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May 25 2019

Cheap travel insurance compare the market / Video

#Cheap #travel #insurance: #from #£9

Cheap travel insurance compare the market / Video, REMMONT.COM

Cheap travel insurance compare the market


Cheap Travel Insurance

Annual policy £9, family £27

Many jet off without travel insurance, risking financial loss if you need to cancel, or £1,000s in medical bills. If you’ve booked a trip but not insurance, do it NOW – it can cost as little as £9 for basic no-frills annual cover.

But it’s not just about finding the best price – in this guide we also explain how travel insurance works and what to watch out for when you buy.

Travel insurance best buys

In this guide

Your 9 travel insurance need-to-knows

The aim of travel insurance is to cover the cost of the unforeseen, such as illness and injury or theft of your personal possessions while you are on holiday. It’s also designed to cover you if you have to cancel your trip, or need to return early due to an emergency. But before you buy, here are 9 things you should know.

1. Buy as soon as you’ve booked to cover cancellation and pre-trip illness

If you’ve booked a holiday and think it’s no biggie to leave insurance on the ‘things to do’ list, you’re taking an unnecessary risk.

Thinking you don’t need to arrange cover yet as your holiday’s not for another six months is a big mistake. In fact, it’s even more of a reason to arrange travel insurance, as anything can happen before your trip. Why? It’s because travel insurance won’t just cover you while you’re away, it’ll also cover you for cancellation or anything else that might go wrong BEFORE you make your trip.

Quick Questions

Do I need travel insurance for a ‘Staycation’?

Standard travel insurance covers you in the UK but the cover here is not as powerful as when overseas, though it can still prove useful, so you’ll need to weigh up the pros and cons.

Travel insurance in the UK offers all the usual protections you’d get abroad, such as theft of valuables and cancellation though you normally aren’t covered for hospital treatment but that’s not such an issue given you should be able to use the NHS.

That said, you’ll still need to declare all pre-existing conditions as insurers want to know how likely you are to have to be driven or airlifted home in a medical emergency. problem is not all trips are covered, eg, most insurers only cover you if you’ve booked accommodation.

But there can be other restrictions. For instance, LV* gives cover if you’re more than 25 miles from home or your journey involves a sea crossing. So the message is to check policies carefully as they can vary.

Which is cheaper, a combined or individual policy?

If you are travelling with your partner or your family, you have two options – you can either cover everyone under one policy, or each person takes their own. It’s often cheaper to get a combined policy, but always check first.

If you are travelling with your family, a policy would normally cover your immediate family only, so check exactly who is covered when buying. Even children going on a school trip may be covered automatically on a family policy (as long as they are with a responsible adult).

However, there are times when separate policies will be a better option (so always check, to be safe), including:

  • If one of the travellers is over-65 as the group price you’ll pay is based on the oldest traveller, or the person deemed to be the highest risk, so it’ll usually hike the price for all (see our Over-65s’ Travel Insurance guide for ways to cut the cost).
  • If one of the travellers has a medical condition as it will increase the price for all.
  • If just one of the travellers is going outside Europe, in particular to the US, or on a skiing trip (or even both), it could be better to have separate policies rather than the whole family buying extended cover when it’s not needed.
Should I buy travel insurance from a travel agent or airline?

If you buy travel insurance from a travel agent or airline, be it for a single trip away or an annual policy, you are likely to massively overpay.

This table compares the price of the cheapest no-frills options versus the cheapest options from a selection of travel firms that also meet our minimum cover criteria.

Cheapest no-frills cover vs the travel firms

If you can avoid buying the agent or airline’s insurance and instead check our full best buys below for a cheaper price.

2. Make sure the policy is right for your needs

While choosing a travel insurance policy isn’t rocket science, don’t think you can buy cover without first giving it considerable thought. Policies vary greatly and each has its own inclusions and exclusions.

Before you decide what you are going to buy ask yourself the following questions: Will I be bringing expensive personal belongings? Will I be carrying a relatively large amount of foreign currency? Am I taking part in winter sports? This will help you decide what cover’s right for you.

When choosing a policy you’ll need to choose either an annual policy or cover for a single trip. We list the cheapest no-frills options for both below that meet our minimum cover criteria (but this does not factor in payout record or customer service). Our tool for annual cover also gives you options if you want a more comprehensive policy, which not only meet our minimum criteria but also have a good record on claims, strong customer feedback and a history of paying out in extraordinary situations.

Quick questions:

What’s typically covered under a travel insurance policy?

Every travel insurance policy covers different things but all would offer a varying degree of cover on:

Medical cover
Unforeseen illnesses, injuries or accidents will be covered under the medical section of your policy. This covers the cost of receiving treatment overseas – including dental emergencies in most cases – and repatriation, the cost of having to fly you back to the UK.

On a slightly more morbid note, most policies cover cremation costs or the repatriation of a body should you or someone else covered under the policy die during your holiday.

Cancellation
Travel policies also cover cancellation if you can no longer go on your holiday or you need to come back early. However, there needs to be a valid reason for you to abandon your trip.

Being made redundant, having to do jury service, or having to take care of a seriously ill family member are among the list of valid reasons. But if you decide you no longer fancy a trip to the Canary Islands because you would rather go to the Maldives, or you want to return to the UK because you forgot to put EastEnders on series record, your claim will probably be rejected.

Baggage and personal belongings
Your travel policy will also cover you if your stuff is lost, stolen or damaged while you are on holiday. Almost everything you take overseas, including computers, phones, cameras and expensive clothing is included. Many providers will also cover you for the loss of a passport, cash or a driving licence.

However, policies can vary greatly both in the amount covered and in the excess – the amount you have to pay towards the claim yourself. For example, items such as cash or expensive goods can be subject to an additional higher excess.

Personal liability
Personal liability protects others and their property from accidents you may cause while on holiday. For example, the personal liability element of your insurance would cover you if, during a skiing trip, you crashed into another skier and injured them. Insurers will typically cover you for up to £2m, which is generally more than enough.

Delays
Travel schedules are often the victim of adverse weather, so delay cover is one of the more important aspects of travel insurance. Most policies cover against more than just storms, with many including events such as industrial action and mechanical breakdown.

If your flight’s been delayed for more than three hours or it’s been cancelled you may be able to claim compensation of up to £530 directly from the airline but the reason for the delay or cancellation must be the airline’s fault, so bad weather for example, won’t count.

This compensation is only for EU-regulated flights. An EU flight is where the flight departed from an EU airport, regardless of the airline OR where an EU airline landed at an EU airport. Under this law, EU airports also include those in Iceland, Liechtenstein, Norway and Switzerland. See our Flight Delay Compensation guide for more info.

If this doesn’t apply – perhaps because you flew both from and to an airport outside the EU – you can also try making a claim on your travel insurance policy. Insurers typically pay out for each 12-hour period you’ve been delayed, but the payouts are often tiny compared to what you can get from your airline.

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