Travel Insurance

wozmand

Hi

I was looking for a little advice regarding a holiday I havebooked to Thailand. I have booked all flights and accommodation myself directlywith the airline/hotel and I’m due to be travelling in a few weeks however inBangkok there is currently a bit of unrest. If I was to purchase travelinsurance now and the unrest worsens and the Foreign Office advises againsttravelling would I be eligible for a refund?

Cheers
Mark.

Moto2

You'd be better reading the TCs of any policy you were thinking of buying.
For what it generally costs though, I'd be getting it ASAP

peachyprice

You've paid for flights and hotels but haven't got travel insurance yet? Madness. You should have taken out a policy the minute you handed over a penny. But too late for that now.

If the unrest is known about when you take out the policy it's unlikely to be covered as it's a forseen circumstance. You'll need to be phoning insurance companies now to find a policy that will definitley cover you rather than relying on an online quote.

wozmand

Thanks for the info, thinking about it I will have had a valid annual policy at the time of booking it however that has since expired (I wasn't going to renew until a week or so before going again so I could benefit from a full year), not sure if that will assist me at all?

peachyprice

wozmand wrote: »

Thanks for the info, thinking about it I will have had a valid annual policy at the time of booking it however that has since expired (I wasn't going to renew until a week or so before going again so I could benefit from a full year), not sure if that will assist me at all?

It might be worth checking if they will renew retrospectively.

But you've made the same mistake so many do. Your policy would have covered your holiday from the minute you booked it, so if you were unable to travel for something like a broken leg, redundancy, family death, you would have been able to claim everything you have paid so far (less the excess of course) Insurance isn't just for the time you are away, but all the months in between parting with money and arriving home.

Voyager2002

If it's any consolation, I think it highly unlikely that the unrest in Thailand will get bad enough to stop tourism. However, as explained above you need insurance, and need it now.