Question about travelling with family with your own travel insurance policy?

stickfingeredurchin

My sister is traveling to Ibiza with friends in a few weeks then coming to Lanzarote with my mum,dad and me in October (all adults).
She is buying a years travel insurance for herself which will cover Ibiza but what about Lanzarote?

I have to say that I known nothing about travel insurance but I remember hearing Martin Lewis on the Radio 2 Jeremy Vine show talking about a funny quirk of travel insurance.
I'm sure it wasn't that if you are insured on a group policy that you aren't covered to travel alone later that year
..........but along the lines that if you have a years solo policy you can't travel with a group and be covered and would have to be part of the group policy..

I can't put my finger on what it was but I remember thinking that it was a funny rule .
So if you have a policy for yourself are you covered whatever?
any ideas please,or pointers to what I'm thinking of please?

Thanks.

dacouch

Travel insurers define a "Trip" to be when you leave the UK until when you return to the UK, so your sister would be fine if she has a policy in her own name and the total trip is within her policies Maximum Trip (Insurers normally limit any one trip on an annual multi trip policy to around 31 days).

What you are probably thinking of is on an annual policy they do not always cover the wife or children if they are travelling independently of the policy holiday (If the policy has been issued in the fathers name etc)

Be aware that travel policies normally exclude claims when the policyholder is intoxicated...

She needs to declare any existing medical conditions and any existing medical conditions for any of the other people she is going with and any immediate family whom her trip may depend on eg a grand mother who is staying at home

stickfingeredurchin

Thanks for that.
One point that raised was that whilst she is away with her friends I assume it's every man for himself though as I have a pre existing condition ,manic depression :mad::j:eek:which is mentioned on travel insurance forms (no medication now but hospital stay in the past) would she need to mention this if it could affect the whole party's trip?
Thanks.

dacouch

Everyone travelling with you whether they have seperate insurance or not should declare it to their insurers.

If they do not declare it then each Insurer will exclude any claims which are a "Direct Result" of your conditions. This would apply to medical, cancellation and curtailment sections.

If they declare it their Insurers will say one of the following a) No problem we will offer full cover with no terms or extra premium b) No Cover for claims as a direct result of this condition c) Full cover but we want to charge a bit extra and / or increase the excess for claims as a direct result of the condition d) No extra charge but increase the excess for any claims as a direct result of the medical condition.

I suspect your sisters insurers will say either a) or more likely b). I suspect they will say b as they will want to know lots of questions about your condition that your sister might not know so rather than take a chance they will probably say no. If she knows all of the information then they can make a more informed decision so will possibly give answer a), c) or d)

If she does not declare it they will just not pay any claims as a direct result of your conditions