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Posts Tagged ‘Insurance Tips’

RIDDLE! What is it?

They spend thousands encouraging us to buy it.

We are advised never to go on holiday without it.

But when we want to buy it, they don’t want to sell it to us.

Read on ………..

So after much deliberation we have chosen the holiday destination, sorted out the flights, and already we are picturing ourselves languishing on warm sands with the inviting blue sea stretching before us, and we just have the minor formality of the holiday travel insurance and then all the arrangements will be complete. Did I say MINOR? Well, yes, holiday insurance was once just a minor formality, but now for retired folk or senior citizens it has become a MAJOR, MAJOR problem. (In fact, when talking to friends it appears that holiday insurance has replaced house prices as the after dinner discussion). The problem is not just about how health affects the cost of insurance but it’s about how age affects the cost of insurance. Isn’t it amazing how an insurance company can take your annual holiday insurance payments for years, you have never made a claim, and suddenly because you have just passed a certain birthday you are too risky to consider. Your medical history may be fine, in fact you may be fitter than the 30 year old couch potato on the end of the telephone, but that doesn’t count - the only thing that counts is the date on your birth certificate. And when you do find an insurance company who will cover you, you find that the premium costs more than the holiday.

However, one thing is certain, WE MUST HAVE HOLIDAY TRAVEL INSURANCE (you realize how essential it is when you consider that an air ambulance from the USA will set you back approx £35,000), and another important point is to be honest when declaring your medical history, because Insurance Companies are not charities and will possibly look into your medical history hoping to find some information (however slight you may have considered it at the time it was recorded) to avoid paying for example that air ambulance cost from the USA.

A timely reminder that the E111 was discontinued on 31 December 05 and was replaced by the EHIC (the European Health Insurance Card), which you can obtain from the Post Office or www.dh.gov.uk. It is useful to take this, but it is definitely not a substitute for personal holiday insurance.

And whilst on the subject of European holidays; a couple of years back we met a group of Spanish pensioners having a great time on the Costa del Sol. We found out why it was such a joyous occasion, it came courtesy of the Spanish Government - the Government treats senior citizens to a week’s free holiday. On reflection, it could possibly work out cheaper for the National Health if our senior citizens were sent to warmer climes during the winter when bronchitis and respiratory problems abound. Mr Brown, it’s food for thought. After all, he informs us that in 2008 we shall be receiving free bus travel throughout the country, so perhaps we can but dream that the boundaries be extended somewhat. However, there is still the problem of the necessary holiday travel insurance.

A recent survey found that 9 out of 10 annual travel policies impose an upper age limit. It is slightly easier to obtain single trip policies: but this can work out expensive is you plan to take more than a couple of holidays a year. Here are a few worth contacting, but do shop around as prices vary enormously -

All Clear of Brentwood - www.allcleartravel.co.uk

Citybond - www.citybond.co.uk

Churchill - www.churchill.com)

Age Concern ) will insure the over 80s

Help the Aged ) will insure the over 80s

Saga ) will insure the over 80s

Norwich & Peterborough - www.npbs.co.uk

Flexicover - www.flexicover.co.uk

Visit Mabels…Maintaining Bygone Times, containing numerous articles thoughtfully researched mainly for the older person. You may access these articles by visiting http://www.mabels.org.uk/ - You will learn about the best tips to improve your health, fitness, finances, & helpful organisations to make the most out of life.

Jo Godden
http://www.articlesbase.com/advice-articles/travel-insurance-tips-advice-resources-for-seniors-222504.html

Technorati Tags: Air Ambulance, Annual Holiday Insurance, Birth Certificate, Blue Sea, Charities, Couch Potato, Deliberation, Formality, Holiday Destination, Holiday Travel Insurance, House Prices, Important Point, Insurance Companies, Insurance Company, Insurance Payments, Insurance Tips, Medical History, Riddle, Senior Citizens, Warm Sands

An insurance covering your trip is like a reliable travel companion. Availing this insurance means that you will be looked after appropriately during the tour. And if any trouble persists, you will be aided and compensated as well. But, travel insurance comes to little or no use if insurers have no adequate information about the insurance. Some useful tips about this insurance how you can avail and utilise it in its best way can be of great help.

Financial survey in UK states that almost 10% of all claims are fake. Taking this matter seriously, it becomes difficult for people to get their compensation exactly what they are promised by insurance company to be paid. Thus, it becomes very important for insurance buyers to take precautions at every step, from buying the insurance to making claims to be compensated.

The most important point to consider while you are buying a travel insurance is checking what all are being covered by the insurance. Before you finally make a deal, be sure of the insurance that it is giving you good cover. Usually, the insurance will cover for your lost luggage, stolen cash and other belongings. Though, it will pay you limited amount of cash, but it is of great help during the travel. Hospital treatment is also covered by the insurance.

Even most of the insurance will give give you 24 hour medical and legal assistance. Similarly, you need to be well aware of conditions in which Travel Insurance will not pay you any compensation. If you have lost your luggage/belongings/cash due to your faults, insurer will not pay you any compensation. Again, if the reason of cancelling trip is not valid, you will not be paid. Besides, some hazardous activities like adventurous sports like scuba diving and mountaineering are not covered. Knowing some of these important information could help you having a memorable trip.

Allan
http://www.articlesbase.com/insurance-articles/travel-insurance-tips-to-make-your-trip-great-204859.html

Technorati Tags: Belongings, Faults, Financial Survey, Hazardous Activities, Important Information, Important Point, Insurance Articles, Insurance Buyers, Insurance Company, Insurance Tips, Insurance Travel, Insurer, Legal Assistance, Lost Luggage, Memorable Trip, Mountaineering, Reliable Travel, Scuba Diving, Travel Companion, Travel Insurance

Travel insurance is a ‘must’ for anyone going away whether on holiday or for business so it is wise to check that the insurance you take out is relevant to the type of cover you need. The last thing you want is a huge bill after your trip, medical or otherwise, because your policy did not cover you for what you thought.

There are many different areas to take into consideration when you buy travel insurance. If you don’t make sure the travel insurance is right for you, you may not be covered, so follow these simple tips to help ensure you get the right travel insurance for your needs, what to look out for, and how to compare travel insurance prices for when you buy travel insurance.

A standard travel insurance package should normally provide compensation for a range of holiday and travel mishaps such as:

* Cancellation or curtailment of your trip
* Medical emergencies and repatriation
* Loss or damage to personal possessions
* Loss or theft of money
* Personal liability
* Compensation for permanent disability or death

Often these areas of cover can be subject to limits, excesses and exclusions so do check your policy carefully so you know what you may or may not be covered for.

If you are the energetic or adventurous type, check that dangerous activities such as snowboarding, skiing, white water rafting or journeys to remote areas are included in your insurance policy you may need a special type of insurance or an endorsement to cover your needs. Expenses caused by a terrorism event may be excluded or an expensive item of luggage or equipment may need to be insured separately. Some insurers do not cover people over the age of 65 or 70, and if you have any existing medical conditions, these also may not be covered.

It is true that your household insurance will offer cover for personal items and you may be able to remove these from your travel insurance cover to save you money. Also your credit card providers may offer some limited cover. A European Health Insurance Card will entitle you to reduced-cost or sometimes free medical treatment in the European Economic Area countries, but will not normally cover rescue costs or repatriation. If you are travelling for business your employer may offer some travel insurance cover.

So where do you go to find the most suitable travel insurance for you? You can buy travel insurance from many different sources, travel agents, tour operators, banks, the post office, credit card providers or direct from insurance companies. The easiest and quickest method is online and Gatwick travel insurance offers a comprehensive service which is easily accessible.

In short, if you follow these steps, you can be sure that you have the right cover for you and that you have not paid over the odds for this peace of mind.

* Consider what cover you need
* Consider where you are going and what you are going to do
* Take into account the cover you may already have
* Tell your insurer all the relevant facts i.e. your age and any existing medical conditions
* Shop around and compare travel insurance prices
* Check your policy carefully

When you go to buy travel insurance, you want to make sure you have got the right price for the cover you need. One way to do this is to use an online travel insurance Gatwick Airport price checker, where you can compare travel insurance prices online. The best travel insurance Gatwick airport price checker that I have found to compare travel insurance prices is www.gatwickinformation.co.uk. This website also provides lots more information and suggestions as to where to buy travel insurance.

Finally, before you go away on your trip, make sure you take a copy of your policy and a note of the telephone number in a safe place, and of course, take good care of yourself and your belongings whilst you are away.

You can now look forward to your trip safe in the knowledge that you have done everything necessary, and that if anything were to go wrong, you would be fully covered. But of course we all hope it won’t and thankfully the majority of the time it doesn’t but you should always be prepared!

Bethanie Ashley
http://www.articlesbase.com/travel-articles/travel-insurance-tips-understand-the-limits-excesses-and-exclusions-to-avoid-huge-bills-and-get-the-best-price-76749.html

Technorati Tags: Adventurous Type, Curtailment, Dangerous Activities, Excesses, Exclusions, Household Insurance, Insurance Policy, Insurance Prices, Insurance Tips, Journeys, Medical Conditions, Medical Emergencies, Mishaps, Personal Liability, Personal Possessions, Price Travel, Repatriation, Terrorism Event, Travel Insurance Package, White Water Rafting