After the flight, the hotel and the new wardrobe, the last thing you want to do is overspend on travel insurance from a high street travel agent. A cheaper option is to buy online, and the money saved can go towards your holiday cash ? and when the pound is so weak, every penny counts.
We guide you through the benefits of buying travel insurance online.
Where to buy travel insurance
Travel agents may be the traditional method of obtaining holiday cover, but they might also be the most expensive. You?re more likely to get a cheaper deal by going through an online price comparison site where you can compare a selection of travel cover deals. By heading to the web, you?ll find more choice and you could find the same level of cover offered by a high street travel agent for less cash.
5 benefits of buying online
1. You can give yourself as much time as you want to research the best policy for you.
2. There?s no hard sell by the travel agent
3. It?s more convenient than taking to the high street and battling the queues and crowds.
4. You can compare various quotes in one hit, giving you greater choice.
5. Competitive prices to fit all budgets are simply a mouse click away.
Find out how to Save Money on your Travel Insurance Premium with our Top Tips.
Types of travel insurance
When researching travel insurance, it?s important to find a balance. You want a policy that doesn?t dent the savings but covers your type of holiday.
If you?re planning just one trip in the foreseeable future, take out single trip travel insurance.
If you?re a budget airline enthusiast and can?t resist those bargain breaks, buy a multi-trip travel insurance policy. This covers you for the calendar year and dramatically reduces your travel insurance costs.
Top tip: Read the fine print on a multi-trip policy. Different suppliers have different terms and conditions, including maximum days away, so make sure your travel insurance fits your holiday plans.
What does your travel insurance cover?
If you?re travelling with your entire wardrobe, there?s no point buying a policy which doesn?t cover the loss of your luggage.
The standard cover, which is typically around 300 for a single item and 1,500 in total, may not be enough to cover the loss of your new Gucci sunglasses and matching bag. If you want specific expensive items covered, you may need to upgrade the standard policy.
Top tip: Some specialist travel insurers will allow you to mix n? match a policy to suit your needs.
What not to do with your travel insurance
Don?t lie about your health. Exaggerating the truth? to avoid higher insurance premiums will only work against you should you need to make a claim.
Inform your travel insurer about any pre-existing medical conditions you may have. Otherwise, if a health problem arises while you?re away, you could lose your cover completely.
If you take out an annual policy, you?re obliged to inform the insurer of any changes to your health during the period of the cover, which could affect the details of the policy.
Top tip: The European Health Insurance Card (EHIC) replaced the E111 in 2006. If you use your EHIC to get medical treatment while travelling in the EU, some insurance policies will waive the excess for medical claims. Go to www.dh.gov.uk for more details.
Is your travel insurance provider regulated?
Since January 2009, the Financial Services Authority regulates all travel agents selling insurance, which is good news for you.
If you have any unresolved problems, they can be passed to the Financial Ombudsman Service.
?
Read more about buying travel insurance at http://www.confused.com/travel-insurance
Source: http://redskylegal.net/293/guide-to-buying-travel-insurance-2/
alizee alizee khan academy kate hudson stage transfer deadline transfer deadline
No comments:
Post a Comment
Note: Only a member of this blog may post a comment.