Protect your travel costs
It nearly always pays to get cancellation cover for your holiday trip abroad. All travel insurance policies offer this, though you may find that cover is limited, the cheaper the policy. This is one reason why some travel insurers offer a series of policies. Gold, Silver and Bronze for example is a popular method to differentiate policies as is Premier, Standard and Economy. Cancellation cover will be offered at various rates with £3,000 being a common average figure. But do look at your personal circumstances and make sure that the cancellation cover you take out is adequate for the trip you plan to take. If you are going on a cruise, then it is quite possible that you will require a higher level of cancellation cover than, say, for a package holiday to the Mediterranean. If you are booking a late minute deal, then perhaps you don’t need more than the minimum, if any, level of cancellation cover. The rule here is to buy the policy that covers your requirements and not just accept the ‘standard’ policy on offer. What is surprising is that latest research still shows that nearly half of travellers (47%) wait until the last week to buy their travel insurance. What people, perhaps, don’t realise is that cancellation cover only comes into force when you take out insurance and, if this left until the last minute, then you will not have the protection which you would have had if you had taken out travel insurance at the same time that you booked your holiday, which could be several months before the actual trip. That way, cover would be provided for a range of events, such as unexpected serious illness to the policy holder, travelling companion and quite often, illness or worse of a close relative which results in you having to cancel your trip. Whilst on the subject of cancellation, do check that the same level of cover extends to curtailing or cutting short your trip and also look out for holiday abandonment, which is closely linked to cancellation, for when, after a set period of delay at your departure airport or seaport, your policy offers you the option of not continuing your trip and being reimbursed for your costs up to a specified limit. So the best advice is that travel insurance should not be relegated to a ‘necessary evil’ purchased just before your travel but should be considered as a fundamental pre-requisite to protect your holiday investment.
www.travelandinsure.com
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