About UK
travel insurance and holiday insurance covers
Travel insurance is essential for anyone travelling abroad
either on holiday or business and covers you for the following:
Covers you and your family against the costs of emergency
medical treatment abroad and the potentially very expensive
bill if you are legally required to pay damages to someone
whose property you have damaged or whom you have injured
while on your travels (your ‘personal liability’).
Travel insurance can also cover you against the costs of
having to cancel or cut short your holiday due to circumstances
beyond your control and against theft, loss or damage or
delayed arrival of your baggage or belongings – including
your passport, other travel documents and cash.
Travel Insurance also covers costs resulting from a whole
host of other travel-related mishaps such as any legal costs
incurred in getting compensation from someone because you
have become ill or have been seriously injured or killed,
lump sum payments following such injury or death, and delayed
or missed departure.
Most standard travel policies include the following sections
- when comparing policies from different suppliers it important
to compare like for like regarding cover limits:
• Medical
expenses
• Personal liability
• Cancellation
and curtailment
• Money and
personal belongings
• Personal accident
• Legal expenses
• Delayed or
missed departure.
Note that standard policies do not cover you for certain
activity holidays such as skiing, although plenty of skiing
and winter sports policies are available from this site.
Most policies will extend the cover for some elements of
the policy at no extra cost if you cannot get home before
the date the policy is due to expire because of the death,
serious injury or illness of you or your travelling companions.
You should also benefit from an extended period of cover
if you cannot get home because public transport lets you
down. |
