Newspaper article Evening Gazette (Middlesbrough, England)

The Importance of Choosing the Right Travel Insurance; YOUR CONSUMER RIGHTS CHAMPION

Newspaper article Evening Gazette (Middlesbrough, England)

The Importance of Choosing the Right Travel Insurance; YOUR CONSUMER RIGHTS CHAMPION

Article excerpt

Byline: JAMES WALKER

WITH Brexit all over the place, UK citizens are faced with the bizarre situation where some holidays are on sale at rock bottom prices because many people are reluctant to book a break due to concerns about all the political upheaval.

If you've decided to just go for it and get away, it's never been more important to get a good travel insurance policy.

Here's my ultimate guide to the things you need to know.

THERE ARE TWO TYPES OF POLICY WHEN you take out travel insurance, there's a HUGE variety of policies but most boil down to single trip or annual travel policies.

Single trip insurance does what it says on the tin. It's cheap and cheerful and often sold alongside packages or at airports.

Annual policies are worth it if you're taking a few holidays in a year (lucky you!). It's useful if you want to take advantage of those last-minute bargains, too, knowing you'll be covered. It's better for long-haul trips and cover can be more extensive.

CANCELLATION COVER If something There are policies unexpected happens in the run up to the holiday (death of a relative, illness, an unexpected event) then cancellation cover will pay out a sum towards the costs of not being able to travel. Cheap policies can exclude this, so never assume you're covered.

Cancellation cover only covers things happening to you or immediate family.

If you've splashed out on a megabucks trip, make sure you know what the maximum payout will be.

|| T&Cs alert! If you've got a medical condition that might affect your ability to travel, you'll need to disclose this.

If you don't, then your claim might get turned down.

TONS OF TERMS AND CONDITIONS SOME travel insurance policies can read like War and Peace.

We've seen ones pushing 140 pages. You should get a 'key facts' booklet that tells you the most important things, like excess levels and how to claim. …

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