Tips on buying travel insurance
Looking to buy travel insurance? Insurewithease has put together a useful list of tips on buying travel insurance that will help you to get the best possible travel insurance for your needs:
- Before buying a travel insurance policy consider how many times you are likely to travel in the year. If you are travelling more than once in a year, it could be easier and even cheaper to take out an annual travel insurance policy.
- You can also save money by declining to purchase the travel insurance offered to you by your travel operator - you may end up paying over the odds and could save money by buying through an online provider such as Insurewithease.
- If you are buying your travel insurance through your travel operator you are unlikely to be covered in the event of the company going bust so it is worth shopping around with 3rd party suppliers.
- Check carefully that the cover on offer with the travel insurance is more than the level you need, as the cover varies from policy to policy.
- You can waive the excess on your policy which means you would need to pay an additional premium when you take out your policy, but then wouldn't pay the excess in the event of a claim.
- Most travel insurance policies have single article limits, so make sure you check what the most valuable item you'll be taking away with you is worth, as well as calculating the total value of all of your items.
- If you're planning to take expensive items away with you, make sure you take a photo of each item and keep it safe with the receipt.
- Make sure that the policy covers all the activities and sports that you might take part in, and likewise when you are on holiday check your policy documents before embarking on any hazardous activity.
- If you are a golfer you should select a policy with golf cover included - if you were to cause an injury to another player you would be liable.
- Cancellation is one of the most popular reasons for claiming against travel insurance policies, so it's important to arrange your travel insurance as soon as you book your holiday.
- If you are taking out an annual policy you must make sure that you set the start date to the date of purchase so that if for whatever reason you have to cancel your trip, you will be covered for the financial losses incurred.
- With Insurewithease's travel insurance products you can select to exclude certain elements such as baggage and money - make sure that you consider such exclusions carefully.
- Report a loss or theft as soon as possible, and obtain a police report. Original documents are required in order to settle your claim so take a photocopy for your own records before posting them off.
- Make sure that you enter the details of any children to be included on your policy. Insurewithease offers free insurance for under 18s if they are included within a parent or guardian's policy.
- Be honest when asked to declare any pre-existing medical conditions. If you were to require treatment as a result of this condition your policy may become invalid.
- Take your policy documentation with you on holiday - it will have details of what to do in an emergency.
For further help and information when travelling, please see our travel advice and medical advice sections.
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If you have any questions please contact us at info@insurewithease.com