Journey Insurance – Is It Crucial For A UK-Based Holiday?


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Simply over a month ago, my boyfriend and I made a decision to visit the attractive metropolis of Edinburgh for our 5 yr anniversary. We stay in Dorset, so we didn’t want to spend the whole time travelling. To make the trip easier on ourselves, we decided to fly there, and used a travel agent to organise the week lengthy holiday. Imagine my shock when I saw an extra £27.50 on the quote for travel insurance! We had been solely going to Edinburgh, not Pittsburgh!

I was offended that they thought we’d be so silly as to get travel insurance for a trip inside the UK. They’ve hospitals in Edinburgh, and it actually isn’t very far away. But afterward, over a cup of hot chocolate, I put some more thought into it.

Vacation disasters can occur anywhere, not simply abroad – so I made a listing of what might feasibly go mistaken:

· Certainly one of us could fall in poor health before we depart, we’d haven’t any selection however to cancel the trip. The flights and the hotel had been non-refundable, so we’d should pay anyway.

· My Grandfather has been in poor health these days, if he bought all of a sudden worse then I wouldn’t be capable of go on holiday. Once more, the trip must be cancelled.

· Either of us could possibly be called up for jury service at any time.

· Flights are delayed and cancelled all of the time. On high of the inconvenience, we may have to rearrange an in a single day keep near the airport.

· Anything could happen to our luggage, airways lose suitcases all of the time.

· My boyfriend bought me a wonderful digital digital camera as a gift, if I misplaced it, it would be very expensive to replace.

Hold on a minute, what about our Residence & Contents insurance coverage? I bet that might cowl us for loss of baggage or my digicam so long as I was within the UK. I discovered the policy and skim the small print. No such luck, only ‘private possessions’ that had been listed on the policy counted, so every little thing in the baggage wouldn’t be lined, and I’d must make a phone call to get the digicam included on the policy.

I remembered one thing else – we had over four years of no claims low cost on our Residence & Contents policy. If we had to make a declare, we’d lose the no claims discount. Our premiums would go sky high after that, they have been already high sufficient as it’s, at £305 a year. I realised that I really ought to look for a less expensive House & Contents policy at the time of renewal, and promised myself to do this in future.

After the investigations I had made thus far, I realised that £27.50 for a journey coverage wasn’t really too bad.

I’ve never been one to rest on my laurels though. I might need determined that travel insurance coverage was a good suggestion, however it didn’t imply I was keen to just accept the value quoted by the travel agent.

I went on-line to get some extra quotes. The first or three sites I looked at couldn’t give me what I needed, however 10 minutes later, I struck gold. I found a single journey travel coverage for the UK, and it was a good £10 cheaper than the travel agent’s quote.

I read the small print, no point signing up without realizing all the facts. I was happy to see all the points I had listed were covered.

Now the exclusions – was all of it too good to be true in any case? Phew – no need to worry. If the vacation was less than 25 miles from our house tackle, or for less than 2 nights, then we wouldn’t be covered. No problem there. Otherwise the only downside was that we’d must pay the £30 if we would have liked to make a claim. Honest enough.

Pleased with the coverage I’d discovered and with the decision that we did need journey insurance coverage in spite of everything, I purchased the travel insurance coverage policy there and then.

 

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