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7 August 2017 | Comment | Article by Katherine Allen

Top tips for buying travel insurance

Do You Need Insurance?

Some bank and credit card accounts come with benefits which often include travel insurance. If you have such an account check the terms of the travel insurance policy to make sure it includes everything you need – winter sports or cover for hazardous activities may be excluded under the standard policy.

Disclose, disclose, disclose

When you buy a travel insurance policy you will be asked certain information which allows the insurer to set the premium including your medical history. If you fail to disclose an important piece of information your entire policy may be void as a result – it is just not worth taking that risk.

What level of cover?

Most policies provide cover for cancellation or curtailment of the holiday, personal liability insurance in the event that you cause injury to someone else or damage someone else’s property, cover for missed departures or travel disruption, cover for personal money, possessions and loss of passport and travel documents and legal expenses cover to cover legal costs in the event that you need to make a claim for damages for personal injury arising out of an accident while you are away.

European Health Insurance Card

If you are travelling to Europe it is worth obtaining one of these and carrying it with you to minimise delays in getting treatment while your insurance documents are retrieved. Over half the population in the UK don’t have one, and in the last year almost 5.3m expired, so check yours. Apply for a EHIC here.

Single trip versus multi trip

What will work best for you will depend on how often you are likely to be travelling abroad in any given year. If you obtain a multi-trip policy you must remember to update the insurer if any of your details change.

Author bio

Katherine Allen


Katherine acts for Claimants in cases across the whole range of travel personal injury litigation including package holiday claims, foreign RTAs, aviation accidents, accidents on cruise ships, foreign employers and occupier’s liability claims.  She has over 18 years’ experience in this field and has particular expertise in serious brain and spinal injury cases and cases involving points relating to jurisdiction and applicable law.

Disclaimer: The information on the Hugh James website is for general information only and reflects the position at the date of publication. It does not constitute legal advice and should not be treated as such. If you would like to ensure the commentary reflects current legislation, case law or best practice, please contact the blog author.


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