Choosing Travel Insurance

Choosing Travel Insurance

Travel insurance can provide you with cover for:

• cancelling or cutting short your trip for specific reasons outside your control, for example, the unexpected illness of you, a close family member or a member of your travelling party

• missed transport or delayed departure for reasons outside your control

• medical and other emergency expenses

• personal injury and death

• lost, stolen or damaged personal property, including baggage

• accidental damage or injury you cause to someone else.

You can buy travel insurance to cover a single trip, or an annual policy covering several trips. As most travel policies cover you for cancellation, you should take out insurance when you book your trip. Some package holidays offer to include travel insurance but you do not have to accept this. You are free to make your own arrangements. A travel agent must not charge you more for a package holiday because you do not buy their insurance.

Ask for quotes from several insurers to help you get the best deal for your circumstances. You will need to compare what each policy covers and:

• any exclusions. Some policies exclude dangerous activities or high risk sports such as skiing or scuba diving. If you are going on a holiday involving one of these activities, you may have to pay more for your insurance

• compulsory excesses. This is the amount you have to pay towards the cost of a claim. The amount may vary, depending on the claim

• additional conditions, for example, how long your journey has to be delayed before your insurer will pay you compensation.

And don’t forget to check whether any age limit applies.
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