DIY Holiday Insurance
DIY Holiday Insurance – affordable DIY travel insurance for people who like to tailor make their own holidays. Benefits typically include redundancy cover, free cover for the under 18’s, supplier failure (so if the airline goes bust you won’t lose out) and more
Archive for the ‘Cheap Holiday Insurance’ Category
Where to find cheap travel quotes
Finding cheap travel quotes might seem to be an answer to your dreams – prices for travel insurance appear to vary widely, so surely the cheaper the better. Maybe, but you might want to take into account the following:
- Remember that one person’s “cheap” might be another person’s “expensive” – it’s a relative term, of course;
- Cheap travel quotes also need to be seen in the context of the cover they provide. For example, you might expect travel insurance policies that offer only the basic essentials of cover to be cheaper than those that include higher-value cover for a wider range of risks;
- Simply put, it is rather a question of deciding what level of cover, against what range of risks, you personally need. This, in turn, is likely to be determined by such factors as your own particular circumstances, the type of travelling you intend to do, and the number of times in any one year that you plan to travel;
- A singe-trip travel insurance quote is typically cheaper, for example, than a quote for annual, multi-trip insurance offering the same insured sums across the same types of risk;
- You might want to request a number of travel quotes, therefore, so that you are able to compare like with like;
- In this process, you might begin to identify those quotes that are relatively cheaper than others, but which continue to extend a similar level of cover;
- A quick and effortless way of requesting a number of travel insurance quotes for the purposes of comparison is to go online;
- there you may find a number of specialist, completely independent travel insurance providers which have a wide access to the whole of the market and are in a position, therefore, to quickly identify the most competitively priced policies to suit your particular needs and circumstances;
- when making comparisons, it might be important to ensure that you are comparing like with like by checking whether:
- the quotes are for an annual or single-trip policy;
- the maximum sums insured are broadly similar;
- the range of risks covered is the same;
- particular areas of cover, to which you might want to pay special attention, might include:
- medical insurance;
- lost or stolen baggage; and
- travel disruption and delays.
In this way, getting a travel insurance quote – or several – from specialist online travel insurers may then give you the wherewithal to identify the most appropriate cover for your forthcoming journey or journeys.
What may cheap holiday insurance involve?
Even if you have got the best deal available on your flights, car hire and accommodation, there are still costs involved in going on holiday that can make it seem very expensive. That’s why cheap holiday insurance is something all travellers want in order to keep costs down.
But while you can easily compare prices, what should you look out for in a cheap holiday insurance policy? The premium may not be costing you the earth, but you still need decent cover. Here is a short guide to what the policy may or may not contain.
24 hour medical assistance
Accidents and illnesses do not always happen during office hours. Also, you might be in a completely different time zone to your provider, so their office hours could be your bedtime. That’s why it is important to ask whether your insurance provider has a 24 hour helpline to assist you with any claim, and help to make arrangements for your medical care.
Dangerous sports?
t’s essential to check the small print in any travel insurance policy, regardless of the price. If you regularly participate in a dangerous sport, check that injuries relating to this activity are not excluded from the cheap holiday insurance cover. Sometimes it is possible to get additions to the policy as optional extras (e.g. skiing and snowboarding).
Single or multi trip
Are you a regular traveller, or is this holiday a one-off? If you are planning to make frequent trips throughout the year, speak to your provider about the cost of a multi trip insurance (annual insurance) policy for 12 months’ worth of travel. It may be that this is cheaper than buying a new policy every time you go abroad.
Your destination – EU or worldwide?
When reviewing a draft policy, ask yourself whether you need all of the cover it offers. For example, why purchase worldwide travel insurance when you are only going to be within Europe? On the other hand, if you have not finalised your plans and intend to travel where the wind takes you, keeping your options open could prove less expensive than purchasing an extension to the boundaries of the policy from your mobile phone as you cross the border.
Like for like travel accommodation
Having to find alternative accommodation can be a real pain. The city you are staying in could be full, or perhaps there is a dearth of decent places. If you have like for like accommodation included in your cheap holiday cover, the chances are that your insurer will have an arrangement with the larger hotel chains, which could pay dividends in this scenario.
Luggage and cash
Have you insured your luggage bags and their contents? Whether get lost or stolen, it is not uncommon for baggage to go missing. If you wrote a list of the value of everything in your case, you may be surprised at the cost of replacing your possessions. Cheap holiday insurance policies might include such cover, or allow it to be added as an extra for a small fee. Do be careful on this point to read the small print and check whether there are any “large value single item” exceptions, which may have to be scheduled separately to be covered.