Travel Insurance Discussion Area

Steve_xx

I very much doubt it but depending on your policy's wording it may just be possible. The best thing to so is to contact the insurer I guess.

Licinius

I've heard so many horror stories over the years of travel insurance not paying out because the policy holder had been drinking. I'm heading to New York in a few weeks time & want a policy that is actually going to cover me. The last thing I want to be doing is arguing about my policy after some yardie has just shot me for not handing over my wallet.

Who can reccommend a travel insurance policy that will do what it's supposed to do without a fuss?

Steve_xx

Licinius wrote: »

I've heard so many horror stories over the years of travel insurance not paying out because the policy holder had been drinking. I'm heading to New York in a few weeks time & want a policy that is actually going to cover me. The last thing I want to be doing is arguing about my policy after some yardie has just shot me for not handing over my wallet.

Who can reccommend a travel insurance policy that will do what it's supposed to do without a fuss?

I cannot easily think that there is any insurer who will insure you without a "fuss" should you need to make a costly claim. I reckon that the first think insurers do when a claim comes in is to think to themselves how can we avoid paying out for this? There's no such thing as a sympathetic insurer I'm afraid.

ele26

Hi I am new to the whole travel insurance issue and I have couple of questions. I am looking for an annual insurance and I was wondering the cover limits is it per trip or per annual insurance e.g how many time I can claim for lost baggage if they cover up to £500 and I am so unlucky that my suitcase get lost everytime (>more than 7) that I travel would they cover up to £500 each time or that's what I can get for the whole year?
If you get mugged and you are travelling on non-english speaking countries, the police report most likely it won't be on english. would they accept it or ask for a translation?
if I am unlucky and I have to make a claim for every trip either the same type of claim or different would effect future travel insurance costs? Should I chose for what I should be claiming back and skip small claims. Is there a limit on the number of claims or incidents? Would the insurance ask for more proof as it is going along. I will be travelling on non safe Africa country very often and robberies can be a daily thing?

Thanks

Steve_xx

ele26 wrote: »

Hi I am new to the whole travel insurance issue and I have couple of questions. I am looking for an annual insurance and I was wondering the cover limits is it per trip or per annual insurance e.g how many time I can claim for lost baggage if they cover up to £500 and I am so unlucky that my suitcase get lost everytime (>more than 7) that I travel would they cover up to £500 each time or that's what I can get for the whole year?
If you get mugged and you are travelling on non-english speaking countries, the police report most likely it won't be on english. would they accept it or ask for a translation?
if I am unlucky and I have to make a claim for every trip either the same type of claim or different would effect future travel insurance costs? Should I chose for what I should be claiming back and skip small claims. Is there a limit on the number of claims or incidents? Would the insurance ask for more proof as it is going along. I will be travelling on non safe Africa country very often and robberies can be a daily thing?

Thanks

You sound to be particularly unlucky.

However, the £500 cover for baggage will be for each time you travel.

The police report would surely contain your statement, which presumably would be written by you, and in English?

If you have to claim on the insurance for every trip you make it is highly likely that the company insuring you would start to get suspicious and while this would not "effect" your continuing claims it may well affect them.

The insurance company will certainly seek more proof as the claims continue.

Finally, if I was an insurer and you were the proposor, then I definitely would opt not to insure you. Your post sounds to me like you are planning to make many insurance claims. But then I can be cynical.

ele26

I haven't done a police report before, so I assumed that they will complete it on their language for official reasons or at least part of the document will be. Don't they have specific forms to fill in? And I guess in some case it will be done with an interpreter, if it is required. I hope it won´t.
In general until now I didn´t have problems on my trips only once delay baggage and maybe a few delay flights, but I was travelling just a couple of times per year.
Now that I will be travelling much often on unsafe places I start looking for insurances for first time and I try to understand how the whole thing is working and if there is a catch. And if I need to get an insurance with high cover limit. I won´t have huge amount of cash with me probable about £500 or so I don't now yet. but I was thinking if the cover is £500 for a whole year and I' ll be unlucky a couple of times then better to choose a more expensive one with higher coverage. I might just be panicking and overreacting because I haven't travelled much out of Europe and it will be trips in Africa and South America that they aren't considered very safe places

Steve_xx

Well most insurers have a range of policies available. Generally, the more you pay, the higher the amount you can claim from each of the categories. Also, there are the excesses to consider. Often the excesses will outweigh the value of the claim. Paying more for the policy often has the effect of reducing the amount of excess.

ele26

at the momment I am considering the alpha zero and the erv premier (no excess) but the money coverage is only £300, so I might look for something higher as there will be situations that I will need to have more cash with me. I got money belts and hidden pockets but you never know. At least now I know that it is per claim per trip or it can be more than 2 claims per trip?

Steve_xx

ele26 wrote: »

at the momment I am considering the alpha zero and the erv premier (no excess) but the money coverage is only £300, so I might look for something higher as there will be situations that I will need to have more cash with me. I got money belts and hidden pockets but you never know. At least now I know that it is per claim per trip or it can be more than 2 claims per trip?

Yes you could make multiple claims per trip. But regularly claiming will heighten suspicions by the insurer. So you definitely ought not be considering falsifying any claims.

legrass

Hi,
I'm looking for a travel insurance but I have a great doubt. I need travel insurance that covers annual multi-trips, some for business purpose and some for holidays. However, I don't understand whether the purpose of the trip is a distinguishing aspect for the policy. I can see that some offer optional "business cover" to cover the value of additional and costly equipment, but let's say I don't have any equipment to cover, can I travel to e.g., Rome, to attend a conference (hence for business) with a common travel insurance and be covered like I would travel to the same city for pleasure?

Thanks a lot!