Travel Insurance Discussion Area

malc_b

The answer to that is probably, only if the travel insurance company don't find out, depending on the exact wording of their T&Cs. If you don't tell them a material fact then the insurance is null and void.

They have a point. If you are travelling for business and for also for pleasure then it would be expected you would make more trips per year so should pay more for annual insurance. If that works out expensive then look to have annual insurance for holidays and take out separate cover for your one off short business trip.

legrass

malc_b wrote: »

The answer to that is probably, only if the travel insurance company don't find out, depending on the exact wording of their T&Cs. If you don't tell them a material fact then the insurance is null and void.

They have a point. If you are travelling for business and for also for pleasure then it would be expected you would make more trips per year so should pay more for annual insurance. If that works out expensive then look to have annual insurance for holidays and take out separate cover for your one off short business trip.

Thank you, it make sense. What kind of travel insurance should I look for if I want to cover businnes? Is the addtion of "businnes cover" enough? Or there are specialized insurances?

Steve_xx

legrass wrote: »

Thank you, it make sense. What kind of travel insurance should I look for if I want to cover businnes? Is the addtion of "businnes cover" enough? Or there are specialized insurances?

I just looked at Moneysupermarket for a quote and I can see that this policy doesn't cover business, ie under the Business Cover section it says:

Business Cover help Provides cover to replace or pay for an item of business equipment that you have lost or that has been damaged or stolen. Note that there will be many sub components of this so it's best to read the policy documents of the individual insurer.

Therefore it seems that the Business Cover element is related to covering items like laptops and tablets. It seems to to me that all other medical and personal elements of the cover would in fact be valid.

I note that on Moneysupermarket's site that the search definition is for Travel Insurance as opposed to Holiday Insurance.

malc_b

You could look at greatcover.com. I use those, although, as touch wood, I've never had to claim I can't tell you how well they handle claims.

Cover wise they have the features I consider important - a no screen medical list (otherwise you should screen everything, even trivial), and missed departure due to an accident ahead of you on the motorway. The last happened to someone I know who had to rebuy flights to USA because their insurance only cover them for accident on the motorway that happened to them. In practice a motorway accident affects 1000's.

I know they have business cover addition. I think if you don't want business equipment cover then business travel is included as standard but check that.

legrass

Steve_xx wrote: »

I just looked at Moneysupermarket for a quote and I can see that this policy doesn't cover business, ie under the Business Cover section it says:

Business Cover help Provides cover to replace or pay for an item of business equipment that you have lost or that has been damaged or stolen. Note that there will be many sub components of this so it's best to read the policy documents of the individual insurer.

Therefore it seems that the Business Cover element is related to covering items like laptops and tablets. It seems to to me that all other medical and personal elements of the cover would in fact be valid.

I note that on Moneysupermarket's site that the search definition is for Travel Insurance as opposed to Holiday Insurance.

Yes this is what I find almost everywhere, that is business cover is for equipment. However, in the wording the define "trip" as "holiday or journey", which is not clear to me whether includes all types of travelling or not.

legrass

malc_b wrote: »

You could look at greatcover.com. I use those, although, as touch wood, I've never had to claim I can't tell you how well they handle claims.

Cover wise they have the features I consider important - a no screen medical list (otherwise you should screen everything, even trivial), and missed departure due to an accident ahead of you on the motorway. The last happened to someone I know who had to rebuy flights to USA because their insurance only cover them for accident on the motorway that happened to them. In practice a motorway accident affects 1000's.

I know they have business cover addition. I think if you don't want business equipment cover then business travel is included as standard but check that.

thanks. I've checked them, and actually their wording defines "Trip" as "any holiday, business or pleasure trip or journey". Does it means that the others that don't explicitly mention businnes don't cover it? That's a mess!

Steve_xx

The policy I looked at which came up first on Moneysupermarket is with Cover.co.uk and is underwritten by Axa, and it says in the policy detail:

Trip - means any holiday, business or pleasure trip or journey made by you within the area of travel shown in the schedule which begins and ends in your home area or place of business during the period of insurance, but excluding one way trips or journeys.

legrass

Steve_xx wrote: »

The policy I looked at which came up first on Moneysupermarket is with Cover.co.uk and is underwritten by Axa, and it says in the policy detail:

Trip - means any holiday, business or pleasure trip or journey made by you within the area of travel shown in the schedule which begins and ends in your home area or place of business during the period of insurance, but excluding one way trips or journeys.

Great, thanks! This means that for peace of mind I'll look for insurances with this kind of wording

erincham

In light of recent events I am trying to find a travel insurance policy which covers acts of terrorism. I am going on quite a few personal trips next year and would rather pay a bit extra to put myself at ease. The problem is trying to find them. I found a Which guide which shows all the policies which include this but it is so out of date I cannot find a suitable policy. Does anyone know of any good policies?

Steve_xx

That particular policy came in at £13.85 for a years for european cover. Though of course these things might be age dependent and I just put a birth date of sometime in the 1970's I think.