| Travel insurance
Travel insurance offers you protection
and cover in case anything goes whilst on your travels. Fortunately
for us, modern travel is considerably safer than it was in
Columbus’s day. However there are still many things
that can and often do go wrong which is why it is advisable
to take out travel insurance.
Before you begin looking for travel
insurance its worth considering that some of your current
policies may cover you for foreign travel. You could check
to if your car insurance covers you for driving in foreign
countries. And find out if your home insurance covers any
of your possessions if you take them on a trip.
The cost of your policy is based on the geographical
area you travel to, the activities you plan to undertake,
the time period you travel for and the amount of cover you
require. However as a general rule, the lower the amount of
cover offered the cheaper the policy. So as well as looking
at the price check that you are happy with the level of cover
offered in each of the following areas.
- Personal belongings
- Cash
- Medical expenses
- Personal accident
- Cancellations and curtailment
- Delays
- Legal expenses
Also be sure to look
at what activities the policy covers you for. If you are planning
on skiing or taking an adventure holiday then make sure you
inform the insurers in order to make sure you are covered
for those activities. It is also worth checking if you are
insured to drive hire cars or your own car and if so what
level of cover they offer. Third party motor insurance might
not be advisable if you are driving on the wrong side of the
road in a foreign country.
The following levels of cover could be used as
relatively safe amount of cover for each area, but this is
only a typical level of cover and not suitable for everyone.
| medical expenses |
£2,000,000 |
| personal liability |
£1,000,000 |
| cancellation |
£3,000 |
| baggage |
£1,500 |
| cash |
£250 |
And it’s worth noting
that the only way to realistic find the cheapest and best
quote is to shop around. Many companies claim to be the cheapest
with the best cover & service but they can’t all
be so make sure you get several quotes. We hope you find the
travel insurance company directory useful whilst hunting for
quotes.
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