Top Travel Tips
People often think that travel insurance is an easy policy to buy but it is imperative that the right cover is taken out.
If you don’t have the right policy, you can find yourself stranded, or out of pocket – even before you have gone on holiday. If in doubt, consult a BIBA broker, who will give you independent, expert advice and help you choose the right policy for you at no extra cost. A broker will also be on your side if you have to make a claim.
If you want to buy a travel policy from a broker, check the BIBA website for your nearest broker and ask for the BIBA Holiday Travel scheme – it will be there for you whenever you need it most.
To help you check your travel policy, BIBA brokers have put together a list of frequently asked questions and some top tips to check before you go on holiday.
Top Travel Tips
- Take the travel policy number and emergency help line number with you………you need to know who to phone in case of an emergency
- Dangerous Sports – Have you taken out this option? You may require specific cover for, say, paragliding, Jet skiing, diving So many people don’t think to include these in their insurance.
- Don’t leave valuables in the open, especially while on the beach. Check your policy wording . It may say you need to leave them in the hotel reception safe (a room safe may be insufficient for your insurers)
- Ensure policy limits are adequate: Check how much cash you are covered for, baggage limits etc. Are they sufficient?
- Medical Conditions: Make sure all medical conditions are advised to the Insurer. If the insurer isn’t aware of any circumstances which could give rise to a claim under this insurance, you may not get your money back if you have a problem. Even if they occur between the day you took out the policy and the day you leave.
- Use the pre-travel help line (if applicable) to check on inoculations, civil unrest etc.
- Leave enough time to travel to the airport, if you are late because you didn’t leave enough time to get to there – you won’t be able to claim.
- Be aware of the dangers to small children that you may not be used to at home eg.swimming pools
- If you buy goods whilst on holiday, such as sunglasses, .keep the receipts as you need to be able to substantiate your claim if they are stolen or lost.
- If you are a victim of theft: Report this as soon as possible to the local police, the hotel and the tour operator. Your insurance company may insist on a written report
- Check that your motor breakdown covers Europe and not just the UK.
- If you have an expensive item you want to take away with you, a special piece of jewellery, a digital camera or video recorder, you should ask whether you need to arrange additional cover.
- Check your medical cover – some providers advertise ‘unlimited medical cover’. This is a gimmick and you may end up paying more for it. The BIBA Protect Travel policy covers you for £5,000,000 – this is more than anyone is likely to need. The largest known medical claim ever was just under £1,000,000.
- Check your excesses – some policies insist on an excess for each item lost – i.e: passport, wallet, or luggage. Good policies, like the BIBA Protect Travel Policy, should only request one excess.
To find a BIBA broker phone BIBA’s Find a Broker service on 0370 950 1790