When I worked in the travel industry I used to find it frightening the amount of people who would ask me " Do I really need insurance? ". I even know that some people went on holiday with their families without proper travel insurance! This is pure madness in my opinion.
Many people think that their credit card covers them or the E111 form ( or European medical card ) provides good cover. However this is often not the case with most credit cards as they don't cover you for certain things so you should buy proper travel insurance if in any doubt.
In the past only travel agents sold travel insurance policies and even in some cases insisted that you had to take their cover to book the holiday. New legislation came into force and this was good news for customers who now had some very competitive quotes.
You should book your travel insurance immediately after or even during your holiday booking as you will not be covered for cancellation if anything happens before you travel. An example of this is that you book your holiday on the Friday and the next day you break your leg and are unable to travel.
You were going to book travel insurance over the weekend but had your accident first so you are probably not covered for cancellation. Your tour operator may allow you to amend to a later date if you are lucky but if you are travelling in the next few weeks you may have lost all your money.
Unexpected things can happen which affect your holiday such as a close family member becoming ill so you should make sure you buy travel cover immediately after booking your holiday and do not leave it until the last minute.
An annual travel insurance policy or family policy may also save you some money and cover a few holidays per year.
No comments:
Post a Comment