Amanda PhillipsYou wouldn’t go on holiday without your tickets or your passport, but many of us happily set off without travel insurance. In fact, the number of people travelling abroad uninsured is on the rise!
What happens if you fall ill when you are overseas and need medical treatment? Or maybe you have to cancel your holiday due to a family member being taken to hospital? These are all factors which make purchasing adequate travel insurance one of the most important purchase’s you make when travelling away from home. If you don’t have travel insurance and one of the above scenarios happens, your dream holiday could turn in to a nightmare.
Once you have decided that you require travel insurance, you need to make sure that you purchase the best type of cover for your individual needs. You can get basic cover, to shark cage diving in Cape Town! It is very easy to see what is covered and what is not.
It is important to understand how the ‘excess’ works on your travel insurance policy, to make sure you don’t get caught out. The excess is the amount that the policyholder pays towards the claim. For example, if you lose or damage your camera and you put in a claim for £500 and policy excess is £100, the insurer would pay out £400. Another thing to watch out on, is that there are a number of different policy covers. Some polices charge an excess per section, which could result in costs mounting up quickly as you would need to pay excess on the amount of items you lose. This is compared to just one excess per claim, which could work out much cheaper.
Whatever type of travel insurance you need, Barrhead Travel offers extremely competitive rates, and the cover is excellent too. You’ll be asked by our travel consultants as to whether you would like to buy insurance when you book your trip – please don’t put it off! We have annual insurance policies available too, for frequent travellers. Be sure to book your insurance in store at any of our branches, or give us a call on 0800 804 8666, as soon as you book your holiday – you’ll be covered straight away! To purchase, you will be offered travel insurance when you book your Barrhead holiday.