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Over 25% of travellers continue to leave their homes without any kind of insurance. Considering the types of risks most travellers are faced with, this number is quite surprising. Ultimately, those who go on holiday without travel insurance open themselves up to the risk of future financial trouble.

Why You Need Travel Insurance

Travel insurance gives you protection from a number of different situations which could potentially arise while on holiday. You are insured for the small stuff such as lost luggage all the way up to the catastrophic such as an unexpected medical emergency. Therefore, if you are injured or become ill while abroad, taking out travel insurance means that you can be assured that the damage to your wallet or purse will be minimal.

Make Sure You Get the Right Type of Coverage

When you are in the process of buying travel insurance, always make sure you get the right kind of cover that suits you. If you are planning on participating in extreme sports you need to let us know as we may not be able to cover you for it. If you do not inform us of the type of activities you are planning to partake in, then you risk your policy becoming void and your claim being turned down.

Additionally, if you have any kind of medical condition then your policy may not cover you.  If you are in any doubt, please call us to discuss it need to disclose it as the severity of the condition is quite relevant. If you do not inform us of any prior conditions you risk having your policy invalidated.

Types of Travel Insurance

When you are buying travel insurance, a number of different policies are out there. Some options are:

Annual multi-trip-This covers you to go abroad and covers you in the UK as many times as you like for the length of the policy. This type of policy gives you coverage for the duration of 1 year and allows you to take an unlimited number of trips, for a maximum of 31 days per trip.

Winter sports – If you are planning a ski or boarding holiday, make sure you include our winter sports cover.  It covers you for medical emergencies as well as your equipment (even if it is hired) and a refund of unused ski pass.

Golf – If you’re going away for golf, make sure you buy the extra golf cover.  It extends your normal baggage by £1,500 for your golf equipment as well as covering hired equipment and a refund of your green fees.

Adventure/hazardous/extreme pursuits: Usually, this is for those who are planning to some type of dangerous sport. Please check the terms and conditions of the policy before purchasing to see if you can be covered. If yo are unsure, please call us to check beforehand.

Ultimately, when you are shopping for travel insurance, it is important that you make sure that you are getting the right type of cover. In addition, choose the right policy according to the types of activities you plan on taking part in. As a general rule, never travel without insurance - it could end up costing a lot more if you suffer a loss or have an accident.