Travel Insurance coverage Britain
Travel Insurance coverage Britain | Final week my wife and I booked a seven day holiday in Tobermory on the great Isle of Mull. All that grand scenery with brightly painted houses clustered around the harbour. Hands up who knows Tobermory as Balamory!
You could have knocked me down with a feather when the travel agent assumed that I wanted travel insurance for an more £27.50. Not on your Nellie the Lock Ness monster, I thought. I can spot a rip off when I see one! Who demands insurance coverage to get a trip to an additional destination in Britain? The NHS is free and in an emergency, my daughter could drive up and take us residence.
Later within the comfy setting of my lounge I got to pondering …….
Vacation disasters never only take place abroad. So I created a list from the dangers:
One of us may very well be taken ill ahead of we depart and we'd be forced to cancel. Because the ferries plus the hotel had been non-cancellable, we'd shed every little thing we'd paid.
My parents are finding on. God forbid, but I'd must cancel the holiday if a thing occurred to them just just before we're as a result of go.
My wife or I could be named up for jury service.
There could be a significant delay at the ferry. Apart from the inconvenience, we've got to arrange an overnight remain in Oban.
A person might steal our luggage
I've just bought an all singing and dancing camera particularly for the trip. I may well shed it.
If either of us had been hospitalised we wouldn't need to be stuck on Mull. We'd choose to be transferred to our nearby hospital in Cheshire.
Then it struck me that my Home & Contents insurance would probably cover me for loss of luggage or my camera if I was travelling within the UK. I dug out the policy. Lucky I checked. I was only insured for “personal possessions” if the items have been listed and as I'd only bought my camera last week I hadn't got round to receiving it documented on my policy as a valuable item.
An additional point struck me. If I produced a holiday related claim on my Household & Contents policy I'd shed my no claims discount. That didn't appeal one particular little bit. I've a ten years claim no cost record on my H&C policy and it still cost me £305 a year. I jotted down a note to self - when that policy comes up for renewal, check out the Internet to see if I could get it any cheaper.
By now £27.50 to get a travel policy was beginning to look worthwhile.
But you'll realise I'm a bit of an old skin flint - at least my wife says so! I know, get online and check out whether the travel agents' policy at £27.50 was competitive.
Not all the sites I visited could offer me single holiday insurance coverage within the UK but within ten minutes I'd found what I wanted - a travel policy and a saving of over £10!
Time to read the small print to make sure I truly had the cover I needed. Great, all the risks I had jotted down were covered. They'd even pay me £30 if my ferry was delayed for up to 12 hours and then give me the option to cancel my trip and get a refund.
Now check out the exclusions - what wouldn't they pay for? I wasn't covered if my vacation was for less than two nights or if my holiday destination was less than 25 miles from residence. I also had to pay the first £30 of any claim. All seemed fair to me.
The decision was produced. Key in my credit card details and CLICK I was insured. Peace of mind restored!