Travelling to USA from Dublin and can't get insurance...

phadge

Anyone tell me of a good (and cheap!) insurance co. I could use? The problem being is that I live in Northern Ireland, I am flying to US from Dublin airport, UK insurance co's have clauses that the trip has to start and end in the UK and Irish insurance co's want me to be resident of the Republic of Ireland!!!

Anyone tell me of any good names I could try that aren't going to be madly expensive?

Thanks!

Voyager2002

Surely your trip begins and ends with your home in Northern Ireland? You are travelling to more than one country, just the same as someone who visits both the USA and Canada.

*MF*

phadge wrote: »

Anyone tell me of a good (and cheap!) insurance co. I could use? The problem being is that I live in Northern Ireland, I am flying to US from Dublin airport, UK insurance co's have clauses that the trip has to start and end in the UK and Irish insurance co's want me to be resident of the Republic of Ireland!!!

Anyone tell me of any good names I could try that aren't going to be madly expensive?

Thanks!

Unless there is a detail missing here - that is not a problem - that is the solution, surely.

You are travelling from Northern Ireland to the US (via Dublin - but you have to get there first - lol, and to do that you leave from NI)

phadge

no, it doesn't count. the airport has to be a uk airport to get uk insurance. most of the irish insurance excludes ni... it's all MADNESS!

*MF*

Hi phadge ... please believe I am trying to unravel what you call madness.

As I understand it you are going to the USA. Your trip involves leaving NI, travelling to Dublin, flying to the USA, and then (presumably) returning the same way, in reverse.

Now if that is correct, we then come to the "madness", ok?

A travel insurance policy is often one of the most complex and long winded documents, so I chose one from a well known Insurer - the Norwich Union, and tried to find the "madness" - namely something which excluded cover along the lines you have suggested, and I couldn't find it - instead I found evidence which to me confirmed what I said earlier. Now I am willing to be wrong (and apologies if I am), but here is what I found:

Firstly some definitions - all extracts:

We will only cover Insured Persons if:

1 Their main Home is in the UK and they are
registered with a UK Doctor.

2 The journey is a round Trip, beginning and
ending in the UK,

Home
Your home address in the UK.

Trip(s)
A holiday or business (clerical or administrative
tasks only) trip outside the UK or a holiday
within the UK, which includes two or more
consecutive nights stay in Pre-booked
Holiday Accommodation.

UK
England, Scotland, Wales and Northern Ireland;
also included in Our UK definition are the
Channel Islands and the Isle of Man.

Now, to me, you fit all of those descriptions, you live in the UK (as defined), your trip starts and finishes in the UK (as defined) - and unless I am missing something I just cannot see that the cover is not available Those extracts are all from the main policy wording which you can double check for yourself, here:

http://www.norwichunion.com/library/pdfs/policy-travel-insurance.pdf

There is also a tel/no for the Norwich Union if you want to phone them and discuss it in detail - here:

0800 051 3606

The bit I think I want to emphasise (and may be the root cause of the answers/madness you have been given so far) is that your trip starts from your home in NI, not from Dublin.

PS: I have no connection with the Norwich Union, nor am I recommending them per se - I just chose them because their web site gave me the details to comment on.

dmg24

How are you getting from NI to Dublin?

*MF*

dmg24 wrote: »

How are you getting from NI to Dublin?

Don't think that matters - what matters is that his trip starts from the UK and eventually finishes back in the UK.

Bonaventure_babes

Hi Phadge...i have done this journey and although i found and booked the trip online myself i went onto carefree travel website(which is a travel agent) and booked my insurance there(with a group called blue insurances)

phadge

*MF* wrote: »

Hi phadge ... please believe I am trying to unravel what you call madness.

As I understand it you are going to the USA. Your trip involves leaving NI, travelling to Dublin, flying to the USA, and then (presumably) returning the same way, in reverse.

Now if that is correct, we then come to the "madness", ok?

A travel insurance policy is often one of the most complex and long winded documents, so I chose one from a well known Insurer - the Norwich Union, and tried to find the "madness" - namely something which excluded cover along the lines you have suggested, and I couldn't find it - instead I found evidence which to me confirmed what I said earlier. Now I am willing to be wrong (and apologies if I am), but here is what I found:

Firstly some definitions - all extracts:

We will only cover Insured Persons if:

1 Their main Home is in the UK and they are
registered with a UK Doctor.

2 The journey is a round Trip, beginning and
ending in the UK,

Home
Your home address in the UK.

Trip(s)
A holiday or business (clerical or administrative
tasks only) trip outside the UK or a holiday
within the UK, which includes two or more
consecutive nights stay in Pre-booked
Holiday Accommodation.

UK
England, Scotland, Wales and Northern Ireland;
also included in Our UK definition are the
Channel Islands and the Isle of Man.

Now, to me, you fit all of those descriptions, you live in the UK (as defined), your trip starts and finishes in the UK (as defined) - and unless I am missing something I just cannot see that the cover is not available Those extracts are all from the main policy wording which you can double check for yourself, here:

http://www.norwichunion.com/library/pdfs/policy-travel-insurance.pdf

There is also a tel/no for the Norwich Union if you want to phone them and discuss it in detail - here:

0800 051 3606

The bit I think I want to emphasise (and may be the root cause of the answers/madness you have been given so far) is that your trip starts from your home in NI, not from Dublin.

PS: I have no connection with the Norwich Union, nor am I recommending them per se - I just chose them because their web site gave me the details to comment on.

*MF*, thanks for this reply. I am of the same thinking as yourself in that I think my return journey does actually start and end at my home address (UK). I am worried about buying in case this is the reason that I would not be covered.

How confusing!!

*MF*

phadge wrote: »

*MF*, thanks for this reply. I am of the same thinking as yourself in that I think my return journey does actually start and end at my home address (UK). I am worried about buying in case this is the reason that I would not be covered.

How confusing!!

phadge ,,, I am being deadly serious and part humourous, but to make a point,ok?

If I was to ask you what door you would first be seen walking out of with a suitcase in your hand all ready to go to the USA - which door would that be?

Your home door in NI or the one at Dublin airport?

If I am right and it is your door n NI - then that is where your trip starts!!! It is in your house that you will pack that suitcase and it is in your house that you will unpack the suitcase, and that for me is the decider..

Don't think or believe anything different and don't tell anyone anything different, pleeeeease, lol.

Hey, btw - enjoy your holiday!!!