Travel Insurance from Insurance Central

  
Travel Insurance from Insurance Central
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   Travel Insurance Information

About Travel Insurance


What is Travel Insurance?

Travel insurance is normally purchased as a combined package of insurance covers which is designed to protect you and/or your family from a variety of events that could occur while you are on holiday.

These events normally include:

  • Financial compensation if your holiday trip is cancelled or curtailed due to circumstances beyond your immediate control
  • A medical emergency and/or repatriation expenses if you are injured or sick
  • Damage or loss to your possessions
  • Theft or loss of money
  • Expenses that are incurred due to a delay in departure
  • Expenses that are incurred by having to replace a lost passport
  • Legal expenses and personal liability insurance cover in the case of an accident where you cause injury or damage to a third party or their property
  • Some compensation if you suffer permanent disability or death while you are on holiday

These areas of insurance cover are subject to special limits and excesses, you will need to read your insurance policy document very carefully to check how much you are covered for and for what. Also you need to find out if any excess would have to be paid in the event of an insurance claim. Some travel insurance policies may be purchased for individual trips or as an annual policy for all trips taken in that particular year of insurance.

Travel insurance can be purchased from insurance brokers, tour operators, banks, building societies, the post office, travel agents, retailers, supermarkets, credit card providers or direct from insurers. Insurance suppliers offer a variety of methods of payment: over the counter, by telephone, post and on the internet.


Exclusions

Insurance claims that arise from ongoing medical conditions that you suffer from before you take out the insurance and insurance claims arising from your participation in hazardous sports or adventure activities such as scuba diving, horse riding, skiing, or cycle touring. You must tell your insurance company if you have any pre-existing medical conditions or if you are planning to participate in any hazardous activities. You must tell them before you travel to confirm whether they will cover you for claims arising from these causes.


Things to Look out for When Buying Travel Insurance?

Do shop around
There is a huge range of insurance products available so it pays to shop around for the best cover and value for money to suit your insurance needs.

What are you going to do?
There has been a steep rise in adventure travel and it is increasingly important to ensure you will be insured for any activities you may participate in during your holiday.

Where are you going to go
It may not be considered safe to travel to certain countries and if you are unsure, check the Foreign and Commonwealth Office website for advice about your destination. If you are travelling to remote areas of under developed countries where medical treatment may not be available, does your travel insurance cover repatriation costs if you are taken ill or seriously injured?

What insurance cover do you have?
Some House Contents insurance policies can provide insurance cover for personal possessions that are taken abroad. If you already have cover for taking personal possessions abroad as part of your contents insurance, you may be able to leave this type of cover from your travel insurance package. Credit card providers may offer some parts of travel insurance, but this type of cover may be limited. You might have to buy some additional cover to provide the equivalent protection as stand-alone travel insurance.

If I need help while on holiday, what happens?
Usually, travel insurance policies include a 24-hour emergency service and a telephone advice line. Take these details with you and a copy of your insurance policy and a note of the telephone number.

Take care
Insurance policies say that you must take care of your possessions at all times. If you do not do this the insurance policy may not pay out. It is best to look after your possessions as though they were not insured.



More Travel Information

Stay Healthy
You will probably need vaccinations to avoid contracting diseases in certain countries. Your doctor or nurse will be able to advise you on what is required. Vaccinations are sometimes given in multiple doses over a period of up to six weeks, it is therefore necessary to arrange this as early as possible to ensure you are adequately protected before your holiday.

The New European Health Insurance Card and the E111 Form
United Kingdom residents are entitled to free, or reduced cost, state provided healthcare when visiting an EU country. But in order to be covered you will need to take a new completed E111 form with you, which you can get from Post Offices free of charge. it is still best to get travel insurance even when travelling to EU countries. Very few countries pay the full cost of medical treatment even under reciprocal health service arrangements. Extra travel and accommodation expenses and repatriation costs are not covered by these reciprocal arrangements and standards of healthcare can also vary considerably between countries. There are still many advantages in the reciprocal agreements and you should travel with an E111. Some insurance companies may waive a medical excess under their policies if you use the Form E111.


Changes to Your Rights to Healthcare in Europe

Recent changes to European law have meant that a new E111 form has been brought in to replace the old one. The difference between these forms is that the new form is now issued on an individual basis. But you will only need to complete one application form in order to receive E111s for you, your spouse/partner and children.

The next major change is that the UK have adopted the European Health Insurance Card (EHIC). This will be issued to those who apply for the new E111 form and tick the box to receive the new card. The new form and the booklet 'Health Advice for Travellers' can be picked up from the Post Office. Forms and more information on the E111 and EHIC are available to download from the Department of Health.

Driving on holiday
If you hire a car or drive your own car when you are on holiday you will need to make sure you have insurance cover.

Foreign & Commonwealth Office
Get proper travel insurance and check out the Foreign & Commonwealth Office website at www.fco.gov.uk/en/travel to find out how best to avoid trouble. This website is packed with useful travel advice and tips and also offers up-to-date country information.


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