Know Your Cover

Do you know what your travel insurance covers you for?

25% of us admit we only read the terms and conditions of a policy when we need to make a claim.

We spoke to 3 families to ask them if they really knew what they are covered for under their travel insurance policy.

Watch the video to see how much you know about your travel insurance policy!

The Williams Family – Insured Through Their Home Insurance

Mother and Son, Sam and Myles are starting to plan their next family holiday

Sam buys her travel insurance through her home insurer at £10 per month: that’s £120 per year! For that price, she might think that she is covered for everything but does she really have the cover she wants and most importantly needs?

Sam tells us that if Myles’ iPad was stolen or lost, she would want a replacement within 24 hours. However, this might not be possible as most policies tell you to claim when you return from your holiday.

Sam should also check her policy as most do not replace new for old, in other words they take into account the age of and wear & tear to the item. There might also be a policy excess.

Sam might not receive as much money back as she thinks.

Watch the video now to see if you thought the same as Sam!

The Finney Family – Purchased Policies Through Comparison Sites

According to Lily of the Finney Family all she needs on holiday is the pool, the Wi-Fi and drinks! We couldn’t agree more. But as they use comparison sites to look for the cheapest policy and then move upwards they may not be buying a policy that fits their needs.

The Finney’s believe that if they had to cancel they would only pay one excess. Whilst some travel insurers do offer an excess per family instead of per person they are few and far between.

Also in order to compete on the comparison sites some insurers offer a cheaper price by having much higher excesses – this could mean that if the family cancelled their holiday the total of the combined excesses might come to more than the cost of the holiday.

Sam might not receive as much money back as she thinks.

Watch the video now to hear more.

The Ranas Family – Insured Through Their Bank

What is Sophia’s favourite part about going on holiday? No school of course!

The Ranas family are insured through their bank but do they know what to do if one of them was taken ill or injured on holiday?

Mum and Dad felt that they should both know what to do in an emergency situation, Dad has a card with important phone numbers on from the insurer but Mum doesn’t know where it is kept.

Dad says he knows what to do – Mum asks but what if he is the person taken ill?

Ensure everyone is aware of these phone numbers – store them in everyone’s phone not just one.

The family had no idea what the EHIC (European Health Insurance Card) actually was or why it was important. This card when shown to state hospitals in Europe will provide you with free or discounted healthcare. Despite Brexit this is still valid and not a replacement of travel insurance.

Watch the video now to see if you have the same process as the Ranas.

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