Do you have adequate travel insurance?

Whether you are jetting overseas or staying at home this year, make sure you have adequate travel insurance.

The events of the past couple of weeks over the festive period have highlighted how important it is to have travel insurance when heading abroad.

Thousands of holidaymakers have had their Christmas trips jeopardised by heavy snowfall, closed airports, cancelled Eurostar trains, the collapse of the Globespan airline and, at one point, the threat of 12 days of industrial action by British Airways.

But this ‘peace of mind’ cover does not fully protect holidaymakers in many of these circumstances. That’s why it is important to know what is covered, and more importantly, what is excluded when buying travel insurance.

If you have had your travel plans disrupted, your first port of call is to claim a refund from the travel company, be it an airline, train operator, or travel agent. Provided the agent is covered by either ABTA (Association of British Travel Agents) or Atol-bonded (the Air Travel Organiser’s Licence), you should be entitled to a refund or rearrange your trip.

Those who have bought a ‘packaged holiday’, where travel and accommodation are purchased together, should have the costs reimbursed by the tour operator.

But independent travellers, who have booked flights and accommodation separately, may find themselves out of pocket if their travel insurance policy is not comprehensive enough to cover them. 24/7 travel insurance automatically includes BONDPLUS Financial Failure cover on all ‘Premier’ policies.

It is also worth remembering that booking trips on a credit card offers additional protection. Under the Consumer Credit Act a credit card issuer should be jointly liable for any goods or services paid for which do not materialise.

Travel insurance is a must!
When buying your travel insurance, don’t assume that every policy is the same. Your needs may be different from others, so make sure the policy you buy provides the cover that you require.

Read the small print, check the level of cover and ensure you are covered for any activities that you want to undertake.

Carry your travel insurance documentation with you whilst abroad and keep the 24-hour emergency medical assistance number on you at all times along with your policy number.

Call or see us online for an instant 24/7 travel insurance quote, for just £7.33* 24/7 travel insurance will cover you for a 3-day trip to Europe including Financial Failure Protection!

*Premium £7.33 includes Insurance Premium Tax; based on an individual traveller aged under 55 taking out a ‘Premier’ single-trip policy for 3 days in Europe excluding personal possessions cover and purchased within 14 days of departure date. Cover details and prices are correct at time of going to press (February 2010) and are subject to change.