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Travel Insurance Tips

About Travel Insurance

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

 We often don’t realise how expensive a travel emergency abroad can be. If you need to be returned to the UK it could cost you thousands of pounds, unless you are adequately insured:

 What should my travel insurance policy cover?

• medical and health cover for an injury or sudden illness abroad – more infomation on medical and health cover page
• 24 hour emergency service and assistance
• personal liability cover in case you’re sued for causing injury or damaging property
• lost and stolen possessions cover
• cancellation and curtailment (cutting short your trip) cover
• extra cover for activities that are commonly excluded from standard policies, such as jet skiing.
• The policy should cover the whole time that you’re away.

Your policy may also have:

• personal accident cover
• legal expenses cover
• financial protection if your airline goes bankrupt before or during your trip.

any insurers will extend cover if you ask them. If not, shop around for a specialist policy.

 Common travel insurance policy exclusions

 Always check the conditions and exclusions of your policy:

 most policies will not cover drink or drug-related incidents

• you must take reasonable care of your possessions or your policy will not cover you.

Travel insurance buying tips

• shop around to find a good price and the right product rather than opting to travel without cover
• cheaper policies will usually have less cover – for some the price seems most important, but is it worth the initial saving?
• consider annual multi-trip insurance if you make several trips a year – you’ll save time and money.
• Cancelling or cutting a trip short
• A good insurance policy will cover you for cancelling or cutting a trip short. Check carefully to see exactly what you’re covered for:
• accident

• illness
• pregnancy (unknown when you buy the policy)
• home emergency: fire, storm or flood, burglary
• redundancy
• strikes
• bad weather – affects the departure of flights and ships.

Ensure your policy:

• will refund the full cost of your holiday
• pays out if you need to cancel or cut short a trip because you fall ill for example
• covers pre-paid expenses such as excursions
• covers extra costs incurred to get home

Personal liability insurance

If you accidentally cause an injury to someone or damage their property they may sue you. Good travel insurance will cover you for personal liability.

 Personal accident cover – disability and death

Travel insurance can cover a personal accident payment made for permanent disability or death.

 Cover for stolen, lost or damaged possessions

You can normally choose the limit in your policy. Limits for single items such as cameras and jewellery can vary from as little as £250 up to £1000 or more. Check these limits are adequate and realistic.

 You should report a loss to the Police within 24 hours. Proof of notification will be required when you make your claim.

 All insurance policies say that you must take care of your belongings at all times. If you don’t, the policy may not pay out.

 Tip: take as much care of your property as if it were uninsured.

 Lost baggage on flights

Do not rely on compensation from an airline if it loses your luggage.

 By law, airlines only have to pay a specified minimum value per kilo of lost luggage. This is unlikely to cover the full value of your things.

 Legal expenses cover

Taking out legal expenses cover will help you to pursue compensation or damages following personal injury while you're abroad – very important in countries without a legal aid system

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.

asrecommended insurance offers travel insurance via selected motor 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