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April 21st, 2005

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05:20 pm - Travel insurance ?
rwrylsin and I are planning to do a little travelling around various bits of Europe over the next few years. (Since it's "just over there" rather than "other side of the world" for us these days)
Some companies offer annual travel insurance cover (rather than buying it for each trip) - has anyone got this / used this ?
Is it worthwhile ? Any recommendations ?
Current Mood: curiouscurious

(9 touches | En garde !)


Date:April 21st, 2005 09:42 am (UTC)
Providing you shop around a bit, annual travel insurance is usually more than worthwhile providing you're planning at least two trips in one year.

Recommendations: read through the terms and conditions to confirm it covers everything you expect it to cover. That's about it. I've never needed to use my travel insurance: I just like to have it.
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Date:April 21st, 2005 11:07 am (UTC)
Last time we bought travel insurance we used a company called Navigator Travel Insurance -- they were incredibly helpful and sorted us out quickly, despite the fact that I was under investigation for an entirely unexplained medical condition at the time. We were buying annual multi-trip; I'm fairly sure we bought Gold world-wide annual multi-trip because the budget excluded various things we'd have expected cover for.

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Date:April 21st, 2005 04:32 pm (UTC)
I buy annual travel insurance, and it is worthwhile if you are doing more than one trip. I actually use Sainsburys for mine. It is a reasonable price and I did have to make a claim once and they paid up without any fuss.
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Date:April 21st, 2005 05:42 pm (UTC)
I used to buy travel insurance and annual was cheaper if you made more than one trip. (And there was one through Qantas which offered bonus frequent flyer points too.) However, it's cheaper still to get it automatically provided via a credit card.

The only downside of the travel insurance provided by my credit card is the large excess payable on claims, but that doesn't worry me. If something worth a few hundred dollars is stolen, well, I've saved that much in not buying more expensive travel insurance anyhow. If I end up needing millions of dollars for some medical emergency, having to pay the first few hundred won't be an issue.

(Of course, the above is true of Australia and I don't specifically know if there are any credit cards over in the UK which provide such cover.)
Date:April 25th, 2005 04:54 am (UTC)
The cards I've seen that used to provide this are charging or gearing up to charge now.
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Date:April 25th, 2005 05:24 am (UTC)
Do you mean that they'll charge a separate fee, or just an annual fee? If the latter, then, yes, it's usually on expensive gold cards.
Date:April 25th, 2005 06:16 am (UTC)
The former, a separate fee. The annual fee is usually waived the more money you have/spend here. So for an ordinary card you are billed ca £30/year, as you go up the status levels the fees vanish. More money for rich people, less for poor. Stupid system.
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Date:April 25th, 2005 06:42 am (UTC)
Interesting. In Australia (and the US), the cards which give good benefits usually have big annual fees. The card I have which gives me travel insurance costs about $150/year. (Travel insurance for a single trip to the US would generally cost more than that, though, which makes the card good value for those who travel overseas frequently.)
Date:April 25th, 2005 04:53 am (UTC)
We've just come back from holiday. For cheap insurance we used insureandgo.com. No problems though, so I cannot comment on service, just that it was cheap.

If either of you have an EU passport, don't forget to fill in your E111 form (available from a postoffice near you), which gives you reciprocal cover in all EU countries.

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