Travel insurance over 60 days

Running_laps

fidgetbuzz wrote: »

I was not thinking of looking at the past history - I accept that we were not insured because the trip was too long.

I also understand that this is a typical current clause in most ( all?) annual policies.

What i was trying to open up a discussion on - is this a "fair" clause - or is it biased in the insurer's favour, as whenever anybody has a trip of over 60 days - then the insurer has no risk -- and yet and yet -- if I had a 59 day trip returned for 1 day to UK - I could have another 59 day trip etc etc ad infinitum- so insurer could be at risk for 340 days out of 365 - if I keep coming back to Uk for 1 day - but will not be liable at all if my only trip was 61 days

It is a totally fair clause. When an insurer sets premiums they have to consider their exposure. As the large claims tend to be to do with medical costs the way to limit their exposure is to limit the time you are allowed to be out of the country and therefore covered (the longer you're out the country the more likely it is you are going to at some point need medical attention wherever you happen to be). You can either have cheap travel insurance which allows insurers to limit there exposure in this way, or most people can pay a small fortune for their one week holiday to Spain as we don't allow them to limit their exposure so the policies become abused by people who essentially live abroad but buy a UK travel insurance policy as a cheap way of getting medical insurance wherever they happen to be living.

60 days is more than reasonable for the vast majority of people on a annual travel insurance policy, if you want a specialist policy pay for it - don't expect everyone else to subsidise you.

weejonnie

There is an annual policy available - Redwood - which has the option of 93 days a trip - only available up to age 74. As you might expect it is more expensive than annual policies only covering 31 or 61 days.

The alternative would be to take out a single trip travel insurance to cover the trip exceeding 60 days and have an annual policy as well to cover the shorter trips.