Unfair to read 25 pages of T & Cs for very important factor

dacouch

foggytown wrote: »

Of course none of the lusciously labouring moneysaving luvvies in here have commented on the obvious: the closer to the holiday start date the insurance inception date is, the less exposure the insurer will have to pre-holiday insured events. So it really doesn't pay an insurer to point this out to a proposer, does it! (Now why wasn't that obvious to our resident whiz-kids? Funny, that!)

Mr G,

There are a few Travel Insurers that do give a discount if a single trip policy is taken out typically within seven days of departure and a few that offer the option to remove cancellation cover for discount which I found useful for a number of my customers eg customers with homes abroad and their only real outlay being Easyjet or Ryan Air flights

UKHCGirl

Thank you for this thread. Like the OP, i generally renew my annual travel insurance to begin around the holiday.

So here is my question. I have annual travel insurance due to be renewed in June. I have already booked a holiday in July, and due to many complaints i have read on here, i am leaving my 6 year loyalty with Insure and Go and going with the post office (fortis insurance) as i have read nothing but good things about them. SO my question is that if i am to fall ill and have to cancel, can i claim with Insure and Go, as i booked the holiday when with them, or do i have to go to the post office?

haha hopefully this will never happen but still!

UKHCGirl

noone? oh

dmg24

UKHCGirl wrote: »

noone? oh

You will have to claim with the person who insures you at the time of falling ill.

Woby_Tide

I'm confused, surely these insurance policies work on the date you are travelling as that is the date they ask you to fill in, but would come into force when you book for the cancellation cover. If it doesn't come into force until the day of travel, why could it include cancellation cover as you can't actually cancel if it only comes into force when you travel?

vikingaero

Woby_Tide wrote: »

I'm confused, surely these insurance policies work on the date you are travelling as that is the date they ask you to fill in, but would come into force when you book for the cancellation cover. If it doesn't come into force until the day of travel, why could it include cancellation cover as you can't actually cancel if it only comes into force when you travel?

You can choose the start date of cover because sometimes people have existing travel insurance and want cover to start when their old policy expires.

SandC

I can understand the confusion because I've only just this year had my first annual policy.

When you buy a single trip policy you state the dates of your holiday and yuo are covered from the day you have phoned up or bought it online. You are then covered for eventualities from that point forward.

When you buy an annual policy you are doing so to cover multiple trips, some of which you may not have booked yet. So the first time you buy it when you are asked when you want the cover to start from the insurer or agent does not need to know any details of holidays or dates - just when your 12 month period needs to begin. Insureandgo do not ask for holiday dates, they ask for start date.

I can kind of understand how it could be a little confusing, but I got my head around it almost instantly.

If you already have annual insurance and you book a trip for after the policy has run out it's simple - you are covered for cancellation under that policy - when that policy runs out and you go elsewhere if something happens then the new policy covers it. So if you book a hol a year in advance so long as you never let annual insurance lapse if you change providers every year you will always be covered.

The OP's colleague should have given it more thought, sorry.