Should you have Travel Insurance for Ireland?

dmg24

bandraoi wrote: »

The excess for most things on a travel insurance policy is likely to be £200 anyway.

Last minute middle of the day and taking the ferry instead are cheaper.

Where do you get your information from? It does appear that you make it up as you go along! :rolleyes:

lisyloo

Why would i need to get insurance for that now, when i do not go until next year?

You, or one of your travel companions could die and not want or be able to go on the trip and you'd want the money back.
You could die any time between the booking and travel, so that's when you need insurance for.
Or you could get sick today and then not be able to go because of the same illness.

Would that not just be a waste of 8 months cover ?

A single trip policy does not cost any more if you buy it in advance but you get extra cover.

The excess for most things on a travel insurance policy is likely to be £200 anyway.

I had some flight cancelled by Easyjet. Excess was £50 each.
Nit sure where this info comes from.

Ems!

poppie123 wrote: »

Ok, so now you have me really confused. I have paid the deposit for my trip next year and no i can't really afford to lose the money. Why would i need to get insurance for that now, when i do not go until next year?
Would that not just be a waste of 8 months cover ?
quote]

There does seem to be a really common misconception (borne out by numerous posts we see on here), that you don't need insurance for a trip until you are actually about to go on it.

If you get your insurance now, and something happens in the meantime that means you can't go ( eg broken bone etc), then you would be covered on your cancellation insurance to get your money back.

poppie123

Can i just ask something that i am not too sure on.

If i was to get an worldwide Annual Policy say today which would obvioulsy cover me for my holiday next year, would it matter that when i actually booked the trip back in August i only had a policy that covered me for Europe?

Ems!

poppie123 wrote: »

Can i just ask something that i am not too sure on.

If i was to get an worldwide Annual Policy say today which would obvioulsy cover me for my holiday next year, would it matter that when i actually booked the trip back in August i only had a policy that covered me for Europe?

No, it wouldn't mater, the only way that you would have a problem would be if the thing that was making you cancel happened beofre you upgraded your polocy to worldwide.

Voyager2002

Ems! wrote: »

No, it wouldn't mater, the only way that you would have a problem would be if the thing that was making you cancel happened beofre you upgraded your polocy to worldwide.

However, an annual policy is unlikely to be cost-effective for you.

Buy single-trip insurance for your journey to Australia as soon as you have paid a deposit for it. As explained above, the cancellation cover could be important and begins as soon as you buy the insurance.

As for the Ireland trip: a single-trip policy would cost very little, and might prove useful. Although personally I don't think I would bother, but then I like living dangerously.

bandraoi

dmg24 wrote: »

Where do you get your information from? It does appear that you make it up as you go along! :rolleyes:

Actually I looked up a cheap travel insurance policy to see what the excess was.
The first one I checked had an excess of £200 per claim. The next one had excesses varying between £100 and £50 per claim. eg insureandgo.com, or direct travel, with direct travel you'd need to go for their platinum policy to get any reduction on the excess, and in that case it's only down to £35.

On the other hand there's a bmi flight for tomorrow evening from Dublin to London Heathrow for £52 all inclusive (according to skyscanner).

Don't get me wrong, travel insurance is a good thing, but I don't believe in giving companies my money for nothing, and in this case, even though it's only £3 - £5 you really are never going to be able to make a claim.

As an aside, I live in Ireland, I've also lived in the UK, I travel between the two countries at least once a month.

dmg24

bandraoi wrote: »

Actually I looked up a cheap travel insurance policy to see what the excess was.
The first one I checked had an excess of £200 per claim. The next one had excesses varying between £100 and £50 per claim. eg insureandgo.com, or direct travel, with direct travel you'd need to go for their platinum policy to get any reduction on the excess, and in that case it's only down to £35.

On the other hand there's a bmi flight for tomorrow evening from Dublin to London Heathrow for £52 all inclusive (according to skyscanner).

Don't get me wrong, travel insurance is a good thing, but I don't believe in giving companies my money for nothing, and in this case, even though it's only £3 - £5 you really are never going to be able to make a claim.

As an aside, I live in Ireland, I've also lived in the UK, I travel between the two countries at least once a month.

So £200 was for one policy that you found, but most varied between £50 and £100.

When somebody needs to get home straightaway, what good is a flight in thirty six hours?

So what you wrote in your earlier post was tripe. Thank you for clarifying.

richardw

Apparently travel insurance excesses vary between type of claim and what for and also per person and per family, per child or infant, so something not to be generalised BUT always double checked to satisfy that the policy fits your travel needs.

photome

The simple answer is. If you have booked a trip next august you should have travel insurance in place now.