Travel - Holiday Insurance Cheap Quotes Online
Travel Insurance polices are available from a wide number of sources and as with all types of insurance policy, it is worth shopping around. Always check the cover on offer as cheaper options may have a lower sum insured for medical expenses, whilst this may be acceptable whilst traveling in Europe, a higher sum insured will be required when traveling to the United States of America. A minimum of £5,000,000 is usually available.
If you book your holiday via a tour operator, they will undoubtedly offer you their own travel policy, these tend to be amongst the most expensive available on the market so beware, don’t just take out cover just because it is convenient.
You may find that by travelling as family, you can buy a policy that will cover all of you, ask about a family policy, it may save you money. If you travel on a regular basis, investigate the possibility of an annual policy as this again may save you money. Be careful if you do buy an annual policy as particularly the cheaper ones have maximum trip duration.
Sometimes travelling abroad as a a group etc, you may find that your insurance costs are slightly higher, insurers frequently have an “ accumulation limit” and sometimes are concerned about insuring large numbers on one trip as this can effect their exposure to a serious loss.
Making a Claim - There are a few simple rules if you wish to make a claim under your Travel Insurance UK Cover Policy.
If your ill whilst abroad and have to seek medical attention, advise the medical practitioner that you see that you have the benefit of a Travel Insurance policy covering medical eventualities. For smaller claims keep receipts for anything that your purchase but remember, your policy will normally have an excess of about £50.00 so claiming may not be worthwhile.
If you lose any item or it is stolen report it to the local police as soon as possible and ask for a reference number. It is highly unlikely that your insurers will pay a claim for lost items if the incident has not been reported to the police.
If your baggage is lost whilst in the course of transit with an airline, remember to notify the airline immediately that you notice the loss. Read your policy, as you should be entitled claim for clothing providing you are on the outward portion of your journey. You must ask the airline to provider you with a “ baggage irregularity form”. This form provides details of the loss and your insurers will need to see sight of it. It is a good idea to keep items such as boarding cards etc as your insurers may want to see these as well.
If you are unable to travel because of illness, your insurers may want to see confirmation from your medical practitioner confirming that you were unfit to travel.
Keep all tickets and obtain confirmation in writing from your travel agent or airline that you are unable to obtain refunds if you are unable to Travel for any reason..
Insurers receive a large number of claims for lost baggage, which they will not pay. Most policies contain a clause stating that you must not leave your bags unattended at any time, always pay attention to your belongings
Introduction to Protecting your Belongings - When we go on Holiday it is usual to take a number of items of value with us practically jewellery or perhaps photographic equipment. Whilst we may have insurance on these items, it is always better to save guard them rather that be forced to make a claim under an insurance policy. Whilst Travel Insurance will normally cover Personal belongings, the sums insured are normally quite low and it is usual to see if cover can be extended under a Home Insurance policy. Check with your Home Insurance provider, you may find that you have an automatic insurance extension of up to 30days.
In the event of a claim it is usually for the Travel Insurance Company to request that the Home Insurance Company pay part of any claim. Be prepared for this, it is fairly standard procedure. If you report a claim to your Travel Insurance Company, they will usually ask for details of your Home Insurance as a matter of course. When you arrive at your destination, it will become obvious very quickly that the majority of travelers have baggage of similar colours. Try to mark you bags with a colored pen or perhaps you could tie a piece of ribbon to the handles. This will help you identify them quickly.
If the airline manages to lose your baggage in transit, remember to tell them immediately and request a baggage irregularity form to be completed. Without this it may not be possible to make a claim from your Travel Insurance policy. If you are on the outward portion of your journey, your policy may provide you with an emergency clothing allowance, check with your policy wording. If you lose any items or have any items stolen, remember to report the matter to the police and ask them for a reference number, you will need to produce this to your insurers in order to make a claim.
It is always wise to carry valuable items such as jeweler and camcorders etc as Hand Luggage. Items such as money, credit cards, passports, spectacles or contact lenses, or any medications should also be carried with you. When you arrive at your destination, enquire about keeping your valuables in the Hotel Safe, sometimes a safe can be found in you hotel room and is worth the small cost.
Most Travel Insurance policies have exclusions for unattended baggage, this equally applies if you leaver your baggage unattended at an Airport or Railway Station or unattended at a Hotel. Some insurance companies will exclude Theft cover if you leave your baggage in the custody of the Hotel, whilst you wait for your homeward bound flight etc. This can be quite a problem particularly if you have to check out in the morning and your flight is not until later on in the day. The golden rule is that baggage is your responsibility and if you leave it in the custody or control of a Third Party, you may have a claim refused by your insurance company. It is a good idea to investigate the possibility of obtaining locks for your cases etc and making sure that these are used at all times. Remember to keep the keys on you though.
Travel Insurance Policy Quote UK Terms Conditions
A travel insurance policy may vary from insurer to insurer so you should satisfy yourself that the contract you are being offered suits your needs. Point out exactly the purpose of your trip, is it business or pleasure and remember to check if you are carrying out any hazardous activities as defined on the insurers list. Your Travel policy will come in a number of sections, some will be compulsory, some you can choose as extras. In some cases you can exclude sections to obtain a discount. Whatever you decide, it is a good idea to make sure that you have a comprehensive medical expenses section as this is where large claims can arise.
A good travel insurance policy will usually include the following sections; wordings and levels of cover clearly vary from one Travel Insurance company to another. It is worth bearing in mind that the sums insured provided by your Travel Insurance policy will normally be per person insured. So if 4 persons are covered by your Travel Insurance policy then the sum insured for curtailment etc will be 4X the sum stated. Also always read the policy wording whilst cover is provided, there will be terms & conditions, the majority of unpaid claims occur because policyholders do not read or understand the terms & conditions of their policy fully. To give you a rough idea, the main sections are typically:-
Up to £20,000 cover is usually provided by this section if you suffer accidental bodily injury on your holiday or journey and up to £10,000 following death.
Medical & Emergency Expenses
Medical expenses and additional accommodation and travel costs incurred by you (and a relative or friend required to travel or remain with you) as a result of your injury or illness occurring during your trip. This cover is normally up to £10,000,000 and should include repatriation cover.
Additional Hospital Benefit
£15.00 for each complete 24 hours in a hospital abroad & up to £600 in total is a fairly typical sum insured.
Loss of Deposit or Cancellation
Contracted travel & accommodation costs up to usually £3000 if you have to cancel your trip due to a reason specified in your policy. This cover will usually start as soon as you incept cover.
The proportional costs of your trip up to £3000 if you need to curtail your trip and return to the UK due to a reason specified in the policy.
The following amounts are fairly typical
A) £ 30.00 for the first 12 hour period and £15.00 for each subsequent 12 hour period up to £200 in total if your departure is delayed.
B) Contracted travel & accommodation costs if you elect to abandon your trip after 12 hours delay due to a reason specified in the policy up to £3000 each insured person.
Personal Luggage including Money & Valuables
Reimbursement up to £2000 if your personal belongings are stolen lost or damaged is a fairly typical level of cover.
Delayed Personal Luggage
Purchase of essential items up to £100 if your luggage is lost for more than 12 hours on your outward journey.
Cover is not normally provided on the inward part of the journey.
Travel & Accommodation expenses are up to £400 for Europe or £800 worldwide, if you are prevented from reaching the UK departure point due to a reason specified in the policy. These are fairly typical sums insured.
Loss of Passport
Travel & Accommodation expenses, usually up to £500 if your British Passport is lost or stolen during your trip.
Amounts for which you are personally liable due to accidental injury or property damage up to £2,000,000.
Costs incurred to pursue a claim for compensation if you sustain an injury up to £50,000.
Ski Pack Cover
Proportional costs if because of illness you are unable to recover lift pass or hired equipment charges
Up to £15.00 per person per day for ski hire if your own skis are stolen or damaged Maximum amount £250.00 is a fairly typical amount
Typical Holiday Insurance UK Information Required by Lenders & Brokers
In order to quote you a premium for Travel Cover, your insurers will require to know a certain amount of information from you:-
Where you are travelling - This information will affect the price of your Travel Insurance policy, usually insurers divide the world in to 4 or more area, the following are fairly typical:-
United Kingdom, Channel Islands and the Isle of Man
France, Holland, Belgium, Germany, Austria, Italy
Europe including the Republic of Ireland and all countries bordering the Mediterranean Sea, Madeira, Canary Islands and Azores but excluding Syria, Lebanon, Jordan, Libya and Egypt
Worldwide Excluding United States of America, Canada, Bermuda & the Caribbean
Worldwide including United States of America, Canada, Bermuda & the Caribbean.
The Duration of your trip - Policies are available from a few days up to annual contracts. In simple terms the longer you are going for the more expensive the premium will be. The cost of the policy is usually based on the number of persons in the party with children under 2 being covered free of charge and children between 2 and 13 at half price. This will vary from insurer to insurer as will the ability to buy a family policy.
The purpose of your Trip - holiday insurance uk is the cheapest with business travel policies attracting a loading. You should always tell the insurer the purpose of your trip, as most policies will have working exclusions particularly if you will be carrying out manual labour.
Hazardous Activities - Most policies will exclude hazardous activities and a number of people particular those travelling on “ beach” holidays often engage in some form of hazardous activity. In some cases, the insurer will provide you with cover but you may have to pay an additional premium. The following is a list of sports consider by most insurers to be hazardous.
White water Rafting
If you intend to engage in any of the above activities or believe any other pastime may be consider dangerous, always refer to the insurer before you travel.
Pre-Existing Medical Conditions - The bulk of Travel policies have what is known as a pre existing medical condition warranty, in simple terms this means that if you are already suffering from an illness or a condition, you will not receive any cover if the condition requires treatment whilst you are abroad. All medical conditions should be referred to the insurers before you travel. In certain circumstances, your insurers may provide you with cover, particularly if the condition is over 6 months old and is stabilised. A person travelling with stabilised diabetes for example should easily be able to obtain cover. Specialist insurers do exist to cover persons with even the most serious of medical conditions. It is worth remembering that most insurers will not cover you if you are travelling against medical advice or you are travelling to seek medical treatment or a medical opinion. Certain medical, conditions such as pregnancy or HIV cannot be covered. It is also worth remembering that self inflicted conditions or injuries are not covered by your policy. A large number of accidents and illness abroad are alcohol induced, be warned, your insurer may not pay your claim if it occurred whilst under the influence of alcohol.
International Travel Insurance Frequentley Asked Questions
Introduction - The following questions are fairly typical of persons requiring Travel or Holiday Insurance. If you have a specific question about a policy that you intend to buy always ref to the insurance company in question.
What 'destination' should I choose When booking my International Travel Insurance - Most Insurers will divide the world up in to 4 or 5 rating areas, if you are in any doubt as to which area the country you are traveling to falls in to for insurance rating purposes, it is always best to ask the insurer for guidance.
I am worried about the country I am Traveling to. Where can I find further information - You can visit the Foreign and Commonwealth Office website for up-to-date important travel information
What's the maximum length of time I can be covered per trip? - Most insurers offer flexible travel dates to you starting at just a few days all the way to 12 months policies. It is worth remembering that if you buy an annual policy, in all probability, there will be a maximum duration of trip limitation clause. This will usually be 30 days. You can make as many trips per year as you like but insurance will not be provided if any trip is over 30 days. If you intend to stay abroad for longer than this, refer to the insurers and request a policy that has a larger time limit.
Can I extend the period of cover? - Normally speaking if you or anyone travelling with you cannot finish the journey because of death, illness or injury, or there is a delay to the public transport system that cannot be avoided, the insurer will extend your cover for a reasonable amount of time. There is normally no charge for this facility. However, if you are abroad and you just feel like staying longer it is unlikely that you will be able to extend your policy at all.
Are business trips included? - It is possible to cover business trips at similar insurance premiums to standard holiday Insurance. Don’t assume that cover will be automatic though, always refer to the insurance company and tell them exactly what you will be doing particularly if you intend to carry out manual labour. All forms of dangerous work are usually excluded.
Can I purchase cover after I have left the United Kingdom - It is not normally possible to purchase cover once you have left the United Kingdom. Most policies will also cover trips starting and finishing in the United Kingdom so it pays to arrange your cover well before you leave.
What is a pre-existing condition warranty? - Any medical conditions that you are aware of whether diagnosed or not will Usually be excluded from your policy. Most insurers operate a medical; help line and if your condition is stable and controlled they may consider offering you cover, but you must advise them, failure to do so will probably lead to an insurance claim not being paid. Insurers usually also exclude persons wanting to travel for medical; treatment. Certain conditions such as pregnancy or AIDS related illnesses are always excluded. Self inflicted injuries are also excluded from Policies.
What do I do if I am traveling with valuables? - If you are traveling with valuables you should first check the extent of your policy wording. You may find that the sums insured for valuables are quite low. £150.00-£250.00 per item is not unusual. Items above this value can normally be covered under your Home Insurance policy and it is best to check with your insurer as to the scope of the cover. If you have to take valuables abroad with you, it is best to carry them as hand luggage on any aero plane and make use of any safe facilities on offer at your destination
What should I declare to the insurer when booking my Cover - You should declare all material facts to the insurer. Material facts are things that are likely to effect their assessment of your proposal. With regard to Travel Insurance, all medical conditions should be disclosed along with details of any business being carried out. You should also declare any hazardous activity that you intend to take part in. Remember, if you fail to disclose a material fact to an insurer you may invalidate any subsequent claim submitted.
When should I book my Insurance? - It is a good idea to book your travel insurance as soon as you have made your first deposit. The cancellation & curtailment section of the policy will start at this time. The premium however is usually only calculated on the days of Travel so it should not cost you any extra insurance premium. You may find that you are unable to recover your deposits and if you have a policy in force, you may be able to make a claim from the insurance company
I am not a UK National but I live in the United Kingdom, will I be able to buy Travel Insurance - If you are a non Uk National, it may be possible for you to buy Travel Insurance. Normally speaking, most insurers will have wanted you to live in the United Kingdom for a period in excess of 6 months. Always check with each insurer. If you are accepted, your trip will normally have to begin and end in the United Kingdom.
Will my policy cover me against Terrorism? - Usually the answer to this question is a straight no. However some insurance companies particularly under group schemes are prepared to cover you for passive war & terrorism covers. If you are traveling and are worried about Terrorism always refer to the insurance company and ask if they can extend cover for you.
Will the sums insured be total amounts or per person - The sums insured quoted in the schedule of insurance will be per person not the total per trip.
Will I have to pay the first part of any claim? - Basically yes, each section of your policy will have a policy excess. £50.00 is not untypical of Insurance excess
Travel Insurance Online Glossary of Common Industry Terms
Act of God - This term is used to define an event that occurs without human involvement and which could not reasonably have been foreseen or avoided. Basically "Natural causes directly and exclusively without any human intervention and that could not have been prevented by any amount of foresight and pains and care reasonably to have been expected."
Age Limit - Most travel insurance policies will specify maximum age for which insurance cover can be provided. This is usually 65 years of age, It does not mean that it is impossible to obtain cover after this age, far from it, a large number of insurers will continue to provide cover after this age. Sometimes though, it will not be so easy to obtain annual cover, single trips may have to be purchased.
ABTA - Association of British Travel Agents - members provide financial protection for their customers so if your holiday company fails you can continue with your holiday. It is a good idea to make sure that any Travel Agent that you use are ABTA bonded before you part with any money. Also remember, that failure of your Travel Agent is not a peril that will be covered by your insurance policy.
Additional Premium - sometimes, an additional premium may be requested by the insurance company. This is usually because the insurer has calculated that there is an increased chance of a claim.
Annual Multi Trip - This type of policy is a good idea for persons who travel abroad on a regular basis. To see if it is a good idea for you, simply calculate the number of trips you are thinking of making abroad in the next 12 months, obtain a Travel Insurance quotation for the short period times and then compare it to the annual quote. You have to be a little careful with this type of cover as usually, there will be a maximum duration per trip, perhaps 30 days. If you intend to Travel for longer than this amount of time, always check with the insurer.
Backpacker Travel Insurance - a number of insurance companies now offer this type of cover, it is a basic form of insurance contract with lower sums insured aimed at younger persons travelling “light”. It will not be suitable for most people and you should check the insurance policy wording to make sure that the limits are adequate for your needs.
Contract - A legally binding agreement between two parties in which there needs to be both an offer and an acceptance. Insurance is a contract between the insurer and the insured. Your Contract with an Insurance company will be formed when they offer you a policy and you agree to pay the premium. They will then issue you with a policy document.
Contingency - This is a name given by insurers for an undefined peril or event which may be covered by your insurance policy if it is listed in the policy wording. Medical Expenses incurred whilst on Holiday is usually a contingency covered by your insurance policy.
Contribution - The principle of contribution will apply where a risk is insured on more than one insurance policy. An examplw would be a watch lost on holiday, The watch may be covered by both a Travel & a Home Insurance Policy. In this case both insurers will pay towards the loss.
Cover Note - A document giving temporary evidence of cover while the policy and certificate are being prepared. Cover notes are usual in motor insurance where evidence may be required by the police and to obtain road tax.
Holiday Insurance - This type of Insurance ( also known as Travel Insurance can be arranged on either a short term or an annual basis.
The policy will cover certain perils connected with holidays. Usually this includes cover for the costs of cancellation, personal accident, medical treatment abroad and lost or stolen luggage.
Insurance Illustration - A printed example of how much a particular investment may be worth at a date in the future.
Travel - An Insurance policy that covers both holidays and business trips. The risks that are usually covered included; Cancellation & Curtailment, Medical Expenses, Travel Delay, Baggage. Policies can be purchased on a short term or an annual basis
Deductible - this is another term for Excess and you may find it used instead of that term in your policy wording.
Declaration - The declaration is usually found at the end of the insurance proposal form, it usually has to be signed by you either in person or electronically if you have purchased your policy via the Internet. By signing the declaration, you are indicating that certain facts are true and accurate.
Duty of Disclosure - You have a duty to disclose to your insurance company any material fact which would likely affect the insurers assessment of your insurance proposal . Failure to disclose a material fact to an insurance company will almost certainly result in a claim being refused. This does work both ways as the insurance company are not allowed to withhold information from you.
Excess - your policy excess is the portion of the loss that you must pay your self. Most insurance policies have a compulsory excess, sometimes you can elect for a higher amount and receive a discount. If you make a claim for £250.00 and you have an excess of £50.00, you will receive £200.00.
Exclusion - a list of exclusions will be found in your insurance policy and if any are significant or unusual, they should be disclosed to you before you buy your insurance contract.
Exclusions will limit your policy cover, most are fairly standard such as War & Terrorism
Holiday Insurance - Holiday & Travel Insurance are the same thing, some companies use one term some the other. It is given to a policy or group of policies that cover persons whilst they are travelling. Cover can also be provided for persons travelling within the United Kingdom Most insurers follow a standard set of perils which include, Cancellation & Curtailment, Medical Expenses, Baggage, Personal Liability etc.
Indemnity - This is a technical word used by insurers, if you are granted an Indemnity by the insurer, it means that they have agreed to pay your claim under the terms and conditions of your policy wording. The principle of Indemnity is to try to place you in the same position after a claim as you were in before it.
Insurer - A name given to specify your insurance company or underwriter. An insurer has to be authorised and further registered by the Financial Services Authority.
Multi Trip Insurance - This is a term usually given to an annual insurance policy that will cover a number of trips providing each trip is not longer than the specified time. It is usual that each trip will not be in excess of 30 days.
Policy Holder - The person in whose name the policy has been issued. It is usual to issue a Travel Insurance policy in one name then list the other persons travelling on the same trip. Sometimes if you request a quotation for a “ Family” discounts can be obtained
Period of Insurance - This is you period of cover and will usually be specified in days. It will be for the duration of your trip and during this time, if a valid claim occurs, you will be entitled to a payout. If you buy a short term travel insurance policy and for reasons beyond your control, your policy over runs, you may find that your policy will be extended free of charge. Don’t rely on this though, always check your policy wording.
Policy Document - This document is your contract between your self and the insurance company. It will outline all of the events that you are insured for as well as all of the terms & conditions and obligations. It is a Legal Document and should be read as such.. It will also state the premium you have paid or agreed to pay.
Premium - This is the term used for the cost of your insurance cover.
Risk - a term for either the peril for which insurance is provided, or the subject matter of insurance, or the uncertainty of possible loss.
Single Trip Insurance - This is the most popular form of travel insurance. It provides cover for single trips and the premium is calculated on the number of persons travelling, the destination and the number of days travel required.
Ski Insurance - this is not really a Travel Insurance in its own right, it is usually bolted on to a standard insurance package to provide extra covers for persons going skiing. Obviously, the premium will be higher, for one thing, skiing is a fairly high risk activity and the chances of needing medical insurance are increased. Whilst this policy will include many extras, the one thing it will not cover is lack of snow.
Third Party - This is a term given to a person that is trying to make a claim from you. Not normally used a great deal in Travel Insurance but most policies do cover Personal Liability Insurance
Travel Insurance - As above, can also be called Travel Insurance, this type of policy gives cover to person travelling within the United Kingdom and abroad.
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