.

• Lost baggage on the plane

It is important to have the adequate travel insurance cover in place as airline’s liability is often very limited and will not cover the full value of your possessions

• Legal expenses insurance

This will cover legal expenses and will aid you to pursue compensation following personal injury while you’re away.

The opinions expressed are those of the author only. The material is for general information only and does not constitute legal, financial or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation by an FSA authorised company where the market is FSA regulated.

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Asrecommended insurance offers travel insurance via selected travel insurance providers to give you the best travel insurance quotes to suit your needs. If you are looking for annual multi-trip or single trip holiday insurance then our providers can help. Holiday sports and equipment can also be covered. Get a travel insurance quotation online or over the phone.