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Holiday Insurance

Holiday Insurance Quotes, Affordable Holiday Insurance Directory

UK travel insurance directory listing affordable holiday insurance companies, under multiple keywords, search our website for insurance brokers and insurance companies

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Before You Travel:
Travel Insurance

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Holiday Insurance

Most people and families look forward to their holidays and many go on holiday abroad. But when on holiday or before even getting to your destination, uncertain events can happen and cause financial problems and delays. This is where holiday insurance comes in to protect us from uncertain risks and unfortunate events.

The internet is a good place to start investigating for holiday insurance or commonly referred to as travel insurance. Holiday insurance cab be either annual or for a single trip travel whether in the UK or worldwide. For this type of cover, you could save up to sixty percent online and children under the age of eighteen could get covered free.

There are many insurance comparison sites where you can comfortably compare various holiday insurance cover products and obtain insurance quotes. These comparison insurance sites enable you to obtain instant quotations and cover directly online. There is also cover available for backpackers and those travelling on ski trips. Some policies have children covered at half the premium, cover is also available for weddings and golfing holidays.

When you or your family go on your annual or other holiday, make sure that you take your travel insurance card with you.

Holiday insurance will cover such things as:
• Medical expenses
• Ambulance assistance
• Cancellation of your air travel
• The trip taking longer than planned
• Loss of documents and baggage

Types of travel insurance are:
• Family
• Student
• Adventure
• Business

Lastly, insurance your electronic gadgets and credit cards before you go. Take a first aid box and some emergency medicines. Tell a trusted neighbour or friend or relative to keep a watch on your home.

Holiday Insurance saving Tips for Travel Insurance

  • A no claims discount may save money.
  • Accidental damage cover may not be required in all cases.
  • Also ensure that you are covered for legal expenses.
  • Always contact the Emergency Service and find out what you need to do to protect the way your insurance policy works.
  • Always keep your luggage in sight and tie something to the handles to distinguish it from other peoples’ bags.
  • Annual multi-trip policies are cheaper if you are going on holiday a few times a year.
  • Annual policies are cheaper for regular travellers. If travelling longer than 31 days annually, obtain a 'backpacker' policy.
  • Annual policies may have a maximum of 31 days of cover.
  • Any items damaged at the airport should be reported to the airport representative.
  • Ask the police for an incident report number.
  • Avoid drinking tap water unless it is safe.
  • Avoid obtaining insurance from a high street establishment, look at the internet and comparison sites.
  • Avoid very cold or iced drinks.
  • Best to avoid unnecessary cover.
  • Cancel newspapers.
  • Cancel the milk.
  • Carry some UK currency.
  • Carry travellers cheques/checks in dollars.
  • Check if motoring insurance has been included in your travel policy.
  • Check joint insurance or family insurance includes for travelling individually.
  • Check that all your children are covered and named on the policy.
  • Check that group is covered.
  • Check that the insurance covers for all holiday activities.
  • Check that the policy covers for all your holiday valuables.
  • Check that the policy covers legal expenses and personal liability for damage to property or others.
  • Check that the travel insurance policy includes all the activities and holiday sports you may be carrying out - parachuting, mountain climbing, bungee jumping, micro gliding etc.
  • Check the age of your children and whether they are covered.
    Check the difference between and annual policy and a single policy.
  • Check what is included in your existing home contents policy for taking valuables abroad.
  • Discounts from travel insurance are available for those who exclude valuable or electronic items from their travel policy.
  • Check what is the maximum period you can be out of the country for the insurance.
  • Check when the cancellation cover begins.
  • Check when the cover may start and end.
  • Check whether the cancellation cover is adequate.
  • Check whether you can obtain full compensation if things go wrong.
  • Check with your doctor if you need vaccinations.
  • Cover should be obtained for missed flights, cancellation, delays, passport loss and legal costs.
  • Credit cards insurance may not cover as much as a full holiday insurance policy.
  • Do not accept to carry other people’s luggage.
  • Do not keep all your money in one place.
  • Do not leave anything visible in your car.
  • Do not leave travel insurance as the last thing to do.
  • Do not leave your travelling luggage or valuables where you cannot see them.
  • Do not travel anywhere aboard without insurance.
  • Do not wear expensive jewellery or watches.
  • Drink bottled or boiled water.
  • Ensure that the insurance covers you for the full holiday or period of travel.
  • Ensure that the travel insurance has £1million for Europe and £2m for other destinations.
  • Ensure that there is 24 hours emergency call cover.
  • Ensure that you leave your travel plans with family and friends.
  • Ensure that you observe the local traditions and way of life.
  • Ensure that your report any thefts as soon as possible to the police or the hotel or the holiday agent.
    - Ask the police for an incident report number.
    - Any items damaged at the airport should be reported to the airport representative.
  • Ensure you make copies of your passport and give them to a friend. Always keep additional photocopies of all the passports at home.
  • Get a European Health Insurance Card form the Post Office if travelling in Europe, cover emergency treatment only and does not provide for full treatment.
    European Health Insurance Card criteria:
    - Applies to those who live in the United Kingdom.
    - You need to be 16 or over.
    - Does not apply to those living in the Isle of Man.
    - Provides free or low cost medical care.
    - Check whether you may need full travel insurance as well.
  • Find out everything about making claims before you go on holiday.
    In the case of a claim abroad keep all your receipts.
  • For those going on skiing trips, evacuation insurance is critical.
  • Give your age as older customers may not be able to obtain insurance.
  • Give yourself enough time to read the policy.
  • Group travel policies are more economical.
  • Have a green card to drive in Europe.
  • Have house lights installed which work with a solar cell to activate them during the night and have motion detectors built in.
  • Hide your expensive jewellery while travelling.
  • Holiday cancellation cover is very important - check the working of the refunds.
  • If there is delay of over 12 hours the policy may compensate and make sure that your lost baggage is covered - take notes of items in the baggage and photographs.
  • If you cause damage to a third-party property or otherwise, check that you are covered for personal liability.
  • If you have pre-existing medical condition, HIV / aids tell the insurer.
  • If you are refused your claim:
    - appeal first giving any additional information.
    - as a last resort contact the Financial Ombudsman Service.
  • If your have a claim to make when you get back from your holidays:
    - Read the travel insurance policy.
    - Read the claims procedure.
    - Make a copy of all paperwork.
    - Make a copy of medical certificates.
    - Make a copy of police reports.
    - Make a copy of receipts.
  • In case of a robbery or lost property ensure that you have enough cover.
  • Increasing the voluntary excess may reduce the premium.
  • Internet purchasing may be more economical.
  • Keep photographs of your valuables.
  • Keep receipts of your valuables.
  • Keep your passports, valuable and money with you at all times or hand luggage or in the hotel safe.
  • Leave ten days to receive your European Health Insurance Card and this normally gives free treatment in Europe.
  • Make certain the policy covers what you will be doing on your holiday.
  • Make sure that cover includes for:
    - Theft from roof-racks.
    - Lack of snow.
    - Lack of ski lifts.
    - Against off-piste skiing.
    - Against tobogganing.
  • Make sure that passports and visas are current.
  • Make sure that vaccinations having been carried out by your doctor for your destination.
  • Make sure that you have considered the excess.
  • Make sure the policy has 24-hour assistance and keep the travel insurance documents with you at all times or in a safe place at the hotel.
  • Obtain a few quotations and insure that terrorism cover is included.
  • Once you receive your documents make sure that everything is covered and make certain that you can cancel within 14 days or another similar period.
  • Photograph your valuables and keep a list of all serial numbers and use invisible markers. Keep them on a memory stick or in a secure location on the internet.
  • Policy documents should be copied and put in a safe place in your hand luggage.
  • Read the claims procedure.
  • Read the full travel policy on the internet or paper to get an understanding of the terms of insurance in your own time and
    make notes.
  • Read the travel policy carefully as all travel policies are not the same.
  • Single holiday premiums are more expensive if going on many trips in a year.
  • Small cheaper cars may have smaller insurance premiums when hiring a car abroad.
  • Some money should be carried by means of a money belt and some left in the hotel safe.
  • Take a small first aid kit and some inspect cream/ repellent.
  • Take credit cards and write down the emergency cancellation numbers.
  • Take out insurance for motoring assistance to cover:
    -Car breakdown.
    -Car recovery.
    -Hotel bills.
    -Legal costs.
    -Bringing the car back to the UK.
  • Take plenty of sun cream and hats. Keep a small bottle of freshwater with you at all times.
  • Take small amount of cash.
  • Take travellers cheques.
  • Travel insurance comes in many options:
    - Pre-existing medical conditions travel insurance.
    - Gap year travel insurance.
    - Pensioner travel insurance.
    - Group and family travel insurance.
  • Travel insurance may help with illness, injury, lost baggage, missed flights, trains, ferries etc. The cover should be £1m for Europe and £2m for other countries.
  • What may be an acceptable level of cover:
    - £value lost or stolen cash
    - £value lost or missing baggage
    - £value cancellation due to no fault of your own
    - £value million medical cover in case of sickness and accidents
    - £value million personal liability for damage to third party property
    Ask the travel agent what £value should be and ensure that it covers your needs or your group needs.
  • When you book your holiday ensure that you have travel insurance to cover delays and cancellations.
  • Write down all emergency numbers that you may need.
    Travel insurance is more transparent on the internet and check if you are covered for cancellations, legal liability, lost luggage, personal liability, activity cover and pre-existing and future medical cover.
  • Are you insured to drive abroad.
  • Buy your travel money from your bank and not at the airport.
  • Do not use credit cards for cash withdrawals as interest rates can be high.
  • Get different quotes for different amounts of voluntary excess.
  • Keep all your receipts from purchases when travelling abroad just in case you need to claim.
  • Mobile phone call and text message charges are expensive when
    used abroad.
  • Park you car in a secure place while on holiday.
    Use sterling on an airplane to avoid exchange rate differences.
  • Use of a credit card abroad could work out to be more expensive.

 

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