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TRAVEL INSURANCE ZONE

The 4u2TRAVEL Travel Insurance Zone introduces the basics of Travel Insurance and provides links to many providers of standard and specialist travel insurance cover. Our mission is to provide a full and unbiased information and booking service, helping you to find exactly what you want with a minimum of fuss.

Choose the right cover for YOU

Make sure that you take out appropriate travel insurance for your particular requirements. Check that the policy covers you for your intended destinations and any activities that you might undertake whilst travelling. Policy premiums vary according to destination and age of those to be covered and the duration of the trip. Look out for good deals on annual multi trip policies which often offer better value than single trip policies if you expect to go abroad more than once in a calendar year.

A brief guide to types of travel insurance policy

Single Trip Policies - are for one trip from the UK to a destination abroad, and terminate when you return to the UK, so one can not for example travel to France, back to the UK and then over to Ireland for another week on the same single trip policy. Duration of validity of Single Trip Policies varies according to the premium paid with a maximum commonly of up to 31 days. Some specialist policies offer longer durations for example for round the world trips.

Annual Multi Trip Policies - as the name implies these policies cover someone for repeated trips within a period of 1 year. If you plan to travel across the period when one annual policy runs out and the next one commences check with your insurer whether you will be properly covered.

Winter Sports and Hazardous Activities - if you intend to engage in winter sports these are sometimes covered by a standard policy - especially an annual one - but often only to a relatively limited level. It is much better to take out a specialist winter sports policy from one of the main suppliers such as Fogg Travel who supply insurance for major tour operators. Similarly if you intend to take part in hazardous activities whilst abroad make sure your policy covers you or take out a specialist one - most major insurance suppliers offer this option. Companies vary in their definition of what constitutes hazardous activity so: if in doubt - check it out!!

Scheduled Airline Failure Insurance - If you book a flight with a scheduled airline and not as part of a package holiday covered by an ATOL Licence, you are likely to lose any monies paid for tickets if the airline goes bust before your flight. Most standard holiday insurance does not cover against this eventuality but you can take out Scheduled Airline Failure Insurance with Protectmyholiday.com. Be aware that some airlines known to be in financial trouble are not included in the Insurer's cover - but this is clearly indicated when you complete the insurance application online. It is also worth noting that if you pay for your flight by credit card some or all of your payment can usually be claimed back from the credit card company. Check with your card company for details.

Insurance for the over 65s - Many travel insurance policies are not available to people over the age of 65 (or other specified ages), but there are companies that specialise in provding travel insurance cover for the older traveller.

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