New Travel Insurance discussion area

Leigh-Anne_60

Hiya

There is companies out there that will, especially in the circumstances that you describe(where you will find it difficult perhaps is when you have 10 16 yr olds going to Ibiza) . Suggest you speak to the Aunts insurers, see if they will give her single trip cover? In the event of a claim will keep things simple

With regards to children travelling independantly from an Insured adult on a family policy... probably no cover in place... But do check with the individual insurers just in case

LA

SMC_2

Leigh-Anne_60 wrote: »

Hiya

There is companies out there that will, especially in the circumstances that you describe(where you will find it difficult perhaps is when you have 10 16 yr olds going to Ibiza) . Suggest you speak to the Aunts insurers, see if they will give her single trip cover? In the event of a claim will keep things simple

With regards to children travelling independantly from an Insured adult on a family policy... probably no cover in place... But do check with the individual insurers just in case

LA

Thanks LA.

They are not off to Ibiza, they will be going to the US. Do you know which companies will cover a 16 year old alone?

lucid-tentacles

My Lloyds platinum current account card covers me and my partner for 45 days and i am going to india for 70 days. I haven't checked yet but i'm guessing that i'll be stung for the increase. Could i just insure with another company for the last 25 days.

Pontoon

Koru hit the nail on the head. I'm drowning in confusion about what to go for and what not to go for and what i am and am not covered for. Mostly its the fine print which appears to exclude you from doing everything but breath! If there was a standard minimum so you know you're covered without worrying about exclusions!

I plan on visiting family in New zealand, leaving uk 14th Dec returning Jan 2nd. However I am beginning to worry about the fine print more and more as my wee bro lives in Queenstown... adventure capital of the world according to the marketing.
I've been informed by him that I'm obliged to either go bungee jumping or skydiving:eek: ... still not sure i'm doing that one!
Though I suspect seeing as it is summer there that I may get involved with some other "adventure sports" eg. whitewater rafting or such like.

I'm 30, with a clean bill of health only a mild dose of rhinitis occasionally due to a mild dust allergy (does that count as a condition... appologies, I just think some insurance companies are taking the !!!! with the small print!)
Where/how do I get a policy which covers me for the "bog standard" stuff ie baggage, repatriation, medical, etc... which will allow me to do a wee bit of silly stuff. Why do most places have a tick box for winter sports, but not for summer or adventure sports? I've tried doing some of the screenscrapers, but I'm finding that once you investigate the quote by applying... you're prices double and you haven't even got to the point where you can read the fine print to see if you're covered.

Please help.

Ta.

luci

It may be worth looking at www.nationwide.co.uk Their policy used to cover "hazardous activities provided they are not the main purpose of the trip" and so was very generous.

However....... I have had an annual policy with them for years and read the policy every year. I'm sure that last time I read it, almost a year ago, it listed the activities that would be covered, meaning that anything not listed wasn't covered.

Pontoon

Thanks. I'll go look into that.
That is exactly the type of thing I think I'm looking for.
Purpose of trip... to visit my wee bro, side effect is we get bored and there is lots to do round there.
Fingers crossed that I'll get a decent price from them.


... hmmm... £56 for single trip insurance seems a wee bit steep. That was without me doing anything other than fililng in single trip for worldwide. I hadn't mentioned bungee jumping or anything.

Is anyone else finding travel insurance as expensive? I expect to pay about £30 but for that I want to be covered... I'd probably pay as much as £50 after adding adventure sports, but not more. Am I being unreasonable?

Pontoon

I thought others might like to know this. After some investigations I'm getting somewhere, but it is kinda time consuming trawling through lots of policy wordings.

Directline, Insure&go and AA all include bungee jumping and white water rafting (up to level 3) and some other adventure sports as standard.

Skydiving/parachuting and certain other more extreme sports need an additional primium. These tend to be things like Off Piste skiing and hand gliding. While the more holiday style events which folk might want to do on holiday such as water skiing and parascending behind a boat are covered. So it looks like i'm not going to do too badly. I'm now comparing the basic cover, but at the moment AA are winning with a quote of £23.86, but I've a feeling that it is actually closer to £28 as they mention a tax on the page with the quote.

... another bugbear of mine is the added charges, after using a screen scraper which tells you and ace price... but it ends up the same or more after they put all the add ons.

I will try and add any more info once i've done some more trawling. I'll let you know who came out best.

... and why is it backpacker insurance is more likely to mention adventure sports being covered, but then give you naff all actual cover for the rest of the policy???

Pontoon

Okay the winning quote was with travel-insurance-web.com I got it through squaremouth, by narrowing it to include bungee jumping.
and it was the only insurer which catered for this!
The total premium was £24.48 which is sooo much cheaper than I was originally getting quoted. I didn't go for the cheapest as I wanted to keep certain levels of coverage as New Zealand is quite far away and missed or delayed flights could have proved very very costly.

This site also let me add or subtract various activities which made life really easy!

koru

FH_Brit wrote: »

One thing EVERY policy has in common is that if you do not declare a pre-existing condition you are in breach of the agreement and that can mean any totally unrealted injury/illness will not be covered...If you do not disclose, then efectively you are traveling without any insurance.

Sorry, but this is simply incorrect. It depends on the policy wording. In some cases, failure to declare pre-existings means the whole policy does not apply; in other cases, they simply say you are not covered for any claim attributable to the pre-existing.

koru

white_rose_jax wrote: »

We have two holidays booked for the next year, one USA and one Europe, so I decided to have a look for an annual policy which covered all my pre-existing medical conditions. I have been using medi-cover for the past few years but they do not provide annual policies. Having trawled through all the postings on here I gave Cover My Travels a ring. They will not cover me for my Rheumatoid Arthritis because I have regular 6 monthly check-ups. I was told if the check-ups were annual they would cover me. I have just had a look at the Post Office and was surprised to find that inspite of all my medical problems (too numerous to mention) I did not answer `Yes` to any of the 5 questions they asked and I am, therefore, fully covered for an annual policy for £126 for me and my husband. Now I am worried that if I take it out will I be covered as nothing will be mentioned about any of my pre-existing conditions which have normally cost me hundereds of pounds to insure. Does anyone have any experience of claiming for medical expenses from the PO. I think the policy is from Fortis.

I think the Post Office wording is admirably clear. If you are sure the answer to the 5 questions is no, then you are fully covered, end of story.