Sunday 22 July 2012

Endsleigh Insurance has a guide to travel insurance policies

Endsleigh Insurance the independent intermediary specialising in the provision of insurance and financial products for career people issue a press release last Friday.

With the holiday season just around the corner, Endsleigh Insurance is reminding people to take care when choosing travel insurance and advising them to ask more questions before buying their policy.

Everyone loves a bargain, and in the current economic climate it’s quite easy to find some fantastic holiday deals. It’s also easy to find cut-price travel insurance policies, however it’s vital that people know the implications of some of these policies and that it’s more important to get the right cover - not just opt for the cheapest price.

There are many aspects of travel insurance - ranging from limits on baggage, to loss of money, to delays - which cheaper policies may not cover.

It is also essential that the insurance policy covers the policy holder’s individual needs; otherwise it is effectively a waste of money.

Endsleigh Insurance has put together a guide to help you buy the right travel insurance policy:

Does the policy cover emergency medical treatment, hospitalisation and repatriation (being returned to the UK)?

Endsleigh recommends that a policy should provide around £2 million of emergency medical cover for European travel and £5 million for worldwide travel

If a policy doesn’t have the correct medical cover, then policy holders may well be expected to pay bills amounting to thousands of pounds. It’s particularly important that the policy covers return to the UK in the case of a medical emergency

Policy holders should remember to declare any medical conditions that they currently have, or the insurance policy could be treated as invalid and will not pay out

Does it cover scheduled airline failure?

It’s important to note that not all policies automatically cover the failure of scheduled airlines. Generally speaking, if policy holders are booked on a package holiday then this isn’t something they need to worry about. However, if they have booked a holiday and flight separately, then they should make sure they are covered for the collapse of the airline company

Does the policy cover personal liability?

It is important that the policy should include personal liability cover. In the event of someone being injured by the policy holder or if the policy holder accidentally damages someone else’s property, the injured party may make take action against you

Does it contain holiday cancellation cover?

Most policies will provide cover for cancellation in the event of being called for Jury service or being made redundant, or if there is an illness or a death in the family. However it is really important to know exactly what is covered and how much can potentially be claimed back

In the event of a family illness, policy holders should declare this to their insurer before going away. Some insurance companies will not cover cancellation fees if the cancellation is associated to something policy holders were already aware of when they took out the policy

Does it cover replacement of my personal possessions?

The maximum most insurers will pay out for an individual item is between £200 and £500, so if planning to travel with expensive items it is best to insure them separately. However, it is worth first checking household insurance policies as some will already provide coverage

It is important to bear in mind a realistic value for possessions included in travel plans

What excess do I pay if I need to make a claim?

Some cheap insurance policies carry an extortionate excesses figure

Excesses can range from zero to £500

The lower your excess the better for the policy holder in the event of a claim

If a policy is cheaper but has a high excess it doesn’t make it better value for money as it means it will cost you more to make a claim

Endsleigh Insurance offers a range of competitive travel insurance policies to suit individual needs. Policies can be tailored to provide cover whilst studying or to include certain more adventurous activities.

Looking for Travel insurance from Endsleigh? More information Here
Source: Endsleigh Insurance

Thursday 19 July 2012

School is finally over on Friday, so don't forget your insurance

Photo of Villefranche-sur-Mer, France courtesy of
It is the 20th July on Friday and finally the start of the long school holidays for many. Long well only around 6/7 weeks and after all many schools broke up at the start of July. Even the House of Commons has broken up.

Mind you unless you had been taking a holiday in the north of Scotland before this you will have had a rather wet time.

The good news is that apart from these holiday times starting the terrible weather is due to improve from Sunday according to the UK's Met Office, which will be good for the start of the London 2012 Olympics.

So you have booked that holiday, booked the hire car or motorhome, did you remember the insurance?

At the jml Insurance site there are a great choice of insurance companies advertising their products - Endsleigh, Essential Travel, Worldwideinsure, and many more to be found by following this link

What about car hire excess insurance, or even motorhomehire hire excess insurance?

At the site there are 9 Car hire excess insurance companies to choose from plus 2 Van hire and 2 for Motorhome hire excess insurance (+1 for 9 seater minibus hire) to choose from.

Three of the companies are running special deals for customers buying through the links at the jml Insurance sites - the company that started car hire excess insurance a number of years ago, customers can save £9.80 off the £49.00 annual Europe 31 days policy by only having to pay £39.20 (Or € Euro equivalent) if they purchase via a link from the jml Group/ sites.

The insurance4carhire worldwide 31 days is currently being discounted from £65.00 to £52.00 a saving of £13.00. (Or € Euro equivalent) To get the lower price the consumer must go into or and go to the insurance4carhire logos or pages.

Questor Insurance are continuing to offer their 10 per cent discount their car hire excess insurance by adding a discount code when they buy using the link from the jml websites and this arrangement will continue till the end of 2012

Finally the Family & Partners Worldwide 31 Cover for 2 policy holders costing £99.99 has gone down to £95.00

Recently Odyssey car hire excess insurance launched a campaign for the next twelve months.

Four of their products have a price reduction: Europe 31 European Excess Cover - Euro Odyssey which normally costs £39.75 is reduced to £39.00. (Or € Euro equivalent).

Daily Odyssey - Daily Car Hire Insurance that normally costs £3.99 can be yours for £3.89 (Or € Euro equivalent).

World Odyssey - Worldwide Car Hire Insurance costing £59.99 has been reduced to only £51.00 (Or € Euro equivalent)
Finally the Family & Partners Worldwide 31 Cover for 2 policy holders costing £99.99 has gone down to £95.00.(Or € Euro equivalent)

This type of news will surely brighten the holiday makers day and of course many of these policies can be bought for advance us. So if you are not planning on going on holiday till September, you should still be able to buy now, but are advised to check the individual insurance company's terms and conditions.

Apart from these offering extra discounts it looks like all the other companies advertising - Worldwideinsure,, iCarhireinsurance, Essential Travel and Protectyourbubble are very competitive.

More information at  

Enjoy the summer is raining again!