Travel Insurance – ten points to watch

The Saturday Telegraph has published a list of the top fifteen reasons why you may not be covered by your travel insurance.  We have boiled it down to the top ten tips for travel insurance buyers:

1. Dangerous activities: have you told your insurers what you will be doing such as winter sports?

2. Do not drink excessively- there may be an alcohol exclusion

3. Make sure you get police reports and airline property irregularity reports if your property goes missing.

4. If your children are travelling alone they may not be covered under a family insurance policy.

5.  Keep your expenses to a reasonable minimum- travel insurance will not pay for luxuries.

6. Disclose any pre-existing medical condition- travel insurers need to decide whether they can cover you and if so on what terms.

7. Cancellation and delay cover only applies to specified events- make sure you understand your policy cover before you cancel a trip.

8. Do your best to keep you and your property safe.  Travel policies normally contain rules about keeping possessions locked up and using safety equipment when participating in sports.

9. Check the FCO website if you are planning a trip to a troubled part of the World.  Travel policies will not normally cover countries on the FCO danger list.

10. Excesses may be deducted from your claim- check the level in your policy.  They normally apply to each person claiming and each section you are claiming under.