"Looking at getting travel insurance in the UK?"
Here are some tips to help you make that important decision: 1. Shop around. You can use use the internet to help you find a good deal, that meets your travel insurance UK requirements.
2. Your credit card might provide some insurance coverage if you pay your airline ticket with it.
3. It's safer to buy independently from a travel insurance UK company. An airline, or other travel agent can go out of business, and your insurance might not be honoured.
4. There are different policies for different travellers. There are ski and winter sports, single-trip, annual, backpacker, worldwide, and other speciality policies. Make sure you know what yours doesn't cover, such as certain dangerous sports, like hang-gliding.
5. What kind of medical coverage does it offer: repatriation to your home country, ambulances, all family members? You must declare any pre-existing medical conditions. You have a duty to disclose anything that may affect the granting of a travel insurance UK. Failure to do so may invalidate the policy. For medical claims in Europe, an insurer may require a completed E111 form available at post offices. This means you get same medical treatment as local residents. You must fill the form in before you go on holiday.
6 . Make sure you know the reimbursement amount. There is often a limit on the amount paid to you in case of damage or theft.
7. What goods does it cover? Make sure it covers everything you're taking with you, from jewellry to expensive camera equipment.
Does the policy cover personal liability? Are you covered in the event that you accidentally cause injury to others or damage their property and they sue you?
8. Refunds. Will you get a full refund if the trip is cancelled or cut short? Does the cancellation cover start immediately?
9. What is your excess? Most travel insurance UK companies require you to pay part of the loss yourself; this is called the 'excess'. Make sure it's not more than the value of your luggage.
10. Make sure you understand whether the policy requires you to pay for medical or other bills upfront and then reimburse you, or the policy will pay immediately.
11. Discounts may be available by internet rather than by telephone. No matter how good the website is, make sure the travel insurance UK company has sales staff and a call centre.
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