By Patrick Chong
Even if your family is considering just a single trip abroad (perhaps a two week sojourn in Europe) or if you're planning a weekend away to the likes of Paris, Milan or Amsterdam, holiday cover is probably one of the best investments you can make before you step out of your door to catch the flight.
Insurance providers can offer affordable and effective policies for any travel occasion, be they short-haul break or a long haul jet away to the sun. But having the best cover appropriate to you requires a bit of research, an eye over the small print, and questions to be asked if you are in doubt about anything.
So why not consider these top tips that will enable you to ask the right questions of an insurance provider and ensure that you have enough holiday cover for all eventualities?
Single or multi-trip?
If you're intending to travel frequently or just on a one-off trip, you will need to weigh up what policy will work better for you. If two trips abroad are under consideration - for example in May and September - then multi-trip holiday cover maybe favoured over an individual trip policy.
Location?
If you and your family are heading for the Med or the Aegean, a European holiday policy might be available. Just ensure that you tell your proposed insurer where you are going, as you need to be clear - a country in Europe may not be on the European continental shelf.
Insurance caps
While cover levels are a must-know, particularly when it comes to medical insurance cover, and the excess of a policy needs to be understood, one of the many aspects of holiday cover that is often overlooked is the amount you can claim on valuables and electrical items. Ensure that you are not being short-changed on the value of items, such as expensive cameras, laptops and mobile phones, as insurance providers normally cap this.
Exclusions and cancellations
Also be clear on what is not included, and whether cancelled flights and other such aspects of travel are wrapped into the policy. Adventure activities, such as horse-riding, bungee-jumping and scuba diving may not be included.
Be responsible
As much as you can get the best insurance policy on the market, the burden on you is great when it comes to making claims to your provider. Any evidence found by an insurance provider that a policyholder was under the influence of drink or drugs at the time of an accident may well negate a claim.
Small print
Ensure you read the small print of any policy and that you completely understand and appreciate what it means. If you are in any doubt, email or phone your insurance company for the answer before you commit to agreeing to the policy.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.
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