Not reading your travel insurance policy wording can be very costly!
Do you read your contract before you buy a car or take a new job? Of course you do! How about when you buy travel insurance? That’s a contract too you know, and there could be a lot of money at stake if you have to make a claim.
An alarming statistic revealed in recent research that we conducted with YouGov is that only 24% of adults who have taken out travel insurance always read their policy wording in full! Another 58% said they read “some parts” but we’ll leave it to you to guess how many seconds of reading that involves…
What’s the difference?
Travel insurance – and any insurance policy wording really – must be read carefully. They’re likely to differ widely, even if you repeat a purchase from the same provider.
Even one small change in terms and conditions can have a large impact on the cover provided. Ignoring those terms and conditions can also make your claim invalid – which means you won’t get paid.
Imagine you take out travel insurance for a trip to Morocco, but you don’t notice the condition that says trekking above 3000 m is not covered… You go on a 2-day trek in the High Atlas and break a leg.
You wouldn’t be covered and would have to pay all medical expenses yourself – as well as costs to change your flight and accommodation bookings if you need to return home early. Helicopters off mountains are expensive! Mules are cheaper but much slower and very uncomfortable if you have a broken leg. Healthcare in Morocco simply isn’t the same as the NHS.
One of the most common unnoticed exclusions is terrorism. Our survey with YouGov found that a large percentage of Brits believe they would be covered for acts of terrorism under a typical travel insurance policy, when in fact, most policies exclude terrorism entirely or provide only limited cover.
- 1 in every 4 respondents thought cancellation due to an act of terrorism was covered by their usual travel insurance. It isn't.
Safe Journey is the only UK policy that covers cancellation if there’s an act of terrorism!
- 32% believed that curtailing a trip would be covered if there was terrorism nearby.
- 37% thought terrorism-related delays would be covered, but this is another common misconception.
Without specialist travel insurance, the cost of cancelling or cutting a trip short can run to hundreds, or even thousands of pounds.
- Unused accommodation
- New flight bookings (and often no refund on the old ones)
- Pre-paid activities and tickets that can’t be used
- Medical bills if you’re injured
Being delayed due to terrorism can also become costly, especially if there are airport delays or you have to book alternate or extra accommodation. You would also need to buy food while you wait, and pay for transport, possibly extra clothing and other supplies… it all adds up.
You owe it to yourself to read every word of your travel insurance policy so you know exactly what you’re buying.
Reading your Safe Journey policy wording costs absolutely nothing, except for 30 minutes of your time.
It could save you having to pay...
|Cover||Sum Insured Per Person||Excess|
|Emergency medical expenses||£1,000,000||-|
|Evacuation & emergency temporary accommodation||£1,000||-|
- Permanent total disablement
|Cancellation and Curtailment||£2,000||£100|
£20 for every 8 hour period, up to a maximum of £200 per person.
- Valuables - up to £250 per item
- Cash, if under 18 years limited to £50
- Luggage delay
£75 (nil if under 18 years)
|Withdrawal of Services||£200||-|
Read it. Please. And get in touch if you have any questions!
The information above is a summary of the Safe Journey policy only. For full details of cover, exclusions, terms and conditions, please see our Policy Wording.
Research referenced was conducted by International Travel and Healthcare with YouGov Plc. The survey was carried out online between 19-20 July 2016. Total sample size was 2026 adults. The figures have been weighted and are representative of all GB adults (aged 18+).
Recent Blog Posts
- UK Government Coronavirus Campaign
- Looking Forward To 2021 Journeys
- The Changing Face Of Terrorism
- Travel Safety Round-Up: 9/3/2020
- New Laws To Make Us Safer
- Coronavirus Update: 25/2/2020
- Travel Safety Round-Up: 25/2/2020
- Terrorism In The Maldives
- Coronavirus Update: What YouNeed To Know
- Travel Safety Round-Up: 10/2/2020
- March 2020
- February 2020
- January 2020
- December 2019
- November 2019
- October 2019
- September 2019
- August 2019
- June 2018
- May 2018
- April 2018
- March 2018
- February 2018
- January 2018
- December 2017
- November 2017
- October 2017
- September 2017
- August 2017
- July 2017
- June 2017
- May 2017
- April 2017
- March 2017
- February 2017
- January 2017
- December 2016
- November 2016
- October 2016
- September 2016
- August 2016
- July 2016
- June 2016
- May 2016
- April 2016