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    • herman2811
    • By herman2811 30th Jan 07, 10:48 PM
    • 1,061 Posts
    • 436 Thanks
    herman2811
    • #2
    • 30th Jan 07, 10:48 PM
    • #2
    • 30th Jan 07, 10:48 PM
    No, not at all... just helpful just in case.

    Don't know why Thomson would say it's compulsory.... perhaps they were trying to scam you?!
    • trisontana
    • By trisontana 30th Jan 07, 10:48 PM
    • 8,810 Posts
    • 13,307 Thanks
    trisontana
    • #3
    • 30th Jan 07, 10:48 PM
    • #3
    • 30th Jan 07, 10:48 PM
    No it's not compulsory, but some holiday companies insist you either take out theirs or make your own arrangement. I think the reason for this is that they don't want to be lumbered with somebody on one of their holidays who falls ill or as an accident and who cannot pay for any medical treatment .
    • Hagar_uk
    • By Hagar_uk 30th Jan 07, 11:01 PM
    • 202 Posts
    • 119 Thanks
    Hagar_uk
    • #4
    • 30th Jan 07, 11:01 PM
    • #4
    • 30th Jan 07, 11:01 PM
    It is not compulsory, but highly recommended, if you really don't want to take it out at least get the Europe EHIC card (free) even with insurance you may need this
    • alanrowell
    • By alanrowell 30th Jan 07, 11:05 PM
    • 5,228 Posts
    • 1,991 Thanks
    alanrowell
    • #5
    • 30th Jan 07, 11:05 PM
    • #5
    • 30th Jan 07, 11:05 PM
    Isn't it an offence to say that "their" insurance is compulsory?
  • stacey21
    • #6
    • 30th Jan 07, 11:08 PM
    • #6
    • 30th Jan 07, 11:08 PM
    When I used to work in a travel agents they gave us the scenario that if your bags were stolen or lost and you didn't have insurance then fair enough you may have money to buy your possesions again, its your responsibilty. But if you are mid air and have a heart attack, will you have money for the emergency redirection of the plane? And the delay to all other passengers?
    May be a lot of rubbish but at the time I thought it was a fair enough explanation
    • Amys
    • By Amys 30th Jan 07, 11:12 PM
    • 897 Posts
    • 2,244 Thanks
    Amys
    • #7
    • 30th Jan 07, 11:12 PM
    • #7
    • 30th Jan 07, 11:12 PM
    Its not compulosry and they can't say you have to have theirs, however, you are entering ointo a contract and it is possible that they can put in a term that you have to have *some* insurance, whoever it is with. Afterall, if sonmething happens and you do not have it they arer the ones who will have to help you when you are on location.
  • maryotuam
    • #8
    • 30th Jan 07, 11:25 PM
    • #8
    • 30th Jan 07, 11:25 PM
    I am refused insurance because of a medical condition but I'm sometimes fit enough to go on holiday. Last year a travel company insisted I gave them an insurance reference number. So I bought the cheapest insurance I could get and didn't mention my medical condition. This reference kept the travel company happy.
    It's great to be ALIVE!
    • lisyloo
    • By lisyloo 31st Jan 07, 8:43 AM
    • 20,667 Posts
    • 9,731 Thanks
    lisyloo
    • #9
    • 31st Jan 07, 8:43 AM
    • #9
    • 31st Jan 07, 8:43 AM
    As far as I understand it they cannot force you to take THEIR policy.

    I believe however they can insist that you have A policy.
    If you are taken ill or something happens and you are with a group then it could affect the entire group (or could affect them negative publicity wise if they just dump you).

    Travelling without insurance is crazy IMO as you could be lumbered with BIG bills that could bankrupt you (50,000 for a charter aircraft to repatriate you anyone?).

    So they cannot insist that you take THEIR policy but they can refuse to take you without insurance.

    Easiest solution is simply to get your own which is usually cheaper.
    An annual policy can work out cheapest if you do more than one holiday/trip per year.
    If you give them the details then they rarely give you any hassle.
  • brooney
    Thanks to everyone for their replies.
  • Travel Insurance Guru
    Annoracky I know but under the EU Package Travel Directive a travel organiser (like Tompson) is obligied to offer you a quote for travel insurance at "the earliest availble opportunity", however (importantly) you as the consumer are not obliged to take it

    It has been illegal for travel agents to insist on, or package insurance like this since the Office of Fair Trading ruled against this practice in 1998
    • shown73
    • By shown73 1st Feb 07, 9:31 PM
    • 1,211 Posts
    • 390 Thanks
    shown73
    When I booked a flight with E-Bookers, just before Xmas, I couldn't progress with the booking without ticking the insurance box, tried everything, no go. Needless to say, they have lost one more customer for a short term profit, I won't get caught like that again.
    • trisontana
    • By trisontana 1st Feb 07, 10:26 PM
    • 8,810 Posts
    • 13,307 Thanks
    trisontana
    When I booked a flight with E-Bookers, just before Xmas, I couldn't progress with the booking without ticking the insurance box, tried everything, no go. Needless to say, they have lost one more customer for a short term profit, I won't get caught like that again.
    by shown73
    That's illegal. No travel company can force you to take out their travel insurance. As long as you can prove that you have your own travel insurance in place they should take your booking.
  • Sam Bee
    We make it compulsory to have travel insurance. It's insanity not to have it, especially for the USA & long haul destinations. We don't hard sell ours as it's not worth our while, but will take details of clients travel insurance.

    Been doing this since the Tsunami when a lot of clients lost their travel insurance along with most of their belongings. In another case in India International Medical Rescue called us as they had to provide a helicopter to get someone to hospital immediately, but as the client didn't have our insurance we couldn't advise if they were covered. Client was unconscious and they couldn't provide insurance details. IMR wouldn't fly them without assurances they would be refunded their 20k costs. Not sure what happened :confused:
  • Nobjocki
    Travel insurance is one of the biggest cons of modern life.
    When you think of all the millions of flights/holidays that Brits take every year and how so few of them go wrong you wonder why people bother.
    Yet they're " encouraged " to buy insurance by scare stories and why - because it's making somebody a fat profit.
    Ryanair aggressively market their travel insurance on their website but would you honestly want to buy an insurance policy from a company with their appalling customer relations record.
    I've probably taken 500 flights/holidays in my life and never once taken travel insurance and never once needed it.
    I repeat - travel insurance is a con and if any Government thought it was really necessary,like car insurance, it would have been made compulsury years ago.
  • Sam Bee
    I repeat - travel insurance is a con and if any Government thought it was really necessary,like car insurance, it would have been made compulsury years ago.
    by Nobjocki
    You have an accident in the States and see how your life is ruined when you can't pay the hospital prices.

    I've had to deal with many people (typically motorbike accidents) in Asia who didn;t have insurance, and as per my above post, it can have serious consequences on their future financial life.

    In fact, you miss the point. Ryanair's and several other companies travel insurance is a rip-off, often because you can;t seem to 'opt-out', but it's a no brainer to not have great value travel insurance. In fact, i've go as far to say downright idiotic.
    • trisontana
    • By trisontana 2nd Feb 07, 6:32 PM
    • 8,810 Posts
    • 13,307 Thanks
    trisontana
    The only compulsory car insurance is Third Party. This to insure you against damage to other people's property and cars. You can take this form of insurance out if you are prepared to pay pot thousands of pounds if you damage or write-off your own car.

    This is same as travel insurance. It's all about risk. Don't take any out if you don't want to. But if you fall ill or have an accident abroad then be prepared for a very hefty bill. Do you take the same attitude to something like house or contents insurance? Are you prepared to face a bill of thousands of pounds if your house burns down or you get burgled?
    • lisyloo
    • By lisyloo 2nd Feb 07, 6:39 PM
    • 20,667 Posts
    • 9,731 Thanks
    lisyloo
    The only compulsory car insurance is Third Party.
    I think a lot of mortgage lenders would disagree with that.
    3rd party car insurance may be the only one that is legally required but it is usually a term of your mortgage that you take out buildings insurance (if you don't have a mortgage then it's up to you but you would be left with nothing if your house burns down).

    I personally wouldn't want to be stuck in a foreign jail without legal advice or in a foreign hospital without a translator of the means to get home.
    You could die or be infected with something nasty (like HIV) in a foreign country.

    I don't think this is a con.
    The risk of the worst happening may be small but it's a risk nevertheless.
    • MFewings
    • By MFewings 2nd Feb 07, 6:40 PM
    • 144 Posts
    • 37 Thanks
    MFewings
    Travel insurance is one of the biggest cons of modern life.
    I've probably taken 500 flights/holidays in my life and never once taken travel insurance and never once needed it.
    I repeat - travel insurance is a con and if any Government thought it was really necessary,like car insurance, it would have been made compulsury years ago.
    by Nobjocki
    Shame you feel travel insurance is a con. YOU have been lucky and had no reason to claim but many other people do have accidents or ill health which then leave them with huge bills because they have no insurance.

    Surely the small cost of a yearly travel insurance policy - like insure and go - which covers for the basics but leaves all the extra cover off is worth taking just for peace of mind. Or if not your peace of mind then perhaps that of your family members if you were taken ill abroad and needed the expense of long hospitalisation or air ambulance home.
  • angel
    I've never bothered with travel insurance and never needed it. If it was cheaper I might get it but it seems such a lot of money for such short trips.
    "here, hare, here"
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