New Travel Insurance discussion area

scubbie

Ok thanks -will check it out

YOUNGK

Morning...

Newbie here, just wondering if I can get some advice?

A bit of background, at the beginning of last week (Tuesday) I booked a holiday to Gran Canaria (2 adults). The flights were through Ryan Air and hotel through Hotel beds, so two separate bookings.

As the holiday was booked last minute I have yet to purchase my Travel Insurance. As you can imagine, I am now rather concerned that whatever policy I do purchase will not provide sufficient cover?

Any suggestions welcome.
Thank you in advance...

luci

Insurance is to cover for an unforeseen event. As the volcanic ash is a known event no insurance policy taken out after the event will cover it.

FH_Brit

scubbie wrote: »

Hi don't know if anyone can help with this - my husband is stucik in USA with no personal insurance - went out with a company to a conference who paid for the flights and covered the insurance,etc. - they are now backing out so he's fending for himself - no pre existing medical problems but he would like to have insurance just in case anything happens - have checked the comparison websites which are fine but the small print all says cannot be used if already started a journey - any ideas??

No insurance will cover already happened event - this shouldf be up to his employer (who sent him there)/

FH_Brit

Leigh-Anne_60 wrote: »

Hiya

Believe Nomad insurance will cover trips already started http://www.worldnomads.com

HTH (info originally from Dacouch)

LA

MNaybe trips - but not EVENTS that already happened

FH_Brit

YOUNGK wrote: »

Morning...

Newbie here, just wondering if I can get some advice?

A bit of background, at the beginning of last week (Tuesday) I booked a holiday to Gran Canaria (2 adults). The flights were through Ryan Air and hotel through Hotel beds, so two separate bookings.

As the holiday was booked last minute I have yet to purchase my Travel Insurance. As you can imagine, I am now rather concerned that whatever policy I do purchase will not provide sufficient cover?

Any suggestions welcome.
Thank you in advance...

What do you consider sufficient cover?

You NEED to get insurance AS SOON AS YOU BOOK.

As with the ASH situiation, no IC will cover that particular volcano's erruptions at all as it is a known event. If you had insurance when you booked your holiday and flights and then something like the volcano happens then you are probably (depends on policy) covered. You are not coverd after the event is known. Otherwise we could all travel ins free and only buy it "after the event".

alisonofagun

Hoping I can get some advice...

I have a worldwide annual policy that is due to run out mid-June and have just booked a trip to Las Vegas for the end of August (woo!)

I know I need to get cover for it but I prefer to buy annual rather than individual policies because I usually take between 3-5 holidays each year.

If I buy a new annual policy to start from the date my existing one expires, would that be sufficient cover if for some reason I need to cancel before August?

Or shall I just buy an individual one a.s.a.p. for this trip (I have no plans to travel between June-Aug) and start with a new annual policy for my next jaunt?

Thanks!

FH_Brit

ALISONOFAGUN - Anual would be fine - as long as you have adequate cancellation coverage that you require.

ernie-money

I'm just about to take out an annual policy (family worldwide) and after making sure the level of cover seems decent enough, I'm thinking that the main thing is the excess to give you an idea of whether it's a good policy or not. Am I wrong there? I'm just thinking that if we need to make a claim for whatever reason, then a cheap policy that's got £300 excess for things like lost belongings for instance seems like a waste of time, and I'd rather pay a bit more and only have to pay out like £50 excess. So am I right in thinking that the level of excess payable would give you a bit of an idea of what sort of company you're dealing with, or is there something else to look out for? I'm only asking because I've previously tried to make a claim on travel insurance which was really cheap to take out, but then they had all sorts of exclusions that made it impossible to claim...
Grateful for any advice!

FH_Brit

No - absolutely not.

2 Identical policies one has £50 excess and costs £200 (premium) the other has £500 excess and costs £100 - its a cost cutting measure only to make a policy cheaper.

The ALL IMPORTANT factors is the coverage. You need to get coverage for what you need and want. i.e. do you want volcano coverage, loss of earnings in the event of delay returning, legal coverage, theft, sports gear, etc etc

After you have found your coverage then you can discuss the level of excess to suit your budget/risk assesment.