Where To Get Cheap Holiday Insurance
Looking for cheap holiday insurance deals online should be about more than just looking at the price
. It can be a false economy if you do not get the basic cover you need or paying excess and hidden charges that you are not aware of. Shopping around for the best deals can save you a lot of money but it is also vital to know what you are shopping for.
When looking for a quote, the first thing to bear in mind is whether you are going for a single trip or for an annual policy. If you are planning a one off trip or you do not go on holiday very often, then a single trip policy is fine. However if you travel regularly it is advisable to get an annual policy to save long term money.
It is also important to bear in mind where you are travelling. Insurance policies are based on risk, so the likely activities, age of the travellers and the country you are travelling to will all affect the cost of travelling. Getting multiple quotes will give you an idea of broadly how much it will cost and give you more room for haggling.
Always make sure you are honest about any pre existing health conditions as this can affect your claim and you may not get your money back.Another example of an excess you would have to pay is for any extreme sports. Scuba diving and sports like tennis are most likely to be included. However, bungee jumping and paragliding will probably cost extra on your excess.
Once you have paid for your cover, it usually applies to the time of your departure. If for any reason you want to cancel your cover it is worth checking to see what their return policy is, usually within 14 days. If you want to make a claim, make sure that there is a contact number. Ideally it should be a 24 hotline, especially in case of any emergencies. In Europe, an EHIC card can save you money on healthcare costs.
Some credit cards include travel insurance perks and some contents insurance can cover some items while travelling. Ask your bank or insurer to see what is covered.For more information, search for independent travel insurance advice online or look up review sites to see the experience of any travellers.
Make sure you are aware of any offers available and make your current insurer aware to see if you can haggle a cheaper deal.With the combination of the right information and smart shopping around you can be sure of getting the best possible deal, while at the same time you get enough cover for your own personal peace of mind.
by: Scott McKenzie.
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