home | insurance
| It won't happen to me, you think! Unfortunately things can go wrong for anyone. Things always seem worse when you're in a foreign country where you may be faced with a different language and culture barrier. It's always better to be safe than sorry so make sure you are covered for any eventuality and remember if you don't have adequate insurance cover, your parents may have to sell their home to pay for your bills. Whether you're the adventurous type or just want to get away from it all, make sure you've got the right insurance to cover the type of activity you're planning. Remember, insurance is a lot cheaper than having to fork out on expensive medical bills or to replace your stolen camera! When buying insurance make sure you check the policy carefully as they can vary, you need to know exactly what you are and aren't covered for. Listed below are certain things to consider when looking for an insurance policy: The two most important things to consider when it comes to insurance is to make sure you have adequate medical and repatriation cover. Make sure you're covered for every destination and for the whole of your trip. If you have any current or pre-existing medical conditions, be sure to disclose these to your insurer. If you don't, it could affect your claim. As well as any medical conditions you may have, declare any medical conditions of close relatives, whose failing health might cause you to cancel your trip. Be honest or you may risk invalidating your policy. Get extra cover for any valuable items you are looking at taking with you, such as a digital camera etc. If you're going to be involved in any activities, make sure that these are covered as well. If you're a EU citizen and are travelling within the European Union make sure you fill out an E111 form which will entitle you to free or reduced cost emergency medical treatment. Please note this is NOT a substitute for travel insurance. Other things to consider include: Personal liability for injury or damage to others and their property Cancellation cover if you have to curtail your travels Check the cover for money, tickets and passports etc. Personal accident cover which will pay out on death or permanent disability Also check that you are covered for legal expenses. Other useful hints to remember Either photocopy your insurance policy or keep a copy of your policy details saved in a secure email account. If things do go wrong keep any paperwork, such as receipts, medical bills, police reports, etc If something does goes wrong and you need to make an insurance claim, be aware that your insurance policy could be invalidated if you are deemed to be under the influence of alcohol or drugs. To find out more click here. When you're abroad make sure you keep safe the following information: Name of your insurance company The insurance company's international emergency telephone number. Your policy number If you have any doubts about your insurance cover please check with your insurer before you go! You can now book your travel insurance online through anothertravel.com who have teamed up with columbusdirect.com, one of the leading providers of online travel and holiday insurance. To get a quote simply click columbusdirect.com |
|||
|
|||