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Some Numpty Travel Insurance Questions

doleawg
doleawg Posts: 36 Forumite
Part of the Furniture Combo Breaker
edited 13 May 2017 at 2:47PM in Insurance & life assurance
UK based family travelling to India in the summer. Trying to book travel insurance but getting confused, have had travel insurance for years but mainly bought it to cover medical as we only went skiing and to France.

However as of Monday I will have paid out £3k for flights and £2k for India tour, wiht further £2k nearer time.Taking best advice as I booked flights today looking to book travel insurance.

I am not a big fan of claiming on insurance, it is only there as a safety blanket. So I thought any travel policy would cover me for medical (that does seem standardish in all) and for the cost of my holiday if we couldn't travel due to reason beyond our control, be that personal or war, disease blah, blah....

The cancellation cover is confusing me sorry, I am being asked if I need cover for airspace closure, Travel Disruption Cover, all sorts of stuff as extras and only covering for 2 or 5k, well its costing me minimum £7k. Am I missing something or being stupid and don't get me started on we can't have a family policy as daughter now 18 :(:(

TIA....

Comments

  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    John Lewis Premier does £8k. I just tried a family policy with an 18 year old and it quoted.
  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Post Office do £10k and you can do a 'friends' policy rather than family.
  • doleawg
    doleawg Posts: 36 Forumite
    Part of the Furniture Combo Breaker
    Thanks, jez its not cheap!! PO is £432 gulp....I remember we used to be able to get family insurance for under £100!!
  • takman
    takman Posts: 3,876 Forumite
    1,000 Posts Combo Breaker
    doleawg wrote: »

    I am not a big fan of claiming on insurance, it is only there as a safety blanket. So I thought any travel policy would cover me for medical (that does seem standardish in all) and for the cost of my holiday if we couldn't travel due to reason beyond our control, be that personal or war disease blah, blah....

    It's worth pointing out no insurance provides cover for anything caused by war or terrorism.
  • doleawg
    doleawg Posts: 36 Forumite
    Part of the Furniture Combo Breaker
    takman wrote: »
    It's worth pointing out no insurance provides cover for anything caused by war or terrorism.

    Thanks, beginning to think I just take the cheap(er) option and go for medical cover and whatever cancellation comes with that, spending a fortune on cancellation just doesn't seem worth it?
  • doleawg
    doleawg Posts: 36 Forumite
    Part of the Furniture Combo Breaker
    Just for completion I went with https://www.multitrip.com/ £110. Got a family policy as they accepted 18 as the max age for a child, while others wouldn't accept her as she was 18. The £110 was the premium policy too, with £5k cancellation. Top medical cover which to me is the main part. Thanks for help.
  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    A broker regulated in Ireland and an insurer regulated in Spain.
  • doleawg
    doleawg Posts: 36 Forumite
    Part of the Furniture Combo Breaker
    rs65 wrote: »
    A broker regulated in Ireland and an insurer regulated in Spain.

    and? You saying this is a bad thing, no point being cryptic?
This discussion has been closed.
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