Post Office Travel Insurance

You have ensured that the pamphlets, magazines about the Internet and the required deposit - the big holiday countdown has begun! The time to consider the other things - such as travel insurance. Take some time now and save problems later

What do you cover?

Nobody wants to be in need of insurance in foreign countries. All policy limits and exclusions. You must know what is and importanly, not by the police prior to your trip.

The requirements of the base:

• 24 hours emergency assistance and to cover legal costs. Write down this number at different locations, so you can easily find when you need it.
• Medical insurance for at least 1 million pounds in Europe and in the amount of 2 million pounds in the U.S. and the rest of the world. May seem that an enormous sum, but it covers the cost of an aircraft ambulance must be required.
• At least 1500 pounds for your personal and luggage. Most politicians have a single point is limited. Check this figure out of politics on the doorstep, as the cost of replacing an expensive looking camera.
• At least 3000 books "cancellation or reduction" cover. It includes, for example, if you cut too short, your return from holiday at home due to urgent family. You may also claim reimbursement of travel expenses of prepaid reserved.
• At least 1 million pounds of personal liability cover in cases where you injure someone or damage their property.
• Your insurer must be a member of the Financial Ombudsman Service. They are an unbiased organization that can help you get injuries and compensation. Their services are free and can be very valuable in the event that You May, a dispute with an insurer.

Tips and recommendations for the purchase of your policy:

• Always come back to the insurer by the medical background knowledge - in the absence of a communication dated May your void.
• Read the details and many questions that you understand what your police covers.
• Check the coverage of exceptions and limitations. For example, you need to cover the sport? Check the details.
• And remember. Check the excesses of politics.
• Check your household policy (personal or all risks section) to cover your goods may, if you are away from home. They cover luggage travel policy can help you save on your premium.
• Advantage Travel in Europe - a European Health Insurance Card (replaces the E111 form in 2006). Obtain a form for the post office, fill out and send the whole thing. Many insurance companies waive the cost of setting up 50 to 100 pounds for the excess on the policy. This card is valid only in Europe.
• Check with your credit card and your bank - certain types of travel insurance before generally considered an advantage. Ring and check, or for an agency - you will save money. Not on the travel accident insurance provides a credit card - which only a very small amount of health insurance and is usually not sufficient to grant your wishes.
• Buy your policy, an insurance company, not a travel agent. Did the survey in 2006 said travel representatives are generally more expensive and May is not the right coverage for your needs. Currently the agencies are not subject to financial regulation, if the insurance is sold as part of a package, can therefore not covered by the Financial Ombudsman Service - if something goes wrong, you'll be May, little use.

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