Posts Tagged ‘holiday insurance’

Avoid taking an insurance holiday on vacation!

Friday, July 17th, 2009

If you are getting ready for your summer holidays at home in the British Isles, now is a good time to organise your family’s insurance. How easy it is to be of the opinion that when staying at home holiday insurance isn’t as important a necessity as it is when holidaying abroad. Beware of falling into this minefield of misapprehension for accidents unfortunately tend to happen wherever you are!

According to the article “Top tips for a hitch free summer holiday” summer holiday insurance doesn’t have to cost a fortune with a little help from the people at the moneysupermarket.com. By cutting back on our holiday insurance in order to save money, we could be walking into a false economy nightmare.

Why not kick off with a good travel insurance deal. Surprisingly, only 52% of the British holidaying public will purchase holiday insurance when vacationing at home! Accidents can happen wherever you are and for as little as nine pounds a family of four on holiday for a week can be covered. Why not get yourself a bargain and buy yourself some peace of mind?

Setting off for your holiday may not always run without a hitch. You could need roadside assistance and your holiday could be set back hours if you haven’t done your preparation! When taking out roadside cover doesn’t it make sense to (at the same time) check out caravan cover, courtesy car arrangements and other added extras that you might consider relevant.

Camping insurance is set to raise a few eyebrows this summer as the price of tents come down and holidaymakers forego the comfortable self catering option en masse for some basic living. Camping insurance is not expensive which is surprising especially as tents are generally left unattended for hours on end. Camping insurance for the year could cost as little as £16 for the year covering equipment to the value of £10,000. While our possessions will be covered by our home insurance policies, the sensible thing to do is to not leave anything of any value inside an unguarded tent.

Caravan insurance offers great value for money in equal measures. If you are planning on caravanning this year for an annual £100 premium a policy could offer you cover of up to £1,125,000 as well as £15,000 personal accident protection.

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Posted in Travel Insurance | 4 Comments »

No holiday this year? Things could be worse!

Friday, March 13th, 2009

There is nothing like a holiday for relaxing from the woes of everyday life, but what if you can no longer go on that holiday you’d booked two months ago? According to the article “Holidaymakers urged to buy insurance for breaks in Britain” many people are finding themselves in the position of having to cancel their holiday.

Whether through redundancy, jury service or illness, Direct Travel Insurance reported over 150 claims for cancelled UK holidays in 2008. With each claim averaging out at about £1,074 these people were very glad of their travel insurance. More reason for the insurance firm to urge holidaymakers staying home for the summer should still take out travel insurance.

Everybody seems to be planning to take a holiday in the UK as opposed to the usual holiday abroad. Due in main to the economic downturn and the low pound this holiday season will be marked with differences to any other year. Holidaymakers opting for a domestic holiday, eager to save money wherever possible, are not buying travel insurance according to a very concerned Direct Travel Insurance. The price comparison website confused.com reveal that only 2% of all holiday insurance quotes are for UK holiday cover.

Arguably, when holidaying in this country, UK residents do not require medical cover out of their travel insurance but the issue of cancellation is still too big to ignore. Without travel insurance, should your holiday be cancelled for whatever reason, you will be at risk of losing your deposit and being charged a cancellation fee. Beware you don’t double up on your insurance, says the head of insurance at Confused, as belongings taken on holiday may already be adequately covered by home contents policy. Additionally, insurance customers need to be aware that any annual cover they already have for Europe will adequately suffice for travel around the UK.

In Britain, it is predicted that this year 5 million people will either scale down or cancel their insurance policies in one way or another and a quarter of those stating travel insurance would be on the list to go. We are seriously urged to rethink our motivations by the insurance people LV. In an effort to offer us pause for thought, they remind us that in comparison to the cancellation costs of a holiday, the outgoings of a travel insurance policy is very little expense at all.

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How to weather those wintry hazards

Monday, February 16th, 2009

It is no wonder that we want to escape to the sun at the first sign of winter what with all the hazards that suddenly hit us immediately the temperature slides south. A month or two into the colder season and the insurance company phones become alive to the tune of bells whether its claims on car insurance, house insurance or holiday insurance, it never gets busier for an insurance company than over the winter.

According to the article “Q & A: Insurance cover in the snow” there are ways to prepare ourselves for the onslaught of potential wintry disasters citing a few examples along the way.

In the event of pipes bursting, your home insurance should cover the expense of damage unless you have been absent from your property for over thirty days. Usually, burst water pipes are covered by contents and building insurance, while tanks with frozen water is covered by buildings insurance. Check your insurance policy for a breakdown of specific cover.

The roads are icy and you like many others this season, have struggled to drive your car and collided with another. You can claim on your fully comprehensive insurance although insurance companies urge drivers not to go out in difficult driving conditions unless absolutely necessary. If you have third party insurance and you collide with another car, your insurance won’t cover it.

A common winter complaint is that cars won’t start in the morning but can they claim on their insurance? If this happens to you, you cannot claim on your insurance however you can get assistance on your breakdown cover.

Frosty nights present problems galore for insurance companies thanks to the crime of “frosting”. People leave the car running while de-icing it in the morning allowing 15,000 opportunistic thieves a year to take advantage and steal your car in a crime recognised as “frosting”.

Bad weather has caused you to miss your flight because you couldn’t travel to the airport. Your travel insurance will cover you as long as you prove there was no way you could get to the airport on time and you will need to have checked in too.

There are many problems caused by the wintry weather, in addition to the ones just mentioned, there is the matter of a cancelled flight, snow damage to your home and cars skidding into your car to name but a few. If in any doubt, check with your insurer immediately!

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Posted in Car Insurance, Car Insurance For Women, General, Home & Contents Insurance, Travel Insurance, Van Insurance, breakdown insurance | No Comments »