Travel Plan Information

Have you checked out the brochures, online magazine and pay your deposit – the countdown has begun a huge party! It is time to turn to other things – such as travel insurance. Take time now and pay later, potential problems
What coverage do you need?
Nobody wants to be in need of insurance in a foreign country. All policies have limits and exclusions. You need to know what is and more importanly, which is not covered by your policy before you travel.
The basic requirements of the policy:
? Helpline 24 hour emergency cover legal fees. Enter this number in different places so you can find easily if necessary.
? health insurance coverage for a minimum of 1 million books in Europe and 2 million pounds in the United States and the rest of the world. This may seem a lot, but does not cost an air ambulance if necessary.
? £ 1,500 minimum cover for personal belongings and luggage. Most policies have a limit single element. Take a look in his policy covers, for example the cost of replacing an expensive camera or watch.
? Minimum 3000 lbs “nullification or impairment” of housing. This protects you if, for example, has to interrupt his vacation to return home due to family emergency. You can also question for reimbursement of expenses paid trip Reserved.
? At least £ 1 million personal liability cover in case of injury or hurt someone’s property.
? Your insurance company must be a member of the Financial Ombudsman Service. They are an impartial body that can help resolve complaints and get compensation. Their services are free and can be very useful if you have a dispute with an insurer.
Tips and tricks for buying your policy:
? Always, always tell the insurer of preexisting medical conditions – not to do so may result in the invalidation of your policy.
? Read the details and question as many questions as you need to know exactly what your policy covers.
? Check the exclusions and limitations of coverage. For example, do you need coverage of sport? Check the details.
? Remember. Check the excess on the policy.
? Check your home contents policy (personal or section all risks) Your property may be covered when you’re away from home. Taking luggage on their travel policies can save you money on your premium.
? European Travel bonus – get a European Health Insurance Card (replaces the E111 form in 2006). Pick up a form at the post office, complete and return. Many insurers will not charge up to 50-100 pounds for the excess policy. This card is valid only in Europe.
? Check with your credit card company and bank – accounts of certain types of travel insurance world as a benefit. Ring and a check or call in your office – you could save money. Do not rely on travel accident insurance offered by credit card – it has a very limited amount of medical coverage and is generally inadequate for your needs.
? Buy your policy for an insurance company, a travel agent. What A 2006 survey said that travel agents are generally more expensive and the policy can not guarantee coverage for your needs. For the moment, travel agencies are not covered by financial regulation if the insurance is sold through a global agreement can not be covered by the Financial Ombudsman Service – if things go incorrect, can have very few resources.