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Having recently been introduced to (by ‘been introduced to’ please read ‘crashed into’) the world of parenting we took the decision to abandon a foreign holiday this year in favour of a week in the Norfolk broads. Having done the research and finally agreed on a suitable boat, which was not the speed cruiser I was after (apparently), we got to the part of the booking that asked us if we required travel insurance.
In honesty I had not even considered travel insurance as we have an annual holiday insurance policy which covers trips in the UK as long as they are longer than two nights in duration. However, I consider myself to be part of the travel insurance world and as such was interested in what the tour operator offered.
Now, I appreciate that travel insurance is important even for a UK trip. You never know if you may need to cancel the trip due to an unforeseeable event or even become the victim of crime and have possessions stolen whilst away. However, I was frankly shocked at the cost. Two adults, both under forty years old and an infant under two years old – £33.50 sir? I have long been a supporter of the “you get what you pay for” ethos, and fully understand that if you want the best travel insurance product, you may need to pay a little more than average, but this seemed a little extreme. I compared the product details with a premier single trip policy from www.holidaysafe.co.uk, which based on exactly the same trip details, with comparable cover, came out at £11.11 for the family and only £41.27 for a Annual holiday insurance policy.
Where’s the catch I here you say?
Well, in truth there is not one. I guess that sometime the best travel insurance is not always the most expensive. I would like to qualify that however by saying two things:
Check the excesses, which is the amount you will be expected to pay in the event of a claim. If the excess is set very high, the policy will be very cheap because you will not have the ability to make a claim. If the cover levels are very low or some sections have no cover, check they are not important to you.
Check the cover levels, if the cover levels are very low the value of the policy is reduced as you will again see little return in the event of a claim. Also check that all of the sections of cover exist , If any sections are missing, check that they are not important to you.
There is a fine line between cheap travel insurance and worthless travel insurance. The best travel insurance has a good balance between cover levels, excesses and premium.Please note, Holidaysafe's online prices automatically include a 15% discount against our Customer Service Centre prices.
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