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HOLIDAY INSURANCE It is a wise precaution, although unlike car insurance, it is not a legal requirement. Can you afford to lose your holiday if you get or a member of your family gets sick or injured? For a few pounds only you can have peace of mind! Many tour operators suggest you take out insurance (with them), this is not compulsory and better prices may be obtained through independent companies and agents. If you do go with the tour operator then: a) check to make sure the package (including the insurance) represents good value for money b) the policy offers you a good level of cover ie:
Ensure you get the insurer's consent before rearranging travel lf you plan to try sports activities on holiday that could be considered hazardous, such as scuba diving, a standard policy may not cover you. You may be able to get this added to your insurance. If not, you need to arrange a specialist policy. Do not rely on buying local insurance later. MEDICAL COVER With most insurance policies, you must disclose full details of any illness of a permanent or recurring nature. The insurers may want a doctor's note certifying that you are fit to travel. If you are ill or injured while abroad, keep all doctor's, chemist's and hospital bills to support your claim. Many insurers provide a 24 hour emergency service. Take the number and a copy of the policy with you. If you need other local numbers for Torbay then visit click on our legal and medical buttons above. VALUABLES Take as much care of your possessions as you would if they were uninsured. If you don't, the policy may not pay out. Never leave belongings unattended, particularly at airports, or in an unattended vehicle or on the beach. Keep all valuables, passports and money in your hand baggage when travelling, not with the rest of your luggage. " Make sure you know all that is required of you to make a claim... " Make sure you know all that is required of you to make a claim. If an item is stolen, for example, the policy may require you to contact the police within 24 hours and produce proof of notification to support your claim. Check out your household insurance policy. You may find that some of the valuable items you are taking on holiday are already covered under an 'All Risks' extension. FIVE THINGS TO REMEMBER 1/ Make sure you understand what you are covered for and what you are not 2/ Take as much care with your possessions as you would if you were uninsured 3/ Take the insurers contact details with you and a copy of your policy - always call them for consent if you are booking something which will form part of your claim 4/ Keep bills and receipts to support your claim 5/ Know what's expected of you - if you are claiming for a stolen item, have you notified the police? |
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