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10 Tips for Hassle-Free Business Travel
If you're a road warrior, these travel tips will help reduce the stress of your journeys. 1. Choose your Travel Modality Wisely Planes, trains or automobiles: what's the choice to be? While air travel is clearly the only way to go for long...
See the most beautiful places when you travel to Galapagos
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Travel to Turkey for the 2006 Total Solar Eclipse
Wednesday March 29th 2006 will be a very special day in Turkey. Shortly before two o'clock in the afternoon local time an eerie darkness will descend across the land. Birds will begin to roost and streetlights will flicker on as the sun slips behind...
Travelers Logon for Advice Before Booking Travel
Guidebooks and travel magazines are helpful when trying to choose hotels, excursions, or a destination for your next vacation. Travel agents are even better. But what could be less biased and more helpful than no-holds-barred, word-of-mouth...
Traveling ! Be sure to have a valid passport.
Please be sure to have a valid passport when traveling. Check your passport before your trip to be sure your passport is not expired or you need to change your name. Be sure to apply for a visa if you intend to visit a country that requirez one. For...
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Travel Insurance - Do I Really Need To Buy Cover For A Holiday In Britain?
Last week my wife and I booked a seven day holiday in Tobermory
on the wonderful Isle of Mull. All that grand scenery with
brightly painted houses clustered around the harbour. Hands up
who knows Tobermory as Balamory!
You could have knocked me down with a feather when the travel
agent assumed that I wanted travel insurance for an additional
£27.50. Not on your Nellie the Lock Ness monster, I thought. I
can spot a rip off when I see one! Who needs insurance for a
trip to another destination in Britain? The NHS is free and in
an emergency, my daughter could drive up and take us home.
Later in the comfortable setting of my lounge I got to thinking
.......
Holiday disasters don't only happen abroad. So I made a list of
the risks:
One of us could be taken ill before we depart and we'd be forced
to cancel. As the ferries and the hotel were non-cancellable,
we'd lose everything we'd paid.
My parents are getting on. God forbid, but I'd have to cancel
the holiday if something happened to them just before we're due
to go.
My wife or I might be called up for jury service.
There may be a major delay at the ferry. Besides the
inconvenience, we have to arrange an overnight stay in Oban.
Someone might steal our luggage
I've just bought an all singing and dancing camera especially
for the trip. I might lose it.
If either of us were hospitalised we wouldn't want to be stuck
on Mull. We'd want to be transferred to our local hospital in
Cheshire.
Then it struck me that my Home & Contents insurance would
probably cover me for loss of luggage or my camera if I was
travelling in the UK. I dug out the policy. Lucky I checked. I
was only insured for "personal possessions" if the items were
listed and as I'd only bought my camera last
week I hadn't got
round to getting it documented on my policy as a valuable item.
Another point struck me. If I made a holiday related claim on my
Home & Contents policy I'd lose my no claims discount. That
didn't appeal one little bit. I've a ten years claim free record
on my H&C policy and it still cost me £305 a year. I jotted down
a note to self - when that policy comes up for renewal, check
out the Internet to see if I could get it any cheaper.
By now £27.50 for a travel policy was beginning to look
worthwhile.
But you'll realise I'm a bit of an old skin flint - at least my
wife says so! I know, get online and check out whether the
travel agents' policy at £27.50 was competitive.
Not all the sites I visited could offer me single holiday
insurance within the UK but within ten minutes I'd found what I
wanted - a travel policy and a saving of over £10!
Time to read the small print to make sure I truly had the cover
I needed. Great, all the risks I had jotted down were covered.
They'd even pay me £30 if my ferry was delayed for up to 12
hours and then give me the option to cancel my trip and get a
refund.
Now check out the exclusions - what wouldn't they pay for? I
wasn't covered if my holiday was for less than two nights or if
my holiday destination was less than 25 miles from home. I also
had to pay the first £30 of any claim. All seemed fair to me.
The decision was made. Key in my credit card details and CLICK I
was insured. Peace of mind restored!
About the author:
Michael writes for Brokers Online who offer most UK financial
services including t
ravel insurance Travel Insurance Topics
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