Hot Topics
- How do you make a claim on your Travel Insurance Policy?
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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!
- What is Form E111 and do you really need it?
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Yes, if you are travelling within the European Economic Area, you should get the Form E111, which entitles most UK residents to free, or reduced- cost emergency medical treatment. However, you will still need appropriate travel insurance for complete peace of mind.
- Do you need special travel insurance for ski-ing holidays?
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At the very least you should top up standard travel insurance with ski cover - but you are probably better off buying a specialist ski or extreme sports travel policy which gives you more extensive cover.
- What should be covered on a standard travel insurance policy?
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Most standard insurance policies provide more than sufficient cover. However, it’s well worth noting the key cover features that should be included in your travel policy. These are as follows:
- Is there such a thing as golf travel insurance?
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Yes, you can get specialist golf travel insurance which is good news for enthusiasts who will know only too well the difficulty of finding suitable cover for golfing holidays.
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 !
UK travel insurance companies impose different exclusions and restrictions on their policies, so you should always read the small print carefully.
One of the most common mistakes the holiday goers makes is to assume that their travel insurance will cover them for exciting pursuits such as paragliding, in fact the majority of standard policies exclude such hazardous activities.
Even specialist travel insurance polices that cover extreme sports impose different limitations. For example, some will allow scuba diving down to 30m in depth whilst others will restrict you to 15m.
We can’t stress enough the importance of checking your policy and making yourself aware of all the exclusions. As a general guideline, you will probably find that the following exclusions apply to most policies.
If you, or anyone accompanying you:
• is not a UK resident
• has a recurring, chronic or terminal illness
• has been refused travel insurance or only allowed restrictive cover
• is the later stages of pregnancy
• is older than a specified age limit
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