Why it’s important to use a broker for your Travel Insurance
With COVID restrictions lifting, many people are starting to book holidays but it is more important than ever that you have the right covers in place for your travel insurance.
Below is an overview of why you should use an expert when booking your travel insurance. Many online platforms don’t offer even the basic covers let alone the covers that should be essential in the ‘new normal’.
Click here to get a quote on our new portal and, don’t forget, if you still want to speak to someone we are always available to guide you through the process.
|Cover||Description||FA Product||Typical Online Product*|
|Medical Emergency||Cover if you suffer a medical emergency whilst on your travels||STANDARD||STANDARD|
|Cancellation Cover||Cover for trips being cancelled||STANDARD||STANDARD|
|Baggage||Cover for your personal belongings||STANDARD||STANDARD|
|SAFI||Scheduled Airline Failure – If the airline goes into liquidation and your trip gets cancelled.||STANDARD||Not covered as standard Optional add on|
|Travel Disruption||If you are booking separate travel and hotels i.e. if your flight gets cancelled and you cannot make your hotel booking this will pay out for the entire trip.||STANDARD||Not covered as standard Optional add on|
|Cruise Cover||Extra Benefits if you have to confine to your cabin or if you book trips that are cancelled for instance if the Cruise ship cannot dock. You also get increased baggage and valuables limits so you can look your best on the cruise!||Optional Add On||Not covered|
|Medicals||Cover for your pre existing medical conditions||Thousands of medical conditions covered||Call Centre with restricted medical conditions covered|
|Activities||Activities during your trip such as sports activities or hobbies||200 + Auto Covered||33 Auto Covered|
|Independent Travel||On a Group policy people can travel independently from one another, i.e. Mum and Dad can go to Rome, Son to Ibiza and Daughter to Paris all at the same time!||STANDARD||Not Covered|
|Travel Delay||Compensation if flight delayed for more than 12 hours||STANDARD||Not covered as standard Optional add on|
|COVID Cover||Cover for
1. If you are denied boarding due to suspected COVID or someone on the plane has suspected COVID
2. If you contract COVID and have to self Isolate and cant travel
3. If you are visiting another person i.e. family member and they get covid preventing you from traveling
4. If your accommodation has to close due to COVID and you cant travel
|STANDARD||Not covered as standard Optional add on|
|Excess||The amount you pay if you have a claim||£50||£149|
|Personal Claims Service||When you have a claim, who helps guide and advise you on all things about your trip, finding||Caroline – Trusted Claims Adviser||Call Centre|
*Financial Affairs Travel Insurance Study 2021
For more information or to discuss your policy, please contact Caroline today 01282 452255.