Essential Information About Travel Insurance

It is more than likely that you’ll experience a good deal of confusion when attempting to track down the best single trip travel insurance policy. You might be unsure of whether to use a comparison website or buy directly from a reputable company. You may also have trouble deciding whether to pay a little extra for extreme sports insurance. You’ll have a clearer idea of your options after reading this article.

Don’t Base the Decision Purely On Price

It is worth pointing out that the cheapest single trip travel insurance policies may not cover you against the great range of unexpected injuries and accidents that can occur; and a cheaper policy may not guarantee enough financial protection against cancelled flights or lost valuables, for example. Of course, you can minimise the price of cover by agreeing to a high level of excess; however this may mean that you are left with considerable financial problems should the worst happen.

Consider Multi Trip Insurance

If you are planning on taking a number of holidays throughout the year, it would be sensible to select an annual multi trip policy rather than single trip travel insurance. However, you should find out whether such a policy would protect you for the duration of extended foreign trips. It would also be a good idea to find out whether you’ll be covered during trips to UK destinations.

Insure Your Baggage

The items you take on holiday may well be covered under the terms of your home contents insurance, so you should check whether this is the case before handing across extra money to your chosen provider. It is also worth bearing in mind that companies are often sceptical about the reported loss of personal goods – so don’t try to scam the system!

Buy Cover For the Whole Family

Some specialist companies offer well priced single trip travel insurance for family groups. However, you are urged to read the small print before taking out this type of policy. Find out whether the cover extends to trips that your child may make with friends or school groups, and ask whether the policy guarantees financial protection against injuries sustained during family activities.

Opt For Exclusive Gadget Cover

Increasing numbers of people opt to travel with their expensive electrical devices these days. However, research has revealed that the average policy doesn’t include adequate cover for the loss or theft of such items. Thankfully it is possible to purchase specific gadget cover from specialist companies.

Buy Your Policy Online

You may well have heard about the great range of companies currently offering superb deals to online customers. They can provide you with everything from single trip travel insurance to UK holiday cover. You are encouraged to do some web-based research and secure the very best deal for your personal situation.

The Truth About Travel Insurance Comparison Websites – Don’t Be Too Quick to Click!

Price comparison websites have come a long way since their humble beginnings when they were little more than an online Yellow Pages. To the average person, however, purchasing travel insurance online can be like navigating a minefield. It can be so confusing that they don’t bother to delve any further than the price. Why bother when it’s easy to click on the cheapest quote and then hope for the best.

It is important to remember that some insurance companies tailor policies specifically for comparison websites, thereby sacrificing reasonable levels of cover in order to be competitive and offer the cheapest price.

Remember that the websites included on comparison sites are there because they have paid to be there – one way or another. They may not actually be the best deal – or the cheapest. Try pulling up a cheap quote, examine the levels of cover and then check them against a policy offered by another company – perhaps one that is not included on the comparison site. Notice any significant differences and then explore further to see whether the levels of cover on the cheaper quote are adequate. Obviously, a weekend break to Paris is not going to require the same levels of medical cover and liability as a fortnight skiing in Colorado.

When applying online avoid paying for cover that is not needed. Uncheck boxes for the addition of winter sports if not needed. Avoid paying for two single trip policies when an annual multi-trip policy would have been cheaper. Couples insurance is usually cheaper than two singles. A family policy for two adults and two children can be a very reasonable option. Most insurers offer single trip and annual multi-trip cover to include the UK, Europe, and Worldwide to either include or exclude the USA and Canada. Be careful to choose the correct option as cover for the USA can cause a significant increase. It may be worth opting for an annual multi-trip if it is just a few pounds more than a single trip in case you decide to take another trip, plus most policies provide cover within the UK when accommodation has been pre-booked for two or more nights.

If booking holiday components yourself rather than a package deal, make sure your insurance policy includes Scheduled Airline Failure and always book through an ABTA, ATOL, or similarly bonded travel company. As of January 2009 travel insurance can only be sold by FSA-regulated agents so many of the common pitfalls no longer exist. Despite taking out travel insurance, it is a good rule of thumb to always behave as if you are uninsured – and bear in mind that claims may be denied where reckless behaviour or abuse of alcohol or illegal substances is found to be a factor.

Travel insurance covers many popular activities people enjoy on holiday (snorkeling, camel riding, golf, jet skiing, etc) on an incidental basis (casual basis, rather than sole purpose of the trip). For more extreme or dangerous activities a specialist insurer may be needed, so if in doubt always check. This type of information and answer is not readily available on a comparison site.

Age can also be a factor. Just as a person in their late forties may not be able to take advantage of a cheap backpacker policy, a person aged over 65 may have trouble finding affordable travel insurance and need to seek out a specialist insurer – especially if there are serious pre-existing medical conditions.

Doing everything online has become the norm these days and is certainly very convenient. Gone are the days when our fingers had to do the walking. However, before clicking on the cheapest quote, stop and take a moment to read through the levels of cover, excess and exclusions. Understand what you are buying. This is especially important if your trip is unusual in any way or you know of any factor which may influence a quote if it were known; for example, neglecting to include a pre-existing medical condition because it was not easily found during the online application process. Purchasing a policy without submitting all the facts could result in a claim being denied and is simply not worth the risk.

We wouldn’t want to return to the old ways of doing things, but they were often much clearer for the customer. If you are confused or have questions don’t leave it to chance, call the company and ask. In some cases it is better to complete an application over the phone. So… Don’t be too quick to click – when you should stall and make that call!

What You Need To Know About Travelling With Your Horse

In this article I would like to share with you some useful advice that will make travelling with your horse much easier. Summer is just around the corner and this means that people who are involved in competitive horse riding disciplines such as eventing or showjumping will have to travel a lot.

When travelling with your horse the first thing that you need to do is to properly inspect horse’s lorry or trailer to see whether it’s in good condition.

Specifically you should make sure that the fastings on the ramps are in good working order, you should make sure that on the inside of the lorry or the trailer there are no sharp edges which could cause harm to the animal. You should also inspect the floor boards, particularly if they are wooden, to see whether there aren’t any rotten floor boards. It is also important to make sure that there’s a small window for ventilation.

While travelling, you want to keep the journey as smooth as possible. Plan everything in advance and make sure that you are not accelerating or breaking hard, because this can cause injuries and stress (more on that later) for your horse.

In addition to this, you should also don’t forget to take regular breaks and communicate with your horse. While some of you might have the ability to stay on the road for horses, keeping the horse enclosed in a horse trailer or lorry for more than two hours will do more harm than good.

Finally, let’s talk a little bit about stress. If you know that you are going to travel a lot with your horse in 2013 then you might want to invest some money into a high quality equine calmer. Most of the equine calmers contain natural ingredients such as magnesium and they are proven to make horses more calm and relaxed.

The fact is that stress can negatively affect your horse’s performance and it does not matter whether you are an eventer or show-rider, stress in your horse is something that you really want to avoid while competing, because it will not only negatively affect your scores, but a stressful horse can make mistakes that can injure you, the rider.

Fastenings on partitions and ramps should be in good working order, with no sharp edges. Check under any rubber matting in the horse area, to look for any rotten floor boards. Tie rings should have breakable string attached to them, for tying the horse up. The space between the partitions should be wide enough for your horse. There should be a small window open to provide ventilation. The usual vehicle checks, such as fuel levels, tyre pressures, lights etc.

Tours of the Heart – A Famous Quote About Travel

We are so lucky in this day and age because we can just jump in a car, on a bus, on a train on a ship or in a plane and in a short time be in another town, city or country. Long gone are the days when it took weeks and months to move about the world or from one side of a country to the other. Travel opens up the world, we can become modern day adventurers and explorers and take back to our friends and family pictures of places that may have only been ‘visited’ before, in books or at the movies.

Robert Louis Stevenson summed travel up perfectly. “For my part, I travel not to go anywhere, but to go. I travel for travel’s sake. The great affair is to move.”

What an affair it will be when you do decide to move. It will definitely become an affair of the heart as years later when you see a picture in a book or see an ad on television and the emotions kick in, you are immediately taken back to that place you had once visited. This happened to me recently when I was watching television and an advertisement came on promoting some product and it took you to eight different cities around the world – I had been to every one and as I saw each name the wonderful memories of these places came flooding back.

One big tip if you are travelling overseas and want to save some money, go in the ‘off season’. Airfares, accommodation, tours etc are much cheaper and the very best thing is there is hardly anyone else around, no crowds, no queues so you can take the time to explore all you want. So, don’t wait for the ‘right time’, it’s here now. Throw open your front door, choose your mode of transport and just go!

“Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines, sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.” – Mark Twain