Make a Smart Purchase: Get Travel Insurance Online

October 18, 2011 by
Filed under: Travel 

Be it a business trip or a family holiday, people have now started undermining domestic boundaries quite frequently for a variety of reasons. Nowadays, with the increasing globalisation and modernisation, people usually tend to travel across domestic boundaries quite often.

However, today travel insurance provides protection for you and family during times that are supposed to be relaxing, not stressful. Whether it’s your trip, your luggage, health, or possessions, the right kind of travel insurance has come to play a prominent role for smart travelers.

Damage and Loss Cover This deals with either damage to, or loss of the caravan. Caravans up to 5 years old should qualify for “new for old cover” which is when new caravan/parts are provided. When the caravan is older than 5 years, then it is normally the “market value” cover which will come into play. In other words any replacement will be calculated according to the current market value of the caravan.

Many people are still relatively unaware of travel health insurance, baggage coverage, and even medical evacuation insurance. There is yet another kind of insurance that’s available to air travelers that airlines have been more hush-hush about excess valuation insurance.

Public Liability Cover This is there to protect the caravan’s owner/s against claims for loss or injury to a member of the public, which was caused by the caravan or use of the caravan. Again the conditions of this cover vary so you need to check out the famous small print carefully, for example to see if anyone who borrowed the caravan would be covered. The type of cover is normally set to between 1 and 2 million pounds.

Continental Cover If you intend to travel to Europe, continental cover is essential. This is not always included in a standard policy so make sure you check whether it is included in yours, or whether you need to purchase it as an additional item. Be aware that continental cover does not necessarily cover the whole of the continent. Certain former Soviet states such as Albania, Hungry, Bulgaria or the Czech Republic are not covered. Make sure any excess payments are set at level you are happy with. The excess payments are ones you are responsible for before the insurance company pays out. For example if your insurance claim was for 400, and your excess was for 100, the insurance company would only pay you 300. Higher excess payment can sometimes mean lower insurance premiums.

Finally, in case you have to make an emergency trip for any purpose, then buying travel insurance online is the fastest possible manner. Doing this, you will not have to phone around or even visit a number of insurance companies offices for getting quotes. After you have selected a policy online, you may also opt to pay for it there and then. Easy payment methods such as debit/credit cards and even EMI system can be availed while buying it online. One should always first determine his primary requirements within a policy and then facilitate a detailed comparison among several plans before making a purchase decision. The best part of buying it online is that you are free to choose from a variety of options and you will ultimately be under no pressure. So, buy it when you are ready.

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Comments

3 Comments on Make a Smart Purchase: Get Travel Insurance Online

  1. Chris on Tue, 18th Oct 2011 12:56
  2. yes I agree with you travel insurance is really necessary if you want to enjoy without any stress.Now a days travel insurance provide various cover such medical cover,personal liability cover and continental cover.So you can search various deals online and make your journey safe and secure.

  3. Emma John on Wed, 19th Oct 2011 08:08
  4. Hey very nice blog. Travel insurance coverage includes travel medical and evacuation insurance, trip delay and cancellation, baggage insurance and many more. However you should confirm if it is providing the services you want and fulfilling all your need before finalizing it.Annual travel insurance plans depends on age, trip length, trip cost etc. and in case you want to cancel your trip then trip cancellation will depend on the cost of your trip.

  5. Rose Roshan on Wed, 19th Oct 2011 13:04
  6. Online travel insurance option is a great wonder for the people those who always requires to visit due to several reasons. This is also a great opportunity for the people to secure their traveling well away from the home. Thanks for this post!

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