Hot Topics
- Can you be refused Travel Insurance?
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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.
- Are there any reasons why I may be unable to claim?
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All claims should be honoured by your Travel Insurance Company providing you have supplied correct information and acted responsibly with your personal belongings. If this is not the case, your policy will be void and you will be unable to claim!
- Does extreme sports insurance cover you for all hazardous activities?
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You are in dangerous territory here. What kind of pursuits you can and can’t get up to will very much depend on your travel insurer’s particular extreme sports cover. If in doubt, look at your policy before you leap!
- Why is there a need for a special backpacker’s travel insurance?
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More and more people are taking off around the world or studying abroad for long periods of time – this has created the need for a special type of insurance, which is commonly known as backpacker travel insurance.
- 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 should you do if you want to complain about your travel insurance?
Firstly, write to your insurance company and if you are still not satisfied contact the financial ombudsman.
If you have a genuine grievance about any aspect of your travel insurance policy, in the first instance you should write to the company which sold you the policy.
You will need to explain exactly what you are complaining about and how you want the insurance company to put the matter right.
If you can’t resolve the problem with the insurance company, your next course of action is to write to the Financial Ombudsman - a government funded arbitration service
which is free to use.
It’s interesting to note that the Ombudsman believes travel insurance policies are extremely complicated and misleading, consequently consumer’s claims tend to be upheld.
What’s more, the insurance company has to abide by the Ombudsman’s ruling whilst consumers don’t. In which case,
you would have to go court, which could prove extremely costly.
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