Archive for January, 2009

These smoking hot travel tips could save your bacon!

Sunday, January 25th, 2009

Holidaymakers will be stretching their nets wide in this coming year as people seek vacation spots offering better value for money. But will we be biting off more than we can chew? According to the article “Brits risk travel trauma in 2009!” before setting off, we would be well advised to research our destinations to avoid potential pitfalls.

We need to know what is considered acceptable behaviour in an unfamiliar foreign country and most importantly seek out comprehensive travel insurance that will not let you down in the event of something going wrong abroad. If in doubt about your holiday to an unfamiliar country, get in touch with the Foreign Office for information.

Driving in Turkey can be pretty hazardous, make sure your insurance policy and driving credentials are adequate for this location. In Turkey, make sure you always carry some for of photographic ID because if you don’t questions will be asked and you could find your accommodation for the night a lot less uncomfortable than the en-suite double that you’d booked! Similarly, do not deface Turkish money or be rude about the Turkish nation or flag or you could find yourself in deep water! Additionally, check the Turkish dress code to avoid getting dirty looks from the locals, which could put something of a dampener on holiday mood.

Many British holidaymakers will be visiting Dubai for the first time this year, according to Foreign Office and ABTA predictions. Beware you are about to enter very different very strict territory from that which we know in Britain. A good plan would be to pay maximum due care and attention to as much research as you can muster before entering the United Arab Emirates. Beware loving couples your public displays of affection could get you arrested in Dubai. Even kissing in a public place could get you arrested. Alternatively, if you are not married and your pregnant girlfriend is rushed into labour while on holiday in Dubai, you could encounter serious problems with the law, as sex outside of wedlock is illegal. If taking medication for a condition or illness, it could be scrutinized by the authorities and ascertained as illegal. Dubai does not have the same idea concerning what constitutes a controlled drug. Watch out, your medication could lead you into a jail cell for a minimum of four years!

On the subject of appropriate clothing, Egypt is similarly strict about covering up the ladies. Make sure your arms are covered and so too are your legs especially when wandering the souks and especially in the mosques!

Look into the matter of obtaining a Visa when visiting Egypt. In the main part, you will be required to obtain one, although visiting the holiday resort cities of Sharm el-Sheikh, Taba, Dahab and Nuweiba you ought not to require a Visa unless you plan to stay in excess of 14 days.

Driving in Egypt is not for the weak of disposition presenting many hazards and a constant stream of accidents. The roads are shabby on the whole and people tend to be racing about whether they are properly qualified or not! Ensure you wear a seatbelt at all times and if driving, make sure you have suitable insurance and that all paperwork is tip-top to be on the safe side!

Many people will be visiting Cuba for the first time this year. If you are one of the lucky ones, remember Cuba does not accept any American travellers cheques and credit cards such as American Express. Be warned that any electrical item with a high power usage can be taken off you at the airport. Leave travel irons and kettles at home if you don’t want to risk losing them. Additionally, don’t try to take fruit or meat into the country as Cuba prohibits the import of these products.

While in Cuba, you’ll have no use for your American Express cards, Mexico welcomes it with open arms! If travelling to Mexico for the summer holidays this year you will find you can exchange American dollars and cheques more easily than UK pounds sterling. In Mexico, people speak Spanish and outside of the big cities you will need to have a phrase book to hand to get by. Take this opportunity to learn the language!

The import of meat and all dairy product is banned in Mexico, so do not try to bring any into the country. With malaria being rife in Mexico, ensure you have your vaccinations organised well before you set off.

If a holiday in Poland is what you have in store for your family this year, take care that you cross the roads at a crossing or you will be fined. Jay walking here is illegal and drunkenness could buy you a night in a police cell! Another main consideration when visiting Poland is to watch out for theft. The railway stations have high incidences of this crime so take precautions against this particularly if you are on a sleeper train.

When visiting Croatia, ensure you have your passport on you at all times for this is the only form of recognised identity. One last point, if chartering a yacht or sailing a boat, lay of the alcohol as being in charge of a boat under the influence of drink carries a serious penalty. You have been warned holidays abroad are not all fun and flippancy. When you are abroad just do your research and respect the country’s rules and you won’t go far wrong! Happy holidays!

Read on! This could happen to you too!

Sunday, January 25th, 2009

Thank goodness for travel insurance! This is normally what we say when something goes wrong while travelling but in this case, travel insurance cannot provide any compensation to one family. It looks very unlikely that a refund for the full cost of the holiday (£3,000) will ever be provided for a skiing trip to Switzerland, that never even got off the ground, according to the article “Family’s dream holiday hits the skids”.

Isle of Man resident John Middlemas, his partner and daughter travelled to Ronaldsway Airport to set off for a well deserved holiday on the snowy slopes of Zermatt to be told he could travel but not his Colombian partner and daughter. They were told they would require a Visa according to recent changes in the European Union tourist red tape.

This came as a huge surprise to John Middlemas as he had checked with the airline before he’d set off that all was in order and as it should be. Unbeknown to John, changes had been made to these rulings, after he’d checked within eight days of their holiday. Overall the changeover of Visa regulations was insufficient with fifteen days notice. John did nothing wrong but will find himself out of pocket due to an irresponsible and inefficient changeover.

Unfortunately John’s insurance did not cover visa difficulties and his only hope now is for compensation from the Swiss Embassy.

Don’t let this happen to you!

Planning a holiday in 2009?

Sunday, January 25th, 2009

According to the recent article “Brits to visit Turkey, Egypt and Mexico in 2009”, people planning to go on holiday this year will most likely stick to these three specific destinations.

The article goes on to state that according to a recent ABTA and Foreign and Commonwealth Office report, there will be several noticeable trends and differences in British holiday planning this year including change of popular holiday destinations. Due to the current weak pound, holidaymakers are going to be browsing through non-Euro currency destinations.

In a brand new collaboration, ABTA and the FCO have decided to review trends in travel across the year and are able to predict we’ll be heading off for the shores of Egypt, Mexico and Turkey in greater numbers than ever before. From this point of view, we are warned to heed Foreign Office travel advice concerning these less popular holiday destinations such as vaccination recommendations and adequate travel insurance.

Predictions for 2009 include that top holiday destinations for British holidaymakers will include, St Lucia, Cuba, Dominican Republic, Dubai, Australia, Croatia, Israel, Egypt, Turkey and Mexico.

Cheap and last minute deals on holidays will be restricted according to the forecast although all-inclusive holidays will continue to be a popular choice. With 35% of the British public concerned about holiday firms going bust, more people will ensure they book their holiday with a company who is ATOL registered.

Couples thinking of getting married abroad will continue to rise in their numbers. Popular exotic locations for the ’big day’ will continue to include Kenya, Costa Rica and Sri Lanka.

Holidays at home will become more popular this coming year than previously and people will look toward enjoying family holidays more than ever to keep costs low. Camping holidays home and abroad will increase for the same reason of keeping holiday expenses to a minimum. The Foreign Office do warn however, this mindset will lead to potential holiday nightmares tempting holidaymakers into keeping costs down further by neglecting to purchase much needed travel insurance.

Overall, the trend is for British holidaymakers to spread the net further a-field and travel outside of Europe. Let us hope that we do our research before we go for travel to destinations outside of our normal comfort zones in addition to being exciting can too be fraught with a wealth of unexpected hazards!

Look out there’s a Bag Snatcher about!

Sunday, January 25th, 2009

Good news for bag snatchers but bad news for all bag owners, is that we each carry an average of seven hundred pounds worth of contents. Thanks to this new age of gadgets and designer labels we are increasingly at risk of losing valuable belongings that we carry around in our bags on a daily basis. According to the article “Bag snatchers target one in ten” as a nation, we carry around twenty five billion pounds of personal belongings day to day.

The study, carried out by the insurance company ‘More Than’, paints a shocking picture and highlights the fact that our valuable belongings are at considerable risk from theft the moment we leave home.

Twenty four per cent of us claim to lose a possession or have something stolen from our bags while out shopping in the high street. Not only are one in ten of us likely to have our bags stolen while out seventy seven per cent of us do not have adequate protection insurance for these lost belongings.

The most valuable items that our bags largely contain are electrical gadgets and or including cash and credit cards. Ninety two per cent of women claim their bags are where they keep their money (while men like to feel their money is safe in their trouser pockets).

Geographically speaking, your bag is the least safe on the London high streets as eighteen per cent have had a bag snatched. Wales is where your bag is less at risk with six per cent of this crime happening to them.

With bag snatching on the increase (and not only for the contents but for the bag itself at an average cost of £87) the time has come for people to look into adequate possessions insurance cover to protect against the loss, damage or theft of our bags.

‘Last chance saloon’ for our pooches?

Sunday, January 25th, 2009

We are proud to call ourselves a nation of animal lovers with millions of us enjoying the company of a pet cat or dog. According to the article “Pets are for life!” we may not be able to hang onto them for much longer thanks to the purse tightening horrors of the credit crunch!

Things about us are a-changing as we cancel the annual holiday abroad, begun to tackle our inadequate culinary skills by eating in instead of out so could it mean curtains for our cats and dogs too?

Step into any UK home and where there is a dog or cat in the corner, witness it trembling with fear as to its uncertain future. People struggling to pay the bills during this crisis, according to some animal charities, are giving their animals a long hard look in an effort to find additional ways to cut costs. Disturbing news from the Blue Cross animal charity, is that they have been experiencing an increase of 56% as penny-pinching people are forced to give up their pets.

It has never been cheap to keep a pet (a dog will set you back about £10,000 throughout its lifetime and a cat will set you back about the same) but the Blue Cross suggest a number of cost cutting measures to allow us to afford the expenses of our furry (or feathered/scaled etc) best friends. One such measure is to shop around for value for money pet insurance which will save you money in the long run should your pet become injured while another is to cut back on the treats (this will actually do your pet a favour and save them from becoming obese!) Stop buying fancy toys for your pet too while you are at it! They would much rather a good walk in the fresh outdoors than some expensive gadget!

If you don’t have insurance and a costly veterinary bill appears, charities like the Blue Cross and the PDSA are available to help pet owners on a low income. When vet bills come in they can certainly appear very scary but thanks to animal charities this doesn’t have to mean the end for you and your beloved Fluffy or Fido. Currently overstretched with cats in crises and doggy dogmas, they would however encourage the pet loving public to pay a little every month toward a pet insurance plan.

Hark! New visa rules for US travellers

Sunday, January 25th, 2009

Changes have been made to US visa regulations but sixty per cent of travellers originating from Britain are completely unaware. According to the article “Brits still unaware of new US visa requirements” if you are planning to travel to the US and do not have ESTA (the new visa for the US) you will not only be refused entry but will be unable to claim a refund via your travel insurance.

What exactly is an ESTA? It is a mandatory early clearance procedure to allow the USA’s Department of Homeland Security to determine whether or not a traveller is allowed to enter the country. To register you will be required to submit your passport details, name, date of birth and travelling specifics.

The brand new Electronic System for Travel Authorisation or ESTA (for short) is achieved by registering online at least three days before you are due to set off. It is essential you do this to travel to the US under the visa waivering programme. If you have not received ESTA approval, it is highly unlikely that you will be allowed to fly and even if you do you can still be refused entry at US customs.

To be eligible for a free of charge ESTA, you will need to be a British citizen travelling to the US under the visa waivering scheme, which allows you to visit the country for ninety days without a visa.

The ESTA is limited to two years and allows for numerous visits to the country. After this period you will be required to reapply for free of charge.

Everybody wants a doctor in the house?

Sunday, January 25th, 2009

A recent poll that launched Halifax’s new Landlord Insurance has revealed the preferred tenant to be a woman who is a medical professional earning an average of £25,000 and who is aged between 36 and 45 years.

According to the article “Medical professionals top the bill of best tenants” a thousand landlords in the UK were interviewed in this revealing survey and the results prove somewhat worrying for prospective tenants outside of the favoured demographics. The results exposed the fact that overwhelmingly (just under eighty per cent) women were preferred as tenants on the whole and that if you hail from London this would be definitely seen in your favour.

Landlords are not as greedy as they are reputed to be according to some rather shocking results. If a prospective tenant earning a modest salary competed with someone earning over seventy thousand pounds for a property, a third of the total sample claimed the more affluent of the two would not necessarily be favoured.

People under the age of twenty-five were not considered ideal tenants while someone with a medical background would be preferred above all other occupations (particularly HGV drivers, celebrities, traffic wardens and shop workers).

Although landlords are right to get the best tenant in order to protect their property, should the perfect tenant turn out to be the tenant from Hell, Landlord Insurance will provide something of a safety net. In all this, we mustn’t forget the tenant however. He/she needs protection too and unfortunately this is not covered under Landlord Insurance. To make you’re your belongings and valuables are safe as houses, ensure your contents insurance provides exactly what you need from it!

Dining-in accidents – they will happen!

Sunday, January 25th, 2009

This credit crunch has a lot to answer for! All kinds of problems and situations are rearing their heads as people attempt to hold onto their pennies! Watch out for having dinner at home! According to the article “Furniture at risk as entertaining at home increases!” people are claiming on their contents insurance for damage to furniture brought about by entertaining at home!

Everybody seems to be swapping the luxury of eating out for dining in. Friends are telephoned with home dinner invitations instead of one to a favourite restaurant. While it is a nice trend and an almost lost art of entertaining is dusted down and brought out on show again, there is a down side according the insurance company Swinton.

More and more claims are being made on contents insurance for damage caused to furniture and possessions. People are overwhelmingly enjoying a generous helping of alcohol taken from within the comfort of their own homes! While drinks are cheaper at home and it saves on taxi fares, entertaining at home is costing our insurance companies.

Just over eighty per cent of Swinton customers enjoyed entertaining friends at home instead of meeting them out for a drink and/or a meal. Out of these customers, thirty six per cent had an unfortunate accident and incurred some kind of damage to their belongings as a result of hosting the entertainment at home! And people say it is cheaper to entertain at home!