With the UK school summer holidays just around the corner many of us are looking forward to putting our feet up for a few weeks and having a break in the sun with our loved ones. Whether you’re heading abroad or planning to bask in the UK heatwave it is important to remember to plan ahead and get the right travel insurance in place so that you and your family are protected should anything go wrong.
The chances are your holiday will go without a hitch but with 490,000 individuals and families claiming on their travel insurance in 2016 costing £365 million in pay outs*, it’s better to be safe than sorry.
There are many things that could affect your travel plans, from sickness and injuries, lost luggage and last minute cancellations to adverse weather conditions and natural disasters. Don’t be one of the 25% of Brits who travelled without insurance in 2017, take a look at our Travel Insurance Tips below to make sure you’ve got the right cover for your next holiday.
1. Purchase your travel policy straight away
It’s sensible to obtain your travel insurance as soon as you book your holiday. This is because if something happens which prevents you from travelling (for example due to illness, death of a relative or redundancy), you may be able to claim on the policy’s cancellation cover.
2. Buy an annual multi-trip policy
If you’re going to be travelling more than once a year, typically it’s more cost-effective to buy an annual policy.
3. Check you are insured to travel to your destination
Determine whether the policy provides EU or Worldwide cover, and also check specifically which countries your policy will cover you in.
4. Ensure the destination you are travelling to is safe
Click here for travel advice, or alternatively ask MRIB for information.
5. Make sure you have adequate cover and check for any exclusions
Ensure you have adequate cover for the kind of holiday you are going on and the type of activities you are going to be doing. For example, activities such as skiing, scuba diving or quad biking are often excluded from standard insurance policies, so you may need to purchase extended cover.
6. Be honest about medical conditions
Pre-existing medical conditions or health issues may increase premiums or make it harder to obtain insurance, however if you fail to declare these and then need to make a claim, your insurance policy may become invalidated.
7. Apply for a free European Health Insurance Card (EHIC)
Make sure you pack your EHIC (plus a copy of your insurance policy schedule). Read more here about how an EHIC can help.
8. Check for potential age limits
If you are an older traveller, check your policy carefully for any possible age restrictions.
For more information please do not hesitate to contact us:
Tel: 01494 450 011