Planning a holiday for yourself can be one of life’s simple pleasures. Having a break to look forward to gives us all a little more motivation to work hard, so ultimately, we can take a well-deserved holiday within the year. Whether you’re planning to go skiing, have a beach holiday or a city break – a holiday is a little bit of bliss for anyone.
When planning your trip, you may have thought about the necessities such as your ideal location, accommodation, activities, nearby must-see places and the local cuisine. These parts of trip-planning are the most exciting, gathering photos and reading reviews are among some pleasures of the planning process. However, insurance is among the neglected necessities of organising holidays. Travel insurance (among other insurance) is often thought about as a last-minute add-on or forgotten about altogether. Here are some top insurance tips to think about when you are going on holiday.
Holiday goers most important type of insurance is travel insurance. Travel insurance covers you for anything from lost luggage to medical bills, but comparing different policies is also important, as you may get more cover on some then others – and watch out for an excess fee!
A comprehensive travel insurance policy will offer:
- Personal liability cover
- Emergency medical cover
- Death and disability cover
- Luggage cover
- Losses incurred due to unforeseen cancellation or having to cut your trip short
By taking out travel insurance you are protecting yourself against the risks that come with travelling – such as unexpected medical costs.
Car Hire Insurance
Holidays also give you the opportunity to explore the country you are visiting. You can hire a car whilst you are abroad to go exploring – let’s talk about car hire insurance.
Some car hire companies include car hire insurance within their rentals – however, it is best to check what this policy includes, as it could potentially only be basic cover. Basic cover usually includes damage cover, theft cover and injury or property damage by a third party.
It would be worth having a look at what other car hire insurance is on the market – you may get much more cover for a small fee, which would be the best suited protection for you and your travel companions.
Car Hire Excess Insurance
This type of insurance is a great add-on when you are on holiday as most car hire insurance policies have a big excess pay out. It is worth getting insurance to protect yourself from the excess which you could potentially occur.
Car hire excess insurance allows you to claim back the excess that is billed to you if you have to make a claim on your car hire insurance. Direct Car Hire Excess insurance allows you to not worry about the high excess charges and will give you the assurance that you can claim back the excess you have paid out.
By taking out travel, car hire and car hire excess insurance will give you the best protection whilst you’re on holiday and will keep your holiday companions safer too. Don’t have the worry of medical bills or high excess costs, sit back and enjoy your holiday knowing you are fully covered.