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Getting travel insurance is easy and doesn't cost much in terms of premiums. But often the passive cost of travel insurance can cost you more than expected either through excess or lower pay outs when you claim.
4) The best travel insurance rates are usually with specialist travel insurers as they are specialised in the field and have a collection of covers available to choose from. Buying travel insurance from your bank or travel agent can be quite expensive as these are often the first point of call when you are looking for travel insurance. Price comparison sites such as gocompare.com and moneysupermarket.com may be a good place to start your search.
5) Always read the definitions and fine print. Often you are bound to find something which you do not quite agree with or may result in a larger passive cost when you make a claim.
6) The largest cost involved in travel insurance claims tends to be related to medical expenses (twice as much as personal liability). You may be already covered on this through your work or if you are travelling to Europe, a European Health Insurance Card from ehic.org.uk should get you reduced or free medical while travelling.
Usually you will find that some aspects of travel insurance overlap your other insurance policies, don’t pay twice!
5) Always read the definitions and fine print. Often you are bound to find something which you do not quite agree with or may result in a larger passive cost when you make a claim.
6) The largest cost involved in travel insurance claims tends to be related to medical expenses (twice as much as personal liability). You may be already covered on this through your work or if you are travelling to Europe, a European Health Insurance Card from ehic.org.uk should get you reduced or free medical while travelling.
Usually you will find that some aspects of travel insurance overlap your other insurance policies, don’t pay twice!
There are a few simple things you can do or bear mind when looking for travel insurance that can save you money:
1) One of the simplest things you can do is check for travel insurance inclusion in your other insurance policies (e.g home insurance).
2) Don’t take out travel insurance for single trips. It makes sense to buy an annual policy as it works out to be cheaper if you are travelling more than once or twice a year - and especially if you plan to travel outside Europe.
3) Car hire insurance is best purchased from UK before you leave as on the spot car hire insurance while abroad can cost you a lot more with huge excess charges.
1) One of the simplest things you can do is check for travel insurance inclusion in your other insurance policies (e.g home insurance).
2) Don’t take out travel insurance for single trips. It makes sense to buy an annual policy as it works out to be cheaper if you are travelling more than once or twice a year -
3) Car hire insurance is best purchased from UK before you leave as on the spot car hire insurance while abroad can cost you a lot more with huge excess charges.
Travel insurance