PRN: Ensure Holiday Dreams Don't End Up A Nightmare

08/feb/2012 10.00.58 PR Newswire Turismo Contatta l'autore

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Ensure Holiday Dreams Don't End Up A Nightmare

 
[08-February-2012]
 

CHESTER, England, February 8, 2012 /PRNewswire/ --

  • Over half of holiday makers (58 per cent) drag their heels over travel insurance
  • Annual travel insurance policies often cheaper than single trip

With many Brits already booking their 2012 getaways, the count down is on for jetting off to sunny climes - but don't let it be ruined by leaving it too late to buy travel insurance, says MoneySupermarket.com.

Research from Britain's number one comparison site found over half of holidaymakers (58 per cent) delay buying cover, opting not to take out travel insurance as soon as they book their holiday. A third (30 per cent) leave it to within a month of their departure date[*] - a risky move should anything happen in the meantime that could mean cancelling a trip.

Bob Atkinson, holiday insurance expert atmoneysupermarket.com, said: "Holidays often mean precious family time, and having cover in place as soon as you book your holiday ensures real peace of mind. Cover doesn't have to break the bank - a single trip policy for a family of four travelling to Spain for two weeks in August can cost as little as £11.[1]

"It really should be a case of "book when you buy"! Taking out travel insurance when you book your break won't cost a penny more, yet as long as you've ensured cancellation is included, you'll be protected from the moment you book your travels. Beware though; don't assume you're automatically covered for all eventualities - when choosing a policy, it's vital to check exactly what you are getting as policies vary considerably. Imagine if you've booked a skiing trip for example, and you sustain an injury before you go - your holiday is dependent on you being in good health, yet without cancellation cover you face losing up to 100% of the value of your trip."

Holidaymakers also need to ensure their travel insurance covers them in the eventuality that their holiday is cancelled or disrupted due to their travel company collapsing - if not, they'll lose their hard earned cash.

Bob Atkinson, continued: "Taking out insurance with 'end supplier failure' is a wise move. Not only will this ensure you get a full refund if your airline or accommodation provider goes bust before you leave, it will also help to cover the cost of any arrangements you need to make if this happens while you are away, such as booking a return flight."

Families should also bear in mind the number of trips they are likely to take in one year, as its often more cost effective to buy an annual multi-trip policy; annual European cover for a family of four, for example, can cost from £26.[3] The levels of cover, particularly for medical expenses, baggage and cancellation, tend to be more generous on an annual policy too so it pays to think carefully about where you intend to travel, and when. The price of a single trip policy for a family of four travelling to the USA starts from around £28,[4] whereas, the price of an annual worldwide (including USA) multi-trip policy for a family of four starts from around £38,[5]and comes with half the excess charges than that of the single trip policy.

Bob Atkinson, concluded: "When comparing travel insurance policies, take some time to work out exactly what level of cover you need and don't let a couple of pounds now mean you are left under-insured when it really counts. Don't leave it till the last minute - taking cover out in advance won't cost you any more, yet you'll be thanking your lucky stars if the unexpected happens and your holiday has to be cancelled."

For the 30 per cent* of people who take out insurance at the last minute; it's not too late to shop around for the right level of cover for a half term getaway. Good levels of cover can be found for a family of four spending a week in the Canaries this month for around £10.[2]

MoneySupermarket.com recommends at least the following level of cover:

  • £2m for medical expenses
  • £1m personal liability
  • £3000 cancellation - or enough to cover the total cost of your holiday
  • £1500 baggage
  • £250 for cash
  • Policy excesses under £100
  • Cover for scheduled airline failure and end supplier failure as desirable
  • Delay cover (e.g. £20/hour for first 12 hours)

Notes to editors:

* When do you organise your travel insurance?

                                           Organise travel insurance      As soon as I book my holiday                     42%     Up to six months in advance                     8.5%     Up to four months in advance                      7%     Up to two months in advance                    12.5%     Up to one month in advance                       14%     Up to two weeks in advance                       10%     Up to one week in advance                         6% 


Based on a recent TravelSupermarket survey of 1207 respondents

[1.]Two week single trip to Spain & Canaries (6-20 August)

     Family of 4                                                           Medical                                                          Expenses Cancellation  Baggage     Provider                                    Premium    Cover      Cover      Cover                                            GBP5,000,000    GBP500     GBP500                Cheaper Travel Insurance         (GBP150    GBP100    (GBP100     Best Price Single Trip Standard            GBP10.90   Excess)    Excess)    Excess)     Recommended                            GBP5,000,000  GBP3,000   GBP1,500     Cover      Holiday Extras                   (GBP150   (GBP150    (GBP150     Levels     Supersaver                      GBP11.80   Excess)    Excess)    Excess)                                           GBP10,000,000  GBP3,000   GBP1,500                Debenhams                        (GBP150   (GBP100    (GBP100                Essentials Single Trip          GBP11.85   Excess)    Excess)    Excess)                                           GBP10,000,000  GBP3,000   GBP1,500                Virgin Money - ms.com Exclusive  (GBP150   (GBP100    (GBP100                Essentials Single Trip          GBP11.95   Excess)    Excess)    Excess)                                           GBP10,000,000  GBP5,000   GBP1,500                 Post Office                      (GBP60    (GBP60     (GBP60                 Classic Single Trip            GBP53.50   Excess)    Excess)    Excess)                  Sourced by http://www.moneysupermarket.com  20.01.2012 


Sourced by http://www.moneysupermarket.com 20.01.2012

[2.]Family of 4 - single trip to spain & canaries (11-18 February)

                                                  Medical Expenses Cancellation Baggage                 Provider             Premium         Cover           Cover      Cover                 Cheaper Travel                 Insurance                                            GBP500     GBP500                 Single Trip                       GBP5,000,000      (GBP100    (GBP100     Best Price  Standard              GBP10.10  (GBP150 Excess)     Excess)    Excess)                 Virgin Money -     Recommended ms.com Exclusive                                   GBP3,000   GBP1,500        Cover    Essentials Single                GBP10,000,000      (GBP100    (GBP100       Levels    Trip                  GBP10.15  (GBP150 Excess)     Excess)    Excess)                 Debenhams                                          GBP3,000   GBP1,500                 Essentials Single                GBP10,000,000      (GBP100    (GBP100                 Trip                  GBP10.30  (GBP150 Excess)     Excess)    Excess)                                                                    GBP3,000   GBP1,500                 Holiday Extras                    GBP5,000,000      (GBP150    (GBP150                 Supersaver            GBP11.00  (GBP150 Excess)     Excess)    Excess)                 Post Office                                        GBP5,000   GBP1,500                 Classic Single                   GBP10,000,000       (GBP60     (GBP60                 Trip                  GBP40.00   (GBP60 Excess)     Excess)    Excess)                  Sourced by http://www.moneysupermarket.com  20.01.2012 


[3.]Family of 4 - Annual multi-trip Europe

                                                    Medical Expenses  Cancellation Baggage                 Provider                 Premium         Cover           Cover      Cover                 Cheaper Travel                 Insurance                                                GBP500     GBP200                 Annual Multi-trip                    GBP5,000,000       (GBP100    (GBP100     Best Price  Standard                GBP26.27   (GBP150 Excess)     Excess)    Excess)     Recommended Virgin Money -                                         GBP3,000   GBP1,500        Cover    ms.com Exclusive                    GBP10,000,000      (GBP100    (GBP100       Levels    Annual Multi-Trip       GBP36.54   (GBP150 Excess)     Excess)    Excess)                 Debenhams                                              GBP3,000   GBP1,500                 Essentials Annual                   GBP10,000,000      (GBP100    (GBP100                 Multi-Trip              GBP36.76   (GBP150 Excess)     Excess)    Excess)                 Protect Your                                           GBP3,000   GBP1,500                 Bubble                              GBP10,000,000       (GBP75     (GBP75                 Standard AMT            GBP43.27    (GBP75 Excess)     Excess)    Excess)                 Post Office                                            GBP5,000   GBP1,500                 Classic Annual                      GBP10,000,000       (GBP60     (GBP60                 Multi-Trip              GBP79.04    (GBP60 Excess)     Excess)    Excess)                  Sourced by http://www.moneysupermarket.com  20.01.2012 


[4.]Family of 4 - Single trip to USA (6-20 August)

                                                    Medical Expenses  Cancellation Baggage                        Provider         Premium         Cover*          Cover*     Cover*                 Travelinsuranceweb.com                                  GBP500     GBP500                 - ms.com exclusive                   GBP5,000,000      (GBP200    (GBP200     Best Price  Budget Single Trip      GBP28.06   (GBP200 Excess)     Excess)    Excess)     Recommended                                                        GBP3,000   GBP1,500        Cover    Holiday Extras                       GBP5,000,000      (GBP150    (GBP150       Levels    Supersaver              GBP31.00   (GBP150 Excess)     Excess)    Excess)                                                                        GBP3,000   GBP1,500                 Debenhams                           GBP10,000,000      (GBP100    (GBP100                 Essentials Single Trip  GBP32.30   (GBP150 Excess)     Excess)    Excess)                 Virgin Money - ms.com                 Exclusive                                              GBP3,000   GBP1,500                 Single Trip inc Winter              GBP10,000,000      (GBP100    (GBP100                 Sports                  GBP37.70   (GBP150 Excess)     Excess)    Excess)                                                                        GBP5,000   GBP1,500                 Post Office                         GBP10,000,000       (GBP60     (GBP60                 Classic Single Trip    GBP120.00    (GBP60 Excess)     Excess)    Excess)                 Sourced by http://www.moneysupermarket.com  20.01.2012 


[5.]Family of 4 - Annual multi-trip Worldwide inc USA

                                                    Medical Expenses  Cancellation Baggage                 Provider                 Premium         Cover           Cover      Cover                 Protect Your                                           GBP1,500   GBP1,500                 Bubble                              GBP10,000,000      (GBP100    (GBP100     Best Price  Economy AMT             GBP38.83   (GBP100 Excess)     Excess)    Excess)     Recommended Virgin Money -                                         GBP3,000   GBP1,500        Cover    ms.com Exclusive                    GBP10,000,000      (GBP100    (GBP100       Levels    Annual Multi-Trip       GBP48.38   (GBP150 Excess)     Excess)    Excess)                 Protect Your                                           GBP3,000   GBP1,500                 Bubble                              GBP10,000,000       (GBP75     (GBP75                 Standard AMT            GBP48.57    (GBP75 Excess)     Excess)    Excess)                 Debenhams                                              GBP3,000   GBP1,500                 Essentials Annual                   GBP10,000,000      (GBP100    (GBP100                 Multi-Trip              GBP52.19   (GBP150 Excess)     Excess)    Excess)                 Post Office                                            GBP5,000   GBP1,500                 Classic Annual                      GBP10,000,000       (GBP60     (GBP60                 Multi-Trip             GBP137.87    (GBP60 Excess)     Excess)    Excess)                  Sourced by http://www.moneysupermarket.com  20.01.2012 


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