It is more than likely that you’ll experience a good deal of confusion when attempting to track down the best single trip travel insurance policy. You might be unsure of whether to use a comparison website or buy directly from a reputable company. You may also have trouble deciding whether to pay a little extra for extreme sports insurance. You’ll have a clearer idea of your options after reading this article.
Don’t Base the Decision Purely On Price
It is worth pointing out that the cheapest single trip travel insurance policies may not cover you against the great range of unexpected injuries and accidents that can occur; and a cheaper policy may not guarantee enough financial protection against cancelled flights or lost valuables, for example. Of course, you can minimise the price of cover by agreeing to a high level of excess; however this may mean that you are left with considerable financial problems should the worst happen.
Consider Multi Trip Insurance
If you are planning on taking a number of holidays throughout the year, it would be sensible to select an annual multi trip policy rather than single trip travel insurance. However, you should find out whether such a policy would protect you for the duration of extended foreign trips. It would also be a good idea to find out whether you’ll be covered during trips to UK destinations.
Insure Your Baggage
The items you take on holiday may well be covered under the terms of your home contents insurance, so you should check whether this is the case before handing across extra money to your chosen provider. It is also worth bearing in mind that companies are often sceptical about the reported loss of personal goods – so don’t try to scam the system!
Buy Cover For the Whole Family
Some specialist companies offer well priced single trip travel insurance for family groups. However, you are urged to read the small print before taking out this type of policy. Find out whether the cover extends to trips that your child may make with friends or school groups, and ask whether the policy guarantees financial protection against injuries sustained during family activities.
Opt For Exclusive Gadget Cover
Increasing numbers of people opt to travel with their expensive electrical devices these days. However, research has revealed that the average policy doesn’t include adequate cover for the loss or theft of such items. Thankfully it is possible to purchase specific gadget cover from specialist companies.
Patrick Chong
