In these uncertain economic times it seems that no company is safe from the spectre of bankruptcy – it can happen to the biggest travel businesses. Your cheap travel insurance may not protect you should your holiday company go bust, so how can you be sure that your break is in safe hands?
A cruise holiday may seem like one of the safest ways to travel. After all, you are on a large, purpose built liner surrounded only by fellow holidaymakers, and it may be tempting to skip on getting cruise travel insurance. But this would be a grave mistake - there is plenty that can go wrong on a cruise holiday, and in some cases (such as medical emergencies) it is no exaggeration to say that cruise insurance can mean the difference between life and death. Here are five reasons to get insured before you go...
For most people, the worst thing that can happen to them on holiday is a missed flight, a stolen wallet, getting sick or having a minor accident. If you’ve been smart and bought some cheap travel insurance, you’ll probably be covered for these commonplace holiday mishaps. But in some countries, travellers face the risk of much more serious disturbances to their holidays. Wars, civil disorder and even terrorism are among the dangers that you may face, and even if you’ve bought travel insurance, it may not be able to help you in these situations.
It’s a nightmare scenario, but one that’s not totally without precedence. Imagine you’re abroad and are responsible for a stranger’s injury, or damage some property by mistake. They may be feeling litigious, and the cost of damages (especially in America) doesn’t come cheap. If you’re smart, you’ll have bought holiday insurance with strong personal liability cover, but even that has its limits.
Increasingly, banks and credit cards are offering a selection of free perks to try and get additional customers. There are all kinds of incentives, but the one I hear most about (for obvious reasons) is the free travel insurance. Although you can argue that I’m something of a biased source, working in the UK travel insurance industry myself, I have heard enough to realise that this ‘free’ cover, while nice in principal is often not worth the paper it’s printed upon!
With a huge number of people admitting to making fraudulent UK travel insurance claims, it's no surprise that there are some hilarious mistakes exposed. The Managing Director of cheap travel insurance company Insuremore recounts some of the more amusing backfirings...
Whether your business trip is long or short, close at hand or a twelve hour flight away, business travel insurance is essential to protect you from unexpected costs or cancellations. Read more about five situations when you will be glad to be insured for your business trip.
With the widespread availability of cheap travel insurance, there is no good reason to risk travelling uninsured. There are plenty of accidents that can befall the unlucky traveller abroad, and if you have insurance, these accidents will likely be minor inconveniences - if you don’t, they could turn into expensive disasters.
Sport and activity holidays are hugely popular nowadays, as people look to practice their skills in a new environment or even learn an entirely new sport as part of their holiday. Many sports and activities, like skydiving and scuba diving, can be much cheaper to do abroad than in the UK. But despite all the dangers associated with extreme sports, insurance for dangerous activities abroad usually isn’t researched as carefully as it should be. Many people assume that their cheap travel insurance covers any and every sport or activity that they may decide to try while on holiday. This is not so – you have to read the small print!
While it would be nice to hear that one cheap holiday insurance package is good for everyone, the truth is that this is far from the case. As travel insurance providers are essentially working out the odds of anything going wrong when working out the price of insurance, it stands to reason that a beach holiday in Blackpool will not carry the same level of risks as backpacking through Africa.
Expert Author: Patrick Chong | Category: Insurance There's a dark side to worldwide travel insurance - the sheer number of fraudulent claims that are made each year. It's notoriously hard to disprove fake claims across most industries, but these 5 insurance scams famously backfired on their creators...
Pre-existing conditions are often a point of confusion to holiday makers looking to purchase global travel insurance. Do they need to declare their asthma, or their heart condition? What about their diabetes that's under control? The managing director of Insuremore explains everything you need to know on the subject...
Expert Author: Patrick Chong | Category: Parenting Child safety abroad has been in the news lately, and there’s a very real paranoia in travelling with kids. Travel insurance for children is a good precaution, but won’t protect against abduction or worse, so what should parents do? What is smothering, and what is too little care? Here are a few tips to help those worried about their kids’ safety in the sun.
It is tempting to turn up at a town and find a place to stay once you arrive, but it does pay to book your accommodation ahead - if your transport is delayed, you could arrive at a new destination in the middle of the night, and the last thing you want is to be running around, looking for a hotel! If you are intending to travel to a place in peak season or during a festival, booking ahead may be essential for you to find anywhere to stay.
Holiday insurance is complicated; I’m not going to deny it. There’s such a huge range of policies across companies and price ranges with such subtle differences that it can be a real struggle to stay on top and know which is for you. The secret here is to carefully read the small print of any policy you want to take out, but even before that stage there are many common misconceptions going around that I hope to put to bed here.
Cheap annual travel insurance is hugely popular amongst UK holiday goers, allowing them to travel when and where they wish without having to worry about booking travel insurance for every single trip. Many people assume that their cheap travel insurance will cover them against every eventuality, but this isn’t the case. There are plenty of exclusions in the average travel insurance document, and one of the most well known but least understood of these is the “acts of God” exclusion.
For many years, travellers from the UK have enjoyed the benefits of cheap travel insurance when they holiday abroad. With worldwide travel insurance available for only a few pounds for a single trip and companies offering fast booking online, getting insured has never been easier or cheaper. However, new government legislation, which may come into effect by the end of the year, could change the way the travel insurance industry operates.
Cruises are no longer the exclusive territory of the wealthy and a whole new demographic are experiencing the joy of cruising. Their popularity has made travellers a lot more wary about their health and safety on board cruise ships, but as long as you're vigilant then there's no cause for concern.
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