How can you avoid being over or under insured on your travel policy ?

You really don't want to pay for cover that you don't actually need. Neither do you want to find out when it's too late that you don't have sufficient cover. There's only one way to avoid either of these dilemmas and that's to find out what's covered in the policy before you buy!

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Can you be refused Travel Insurance?
Insurance is all about risk. The greater the risk of an illness, accident, loss or another event occurring, the higher the premium you will be expected to pay for cover. If the Insurance Company decides that the chances of an incident occurring are extremely high, it is not obliged to insure you.
Do you need travel insurance if you are travelling in the UK?
If you are going anywhere in the UK, essentially the only travel insurance that you need is a simple cancellation policy. This means that in the event of any transport or accommodation being cancelled, the policy will cover your costs.
How do you make a claim on your Travel Insurance Policy?
If you need to make a claim, contact the Insurance Company that issued your policy as quickly as possible. You’ll find full details explaining what to do in the booklet that came with your policy. Don’t forget to take the booklet and a note of your policy number with you!
Can you explain more about family travel insurance?
If you are going on a family holiday, you could get a better deal by taking out family travel insurance.
What exclusions on Travel Insurance should you look out for?
In other words, what is NOT covered by your travel insurance ! Never make any assumptions !
Like anything else you buy there can be a big distinction between one company's standard travel insurance policy and another. So to make sure that you are not paying for risks that you won't be taking, you need to check the cover features carefully.

For instance, there's no point paying for a policy that includes ski cover

if you are going to the Caribbean! However, if you are the adventurous type and you might have a go at paragliding while you are there, make sure you are covered for this particular pursuit. Otherwise you run the risk of being under insured without any cover whatsoever, should you be injured in an accident!

Either way, it's a good idea to keep in mind where you are going and what you will be doing in order to get the most appropriate travel insurance.

 

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