The time has come. You’ve been working hard all year round and the countdown has finally started for your 2 weeks off in sunny Spain. Warm weather and relaxing by the pool – just what you need right now. However, while it’s all great thinking about the wonderful experiences you are going to have on holiday, you do need to consider the risks. It is crucially important you have holiday insurance for you and your family.
Did you know that 58% of people going on holiday will buy their policy within a week of departure, and 27% of people arrange their cover on the day of their holiday? We suggest you organise your holiday insurance far in advance, so you don’t accidentally forget about it and have the choice of cancellation cover if needed. Sometimes the unexpected can happen.
By using a local insurance broker you can buy travel insurance suited to you, whether you are travelling with your family, for leisure or on business. A personal service enables your insurance broker to fully understand your holiday plans and your proposed activities, and create a policy to suit your requirements.
We have put together 5 questions you should think about before buying holiday insurance:
- What are you planning to do on your holiday?
Are you planning to go on an adventure holiday? Full of water skiing, rock climbing, scuba diving and white-water rafting? If so, you need a policy that covers adventure travel – don’t just assume a basic policy will cover you. It is very important you read the small print and find out if your policy provides cover for all the activities you have planned.
- Are you covered if you travel outside the EU?
Before you travel outside of the EU it’s important to check your insurance policy will cover you if you fell ill or had an accident. According to Gov.uk a stomach
bug or infection treated in a hospital in the USA with return flights could equal up to £100,000. The British embassy, high commission or consulate will not pay for this – you need to ensure you are fully covered.
- Which part of the world have you chosen?
If you are eager to visit the areas of the world that aren’t common holiday destinations and are ‘excluded areas’, you must make sure your travel insurance will protect you. Riskier destinations need to be specifically disclosed to the insurer.
- When will your travel insurance begin?
Not all policies are the same, and not all policies start as soon as you step out the door with your suitcase, sunglasses and hat on, ready for the glorious sunshine. You may be getting a train or bus to the airport and therefore, you must check that your travel insurance covers you from the moment you leave your house, to the moment you return after your holiday.
- What possessions are you taking with you?
Are you taking valuable gadgets on holiday? Cameras, phones and laptops aren’t necessarily covered with a basic insurance policy. If you do take these valuables with you, it’s best to look for specialist cover that can match your policy with the type and cost of your gadgets, giving you peace of mind that your possessions are fully covered.
Here at The Trust Insurance Group we can offer a comprehensive holiday insurance package, ensuring the protection of you and your belongings whilst away. We offer a personal service that will allow you to fully understand your policy – giving you peace of mind before going away from home. Give us a call on 01476 434050 or email firstname.lastname@example.org.