Travel Insurance Recommendations
- Thread starter LiE
- Start date
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
If they covered the event - which a lot of them didn't. Besides, the airline pays for the accomodation and whats a weeks car hire, it's not expenive enough to get bent out of shape about and it was a once in a lifetime event.
Well there we go then...
I still dont think there is anything wrong with the more basic travel insurance policies if you are an independant traveller who simply wants the essentials and doesnt mind if they wont cover a lost wallet or a sitting on an ipad or whatever else it is people insist they MUST have when on holiday.
And besides, we are currently agruing its unsuitability based on some reviews on an internet site - we have no background information as to the cases involved and thats 16 bad reviews out of how many policies?
Last edited:
[TW]Fox;18144759 said:
The airline wouldn't pay for the car hire, as far as I know.
My travel insurance paid out for the two once in a lifetime events in the past couple of years. Yours didn't. Yours only cost £22, to me that's insurance that doesn't insure.
So what, I fail to see why it matters. Mooch around the hotel for a bit, get a cab into town, I dunno. That sort of event is so ridiculously rare it isnt even worth thinking about, whatever happened you wouldnt be massively out of pocket.
It's insurance that potentially doesn't insure against natural events based on the words of people on the internet. It depends why you buy insurance - as I keep explaining, a lot of us don't buy travel insurance to cover us against snow or something. A lot of us buy insurance to cover us against the things we genuinelly CANNOT afford to pay for ourselves, therefore cannot afford to take the 'risk'.
ie, medical bills.
I'm glad your insurance 'paid out'. Infact, did it? Did you personally claim for either of those events? If you didnt its a rather moot point, you'd have been in the same financial position with the cheaper insurance
This is what i mean about travel insurance. People insist it has to cover everything. They want volcanoe cover. Wallet loss cover. Iphone cover. Walrus attack cover. Super Massive Ultra Liability cover. Wallaby attack cover. Extreme Ironing in Space cover. Then they pay an absolute fortune for the privilage and never end up claiming anyway.
Most of you live your daily life quite easily without any insurance for the contents of your wallet, or personal liability insurance. Yet when you go shopping for travel insurance you pay a shedload to get cover for that sort of stuff..
Insurance is there to protect you against liability for expenses you cannot afford yourself. People can afford another weeks car hire on a £1k+ holiday to the States. People can afford to drop a wallet because it needn't be full of 'travel money' they've been conned for the exchange rate on at Thomas Cook. People can afford to have the airport shut because the airline will front the costs involved as long as its an EU airline. People CANNOT afford to pay cash for medical bills in some countries, and thats the reason we buy things like travel insurance. Thats what its there for.
All this extra 'cover' is just padding the insurers want you to pay for to increase the profit margin on selling the insurance.
Plus you don't even know the insurers would reject these claims anyway. Seems that on some of those examples you quoted the insurer rejected claims bought after snow had caused choas in the UK - 24th November. Hardly suprising is it, given you can bet your bottom dollar most of those policies were bought as people realised that snow might be a problem...
Last edited:
Have used AA in the past, they were very quick paying out for medical expenses incurred whilst in the US once we were back in the UK.
Just had to provide the invoice and a cheaque came in the post very soon after.
Would not want to have to fork out for medical stuff in the US, a hotel visit by a doc and a couple of valium (lol they weren't needed) was around £160 I think.
Just had to provide the invoice and a cheaque came in the post very soon after.
Would not want to have to fork out for medical stuff in the US, a hotel visit by a doc and a couple of valium (lol they weren't needed) was around £160 I think.
- Joined
- 13 Apr 2010
- Posts
- 18,478
- Location
- Sunny Sussex
I have free insurance with my current account, it's pretty basic but when I needed to use it in the States as I was pretty unwell after getting off the flight they paid out about £2k for all the diagnostics etc, Halifax BTW
Soldato
- Joined
- 24 Nov 2002
- Posts
- 16,379
- Location
- 38.744281°N 104.846806°W
Whenever I travel I'm covered by work for almost anything.
For personal travel, I've used STA a few times but they're getting pricey now I'm getting older. For me, bank £x per month offers the best deal.
For personal travel, I've used STA a few times but they're getting pricey now I'm getting older. For me, bank £x per month offers the best deal.
Hardly much of a recommendation when you have no experience what they are like when you really need to put them to the test, ie., make a claim, so really no better than my recommendations!
Last edited:
I agree with Fox, my worldwide (inc. USA) travel insurance cost just £38 for me and my fiance. I essentially only want it to cover emergency medical expenses. I don't care if it doesn't cover losing 5 million Euros in cash from my back pocket.
I've got direct experience of having travel disrupted by the volcanic eruption. I didn't need to involve the travel insurance company, the airline picked up the tab.
I've got direct experience of having travel disrupted by the volcanic eruption. I didn't need to involve the travel insurance company, the airline picked up the tab.