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    • HopX
    • By HopX 4th Jul 18, 9:44 PM
    • 15 Posts
    • 74 Thanks
    HopX
    It varies from policy to policy. You need to look at the policy wording. But I would expect you can find one that would include all your family, regardless of their age. And would cover individual travel.
    Originally posted by koru
    Thanks koruna, I'll get searching a bit deeper into the policy offerings.
    • camking
    • By camking 23rd Jul 18, 8:30 PM
    • 2 Posts
    • 1 Thanks
    camking
    Continuity of cover when changing travel insurance provider
    As I tend to travel for my main holiday at the same time each year, my annual insurance is often scheduled to expire whilst I'm away. Therefore, I always do the renewal before leaving as then there is continuity of cover, and all is fine.

    What happens if I want to change insurance provider?

    I know I need to buy the new policy before leaving home, but does it matter that the new policy is coming into effect whilst I am not in the UK?
    • jonesMUFCforever
    • By jonesMUFCforever 24th Jul 18, 10:08 PM
    • 25,661 Posts
    • 12,888 Thanks
    jonesMUFCforever
    As I tend to travel for my main holiday at the same time each year, my annual insurance is often scheduled to expire whilst I'm away. Therefore, I always do the renewal before leaving as then there is continuity of cover, and all is fine.

    What happens if I want to change insurance provider?

    I know I need to buy the new policy before leaving home, but does it matter that the new policy is coming into effect whilst I am not in the UK?
    Originally posted by camking
    I would say be very careful. Better to start the policy the day before you are due to leave the UK may be safer as most policies state that your travel has to start and end in the UK. If your policy starts when you have already left it may trouble ahead.
    What goes around - comes around
    give lots and you will always receive lots
    • Bob!
    • By Bob! 12th Aug 18, 2:46 PM
    • 1 Posts
    • 0 Thanks
    Bob!
    Group Travel Insurance
    I have booked a Holiday for April 2019 to Jamaica for a family group.
    Myself (Age 60 from Feb 2019) and my wife, 56 at time of travel.
    Our eldest son, partner and 3 children.
    Our other son.

    I have paid for the holiday myself with no contribution from our Children.
    Myself & wife have annual insurance that will need renewing before this holiday, my wife has a declarable medical condition of high blood pressure.

    What is the best way to buy insurance for this trip? Should each family group buy seperate insurance, if this is done though is the holiday cost covered even though that group is not actually paying for it?
    • Nome35
    • By Nome35 15th Aug 18, 9:30 AM
    • 1 Posts
    • 0 Thanks
    Nome35
    Hi everyone one! I plan to go and live in Italy for a year, returning to the UK on a regular basis and make trips around Italy too. Will it be ok to take out annual travel insurance to cover me while I am there? Thanks
    • koru
    • By koru 15th Aug 18, 11:38 AM
    • 1,355 Posts
    • 684 Thanks
    koru
    Hi everyone one! I plan to go and live in Italy for a year, returning to the UK on a regular basis and make trips around Italy too. Will it be ok to take out annual travel insurance to cover me while I am there? Thanks
    Originally posted by Nome35
    Most annual policies have a limit on trip length of 30 days or 60 days (measured from leaving UK to returning to UK). Check the policy.
    koru
    • vintner55
    • By vintner55 16th Aug 18, 11:17 AM
    • 72 Posts
    • 59 Thanks
    vintner55
    Hi,

    I've just been looking for single trip insurance for a 2 week caribbean cruise for my 90 year old father. He has high blood pressure and gout and a few other minor things I declared as required as they involved visits to the doctor or hospital.
    I was surprised to get cover from Avios for £125.41 plus £20 to cover his medical conditions. Most other insurers wanted around £600. This is their premier cover and includes medical at 10m and cancellation cover £10,000. There is no extra charged for cruises. The medical screening is more detailed than most and Dad is fit and in good health so perhaps that is why the premium is not so loaded.
    Just wanted to pass it on as very good value for his age and the location and type of holiday.
    • Jim02
    • By Jim02 13th Sep 18, 10:15 AM
    • 140 Posts
    • 14 Thanks
    Jim02
    Hi folks,

    I have a couple of trips away next Spring, sailing in Greece. Some of the costs are a little less formal, ie. I'm paying the money for the place on the boat into the organiser's bank account rather than to a registered company. That's fine as I know the guy and have sailed with him before. But I don't get a receipt for example.

    However if events conspire to make me unable to travel, I'd want to make sure these costs are recovered as well as flight costs etc.

    Can anybody advise on a good insurer for what might be termed an "activity holiday" (everybody is involved in the sailing, it's not just sitting around sipping martinis while others do the work!). And also how I'd go about protecting my unreceipted holiday costs?

    Thanks
    Jim
    • peter_mitchell
    • By peter_mitchell 18th Sep 18, 5:28 PM
    • 1 Posts
    • 0 Thanks
    peter_mitchell
    Insurance that covers internal UK flights before cruise
    Hi everyone,

    I'm looking to buy travel insurance that will cover me for a flight from Edinburgh to Southampton, before joining a cruise in Southampton. I want to make sure that if the flight is delayed or cancelled and I miss the cruise I'll be refunded for both. Does anyone know if this exists, please? Initial enquiries suggest this might not exist.

    Thanks in advance,
    • koru
    • By koru 21st Sep 18, 3:24 PM
    • 1,355 Posts
    • 684 Thanks
    koru
    Hi everyone,

    I'm looking to buy travel insurance that will cover me for a flight from Edinburgh to Southampton, before joining a cruise in Southampton. I want to make sure that if the flight is delayed or cancelled and I miss the cruise I'll be refunded for both. Does anyone know if this exists, please? Initial enquiries suggest this might not exist.

    Thanks in advance,
    Originally posted by peter_mitchell
    I would have thought most policies would cover this. See for instance HolidaySafe policies.
    koru
    • robertoegg
    • By robertoegg 3rd Oct 18, 9:31 AM
    • 77 Posts
    • 15 Thanks
    robertoegg
    I've got a Nationwide Flex Plus. We've just booked a holiday directly with a chalet in Italy. We have consequently booked flights. Now the chalet has come back to us and stated they have got the dates wrong.

    Nationwide can provide no help for this situation and have told me I need to claim from the individual in Italy.

    Is this standard from a Travel Insurance policy?
    • koru
    • By koru 4th Oct 18, 6:14 PM
    • 1,355 Posts
    • 684 Thanks
    koru
    I've got a Nationwide Flex Plus. We've just booked a holiday directly with a chalet in Italy. We have consequently booked flights. Now the chalet has come back to us and stated they have got the dates wrong.

    Nationwide can provide no help for this situation and have told me I need to claim from the individual in Italy.

    Is this standard from a Travel Insurance policy?
    Originally posted by robertoegg
    I can't remember ever seeing a policy that would reimburse you for accommodation refusing to honour the dates they agreed. If you can prove the dates you probably have a right to sue the chalet for compensation, but as this would be in a different country and language it would be very difficult. Probably best to point out that their mistake means you have incurred a loss on rebooking the flights and see if they can be shamed into compensating you.
    koru
    • Joolz14
    • By Joolz14 9th Nov 18, 6:59 PM
    • 1 Posts
    • 0 Thanks
    Joolz14
    Poor service from Allianz for Backpacker insurance
    Hi
    My son and his friend both bought backpacker insurance before going on their gap year. They both came off the back of a moped in Bali back in June. His friend 's claim was dealt with while he has been passed from person to person, department to department each asking for something different or changing the goal posts of what is required. That was back in June 2018 - it is now November 2018!! He has complained but we are still waiting to hear back.

    Although we found the recommendation on MSE - I would definitely NOT recommend Allianz if you want reliable and consistent service - which, let's face it, is exactly what you want from insurance!
    J
    • jackieblack
    • By jackieblack 9th Nov 18, 7:27 PM
    • 8,558 Posts
    • 13,763 Thanks
    jackieblack
    Hi
    My son and his friend both bought backpacker insurance before going on their gap year. They both came off the back of a moped in Bali back in June. His friend 's claim was dealt with while he has been passed from person to person, department to department each asking for something different or changing the goal posts of what is required. That was back in June 2018 - it is now November 2018!! He has complained but we are still waiting to hear back.

    Although we found the recommendation on MSE - I would definitely NOT recommend Allianz if you want reliable and consistent service - which, let's face it, is exactly what you want from insurance!
    J
    Originally posted by Joolz14
    Who was his friend's policy with?
    (A recommendation for good service is as helpful as a warning about poor service )
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    • Volleyer
    • By Volleyer 14th Dec 18, 4:29 PM
    • 3 Posts
    • 0 Thanks
    Volleyer
    Travel insurance for couples - check 2x singles first!
    I've just booked a single trip insurance to USA for me (62) and my wife (who is 68). Now you would have thought that putting both on one policy as a "Couple" would be cheaper. Well we booked with InsuredTotravel (which seem competitive) but saved around £40 by booking as two singles instead of a couple.
    Not sure if this works with other insurance companies but my guess is that they take the most expensive traveller (over 65) and then double the fee when its a couple.
    Thought this might be useful info for others.
    • koru
    • By koru 15th Dec 18, 3:20 PM
    • 1,355 Posts
    • 684 Thanks
    koru
    I've just booked a single trip insurance to USA for me (62) and my wife (who is 68). Now you would have thought that putting both on one policy as a "Couple" would be cheaper. Well we booked with InsuredTotravel (which seem competitive) but saved around £40 by booking as two singles instead of a couple.
    Not sure if this works with other insurance companies but my guess is that they take the most expensive traveller (over 65) and then double the fee when its a couple.
    Thought this might be useful info for others.
    Originally posted by Volleyer
    Interesting! Just check the cover for cancellation and curtailment. If one of you could not travel or had to go home early, the other would want to cancel or curtail as well. Does it cover this, or would it only cover this if you were both on the same policy? If the latter, that might explain the difference in price.
    koru
    • jonesMUFCforever
    • By jonesMUFCforever 16th Dec 18, 5:54 PM
    • 25,661 Posts
    • 12,888 Thanks
    jonesMUFCforever
    I just happen to know that Nationwide is not issue a hardcopy of travel insurance anymore. They just confirm on the phone when you call them. There is not any email confirmation either.

    What happen to the person who need to apply for a tourist visa the travel to a science visa. The embassy will need a confirmation in writing that you have a travel I insurance in place. So for this sort of people how could they prove that they have travel insurance in place?

    If you are a British citizen and need to be hospitalised some hospitals will need evidence that you have a travel insurance in place before they allow you to be treated. You have no evidence to prove that


    Could they legally do that they just inform people when you ask and they do not provide any written or email confirmation? What happen if you are about to make a claim and they say you are not insured?
    Originally posted by pantaiema
    Took me approximately 10 seconds to find a PDF copy off their website - either print this off or keep a copy in an accessible place.
    What goes around - comes around
    give lots and you will always receive lots
    • pantaiema
    • By pantaiema 17th Dec 18, 4:54 PM
    • 118 Posts
    • 36 Thanks
    pantaiema
    Took me approximately 10 seconds to find a PDF copy off their website - either print this off or keep a copy in an accessible place.
    Originally posted by jonesMUFCforever
    Well. Everyone could download the Policy booklet. But what about confirmation to show the third parties such as hospitals that you are covered?

    What about people who need evidence of travel insurance arrangement if they apply for Visa. Could they ask the embassy to call the travel insurance hotline number?

    Also I wonder how many people would buy insurance when you do not get written confirmation that you are covered?
    • jonesMUFCforever
    • By jonesMUFCforever 17th Dec 18, 5:15 PM
    • 25,661 Posts
    • 12,888 Thanks
    jonesMUFCforever
    Well. Everyone could download the Policy booklet. But what about confirmation to show the third parties such as hospitals that you are covered?

    What about people who need evidence of travel insurance arrangement if they apply for Visa. Could they ask the embassy to call the travel insurance hotline number?

    Also I wonder how many people would buy insurance when you do not get written confirmation that you are covered?
    Originally posted by pantaiema
    I have an annual policy with a high street bank - I have never needed to ask for written confirmation of cover.
    My policy number is the sort code and account number.
    I take your point re visas etc and I know mine would give written confirmation of cover as friends asked for this prior to a trip to Cuba.
    What goes around - comes around
    give lots and you will always receive lots
    • antsmusic1
    • By antsmusic1 20th Dec 18, 3:24 PM
    • 28 Posts
    • 12 Thanks
    antsmusic1
    Afternoon MSErs!
    Hubby and I are off round the world for 5 weeks in Feb.
    I canít find a travel insurer who will insure us for all ours flights - all the big ones will only insure flights to/from the UK.
    Can anyone help with this? Iím at my wits end trying to find one!
    Thank you
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