You are here: Home - Insurance - How to -

Summer travels: top tips to avoid insurance disasters

Written by:
As you prepare for your annual summer holiday, make sure you avoid the classic insurance pitfalls.

• If you buy a policy online, save a copy to your phone so you always have it with you.

• Check how the insurer defines ‘valuables’ and cover in transit – are they covered if checked into the hold? Remember you should never check money or expensive items into your checked-in luggage – this will not be covered by your insurance should something be lost or stolen.

• Hang on to your sunglasses – most policies don’t cover them as standard.

• Remember, the British Consulate won’t help if you don’t have travel insurance  – you’ll have to cover your own emergency expenses and this can rack up to hundreds of thousands of pounds. For example, if you require medical transportation home and don’t have insurance, you can’t rely on the government to pay the bill.

• If you are going to Europe – get a free EHIC card to access the same state-provided medical care as a national. These are free to get from the NHS here.

• Always check the policy thoroughly if buying via a comparison site – some policies can be less comprehensive, with higher excess, and you need to make sure that the policy you are considering covers any special situations – like ski trips and/or scuba diving.

• Check if your contents insurance covers any expensive personal items during travel.

• Always report loss and thefts to local police – your insurer will need the crime report number.

• Take a photocopy of your passport and keep it somewhere separate. It also helps to photocopy your passport and travel docs and send them to your email address and a copy to a friend or relative.

• If you have a spare passport photo, pop it in your luggage – super useful if you need to replace documents or apply for a last minute visa application or traveller card.

There are 0 Comment(s)

If you wish to comment without signing in, click your cursor in the top box and tick the 'Sign in as a guest' box at the bottom.

ISAs: your back-to-basics guide for 2018/19

Here’s everything you need to know to make the most of your unused ISA allowance ahead of the 5 April deadli...

A guide to Sharia savings accounts

A number of Sharia savings products have upped their game in recent months, beating more familiar competitors ...

Five ways to get on the property ladder without the Bank of Mum and Dad

A report suggests the Bank of Mum and Dad is running low on funds. Fortunately, there are other options for st...

What will happen if rates change

How your finances will be impacted by a rise in interest rates.

Regular Savings Calculator

Small regular contributions can build up nicely over time.

Online Savings Calculator

Work out how your online savings can build over time.

Having a baby and your finances: seven top tips

We’re guessing the Duchess of Cambridge won’t be fretting about maternity pay or whether she’ll still be...

Protecting family wealth: 10 tips for cutting inheritance tax

Inheritance tax - sometimes known as 'death tax' - can cause even more heartache for bereaved families. But th...

Travel insurance: Five tips to ensure a successful claim

Ahead of your summer holiday, it’s important to make sure you have the right level of travel cover or you co...

Money Tips of the Week

  • Are you planning to make a last-minute investment into your ISA or SIPP during this tax year? Here are five tips to…
  • Forget a delay, more than a third of private investors favour a no-deal Brexit - #Brexit
  • Have you ever tried to save money but unintentionally ended up spending more in the process? Here's how to avoid th…

Read previous post:
stock of the week
Sainsbury’s Bank launches back into mortgages with rates from 1.34%

Sainsbury’s Bank has re-launched its mortgage range with rates starting at 1.34%.