Don’t trust the fashionistas: the must-haves for this summer trip aren’t neon yellow beachwear or unnecessary lace-up sandals, but something comfortable to lay on. in the departure lounge and a strong travel insurance policy.
The airport chaos and cancellations we’ve seen over the Easter break and the half-term doesn’t seem to be completely sorted out by the time summer kicks in, so being properly equipped is key. necessary, needs.
Unfortunately, buying insurance doesn’t always mean you’ll be paid when things don’t go your way. The most recent statistics from the Association of British Insurers for 2019/20, when only 83% of claims were paid.
For real peace of mind this summer, you need to be aware of 10 common mistakes that can cause a request to be denied, so you can avoid making that mistake.
1. Buy insurance too late
You’re only covered from the day you bought the insurance, so if something goes wrong between booking and traveling, your insurance company won’t be able to help.
You should buy immediately after booking your vacation to be safe.
2. Use annual insurance without checking the specifics of your trip
If you get annual coverage, either as a standalone policy or as part of a packaged bank account, you need to make sure your trip is covered.
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Some policies limit covered destinations, while others exclude certain types of holidays.
3. Don’t read the exclusions
You need to look through all the exclusions in the small print before you buy, so you know exactly where you stand.
Different policies will cover very different things, so that’s the only way to make sure you have the cover that matters most to you.
Take your time and think carefully about every term. For example, if it says you’re covered for the first leg of your journey abroad, leaving the UK, you won’t be covered for any connecting flights.
It’s also worth going back to the small print before you make any decisions. For example, if your flight is canceled and you are offered a new flight 12 hours later, you might consider do not disturb and just claim your insurance instead. However, a quick check of exclusions may reveal that you don’t fall under these categories.
4. Don’t Ask for What’s Available Elsewhere
Most travel insurance won’t cover you if you can get it from another source. Flight delays are a good example, because once you’re delayed for a significant amount of time, the airline will have to take care of you.
5. Overpaying for getting everything right
In some cases, there is a fixed limit. So, for example, if you miss your flight because your car breaks down on your way to the airport, there may be a limit to how much you can pay for a replacement ride. If you spend it all on a new flight the next day and then book a hotel room overnight, accommodation costs won’t be covered.
In other cases, there is no fixed limit, but they expect your costs to be reasonable. It means you can’t risk overpaying for a flight or checking into a luxury hotel, because they’ll assume these aren’t really necessary.
6. Giving up on your trip too soon
You may be covered for missing a vacation because of the long delay, but only if it reaches a specific delay period – usually 24 hours.
If you give up early, you may not be covered. If you have a good reason to do so, you may end up winning the argument, but that’s not guaranteed.
7. Look out for the excess
There can be different excesses for different types of claims, which can range from £50 to hundreds of pounds.
Under the family policy, you may need to pay the excess for every family member. Make sure you check what you will be held responsible for if something goes wrong, so there are no nasty surprises.
8. Excludes pre-existing conditions
When you complete the medical details, make sure you include everything you can think of.
Allergies, asthma, anxiety, and fractures in the previous three months are all on the list, and may not be the first things that come to mind when buying a two-week sun visor.
If you need to make a claim, the insurance company will review your medical records and anything related that is not declared could mean your claim is denied.
9. Do not keep papers
Error on the cautious side, and keep all that. You need a record of everything – from the original stay to any expenses to fix things, medical care, and police reports. You won’t be denied a request for submitting too much paperwork, but you may be denied for submitting too little.
10. Not taking proper care
This includes everything from packing valuables into your carry-on or leaving things unattended on the beach to activities that seem risky – including a Night outs involve drinking too much alcohol.