Sailing Travel Insurance
Millions have property stolen abroad whilst travelling
A major supermarket chain has released research for travel insurance showing that in the last five years five million British travelers have had personal property stolen while abroad on business or holiday trips. On average they reckon that £326 each was lost. Cash is the most likely item to be stolen – amounting to 35% of all cases.
It makes sense to look after your possessions. Not only are you less likely to have them stolen but your insurance policy will probably only pay out if you have taken reasonable care. Also check that your travel policy actually covers the items you are taking; a standard policy might not give you sufficient cover for skis, scuba gear, cameras and so on. Consider a specialist policy if you are off on a skiing (skiing travel insurance), sailing (sailing travel insurance) or golfing holiday (golf travel insurance).
If you are unlucky enough to have had something stolen and you need to make a claim under your travel insurance policy it is always best to report the crime to the local police and obtain a reference number. If the loss occurred on a flight you should complete the appropriate form for the airline.
Airlines ignoring travel insurance rules
A report from Which? says that more and more airlines are ignoring EU rules on selling travel insurance. Airlines should not add mandatory extras such as travel insurance when selling a ticket. Which? Holiday claims that four major carriers are in breach; which could mean that thousands of customers are paying for travel insurance they do not need or could find cheaper elsewhere.
Sometimes a single trip travel policy is shown on the internet quotation for the ticket and the customer has to untick a box to delete it. Make sure you do this if you already have cover - under annual travel insurance for example. Even if you do not already have your travel insurance in place you might be able to find a single trip policy more cheaply if you shop around.
The other problem with travel insurance that is automatically bundled in to other purchases is that you do not have the chance to talk to the insurer about your individual circumstances. A business trip may involve taking very different personal property with you than if you were off on a sailing holiday or skiing trip. Equally you need to be sure that the policy covers you for any hazardous activities you might be involved in.
If you are looking for specialist travel insurance cover such as sailing travel insurance or winter sports travel insurance contact click4quote.com
Channel Islands insist on travel insurance
The Channel Islands is now one of those destinations requiring visitors to take out travel insurance. Holidaymakers and business travelers need to take out cover before arriving in the islands.
Many people think that their European Health Insurance Card will cover them but this is not the case because the Channel Islands are not part of the European Economic Area. Until recently there was an agreement whereby UK visitors could receive free emergency treatment but this has been withdrawn. The best advice is to make sure you have an annual or single trip policy and to check that it covers the Channel Islands as an approved destination.
Visitors to the islands may be tempted by some of the watersports activities on offer such as sailing, water skiing and scuba diving. Make sure that your policy covers all the activities you may be involved in. Insurers have different rules about hazardous activities so the best advice is to have a policy tailored to your specific needs.
If you are travelling to the Channel Islands and need single trip travel insurance or annual travel insurance contact Click4quote.com. Click4quote also offer other specialist travel products such as sailing travel insurance, so call 08450 89 90 91 / 01206 771 755 or go online to quote and buy.
Parasailing death highlights travel risks
A father has fallen to his death in Turkey while parasailing with his daughter. Emma Hudson was on her first flight when her father Glenn who was in tandem with her suddenly fell 150 ft to the beach. Turkish police are investigating what went wrong and caused the death of an experienced parasailor.
Mr Hudson’s widow Linda has instructed a lawyer and is calling for tighter regulation of this type of holiday activity. Parasailing, water skiing and scuba diving are just some of the hazardous activities people often try on holiday and it is very difficult to judge in advance whether they are being properly run.
Make sure your travel insurance covers you for all the activities you may want to try. It is much better to contact your insurer before you travel rather than leave it until you are on holiday and decide to try something new. It may then be too late to arrange the cover you need.
Click4quote standard policy includes a variety of activities as standard and we also sell specialist polices and additional cover sections such as golf travel insurance, sailing travel insurance and ski travel insurance. Get a quote for full details.
Beware – 25 million lost bags
A study has revealed the enormous number of times luggage goes missing at airports. The 2010 Air Transport Industry Baggage Report reveals that one out of every hundred people passing through major airports finds that their bags are lost or delayed. In all, 25 million pieces of baggage were mishandled.
Half of the problems occur during transfers between flights and in 16% of cases the bags never arrived on the aircraft.
Often, the luggage is eventually found and re-united with its owner but sadly many people never see their personal possessions again. Make sure you have good travel insurance and understand any limitations on the cover. For example there may be excesses and limits on the value of some items.
Some insurers have special policies to suit different types of traveling such as – golf travel insurance, sailing travel insurance and so on. Annual travel insurance will save you money if you make a few trips a year. Otherwise you will have to buy single trip insurance each time.
Sailing on holiday? Check your travel insurance
Sailing, at first thought, does not cause that much trouble if you are planning to do it on holiday or as a holiday trip. It’s not like you are hang gliding or rick climbing is it?! When it comes to travel insurance it is important to be aware of the need for specialist sailing travel insurance. Why?
Standard travel insurance will normally only cover sailing in national waters which is fine if you are only out for a few hours and not planning on going far, but for those people who like to hire or sail their own boat as a holiday from country to country standard insurance will normally exclude that activity.
Sailing travel insurance from Click4quote.com is a specialist policy aimed at people who enjoy a passion for sailing and other nautical pursuits, being suitable for people going on yachting holidays, longer sea voyages and even working as yacht crew.
With this sailing insurance you may sail in international waters and even take part in amateur racing. The wording is very similar to a standard type of travel policy and even covers you for your standard holidays and weekend city breaks during the year if you purchase annual cover.
Liability cover is excluded in connection with waterbourne craft as this should be covered under the boat insurance, however you do have liability cover for normal holiday activities involving waterbourne craft such as sailboards, surfboards, canoes, rowing dinghies, foot or hand propelled paddle boats and inflatable sailing dinghies.
So remember, if you are thinking of sailing in international waters purchase specialist insurance cover as standard cover might leave you short when it comes to claiming.