Travel insurance policy overlap?? advice needed please!

charlytune

Hi,

I took out an annual travel policy last year for me & the boyf, as we needed indepndent travel cover for our two trips and it worked out cheapest.

The policy runs out on 06 July

We've now gone and booked a holiday for 30 june to 07 July...

Does anyone have any advice for how I cover the last day? Should I just take a days cover? Or shoudl I overlap it? Should I just take out a new policy to cover the howl holiday even though most of it is already covered? I am concnerd that by having 2 different policies that we may have trouble if we needed to claim anything, I don't want to get stuck between 2 insurance companies arguing about who shoould pay out!

Any advice would really by gratefully appreciated

Charlytune

Incapuppy

Speak to your current insurers and see what their advice is; some insurers are unwilling or unable to 'part-insure' if cover overlaps.

Hope your 'howl' holiday is as raucous as it sounds!

wdw2003

As I said on another thread today, I was told by Direct-Travel Insurance yesterday that you can't simply buy a stand-alone policy to tack on to the end of a completed one if you're on holiday at that time, as each policy has to start and finish in the UK. At best, your second policy would not be valid and they might try to wriggle out of your first one as well. I suspect your options are:

1) to either buy a new annual policy with the existing insurer, who might give you a discount for a continuation, but confirm that it's valid in your circumstances;

2) extend the existing policy by one day by phoning your insurers;

3) buy a new stand-alone single trip policy starting 30 June;

4) buy an annual policy starting on 30 June.

Whatever works out cheapest for you, but take into account any trips you might take in the next 12 months.

charlytune

Yes I really should spell-check, I'm not holidaying with a pack of wolves! :doh:

I suspected it wouldn't be straightforward, and I don't trust insurers! I will see if my annual policy insurer will extend by a day, and if they won't do it (or its ridiculously expensive) consider my options I guess