Top Tips About Baggage Cover On Your Travel Insurance
16 Feb 2016
Whats the total value of your baggage when you travel? You may be surprised at what it adds up to!
If you were planning on saving the cost of getting cover for your baggage when you take your next trip, think again. Even if you travel light and dont take designer clothes, or your best jewellery, you would be surprised what the cost of replacing your luggage might be. By the time youve costed up your clothes, passport, iPhone, laptop, Kindle, you will be running into hundreds of pound. It pays to tot up your items before you travel, or you could be in for a nasty shock if anything gets lost or stolen and you can almost certainly add baggage cover to your travel insurance for a fraction of the cost.
- Be aware of policy single article limits this may work out to be be less than the value of some of your items.
- Check the total valuable limits your accumulated valuables could exceed this.
- Know your policy excess are you happy to have this deducted if you make a claim?
- Take photos of your valuables if you dont have receipts this may help as proof of ownership.
- Be aware of policy claims requirements – report any loss / theft to the local police, holiday rep. or hotelier.
How Can I Insure My High Value Items
Any high value items you own those that have a higher value than the single item limit should be listed separately on your contents insurance policy.
You can do this when you complete a quotation for contents insurance and while this might push up the cost of your premiums slightly, it will mean you can claim for the full value of the item.
If you dont let the insurer know about items that breach the single item limit, they will not be covered and the company could refuse to pay out in the event of a claim.
In some cases, it might even be worth taking out a separate insurance policy for your valuables. The important message is to be aware of how contents insurance in general treats valuables, and what your particular policy says about getting full and adequate protection for your prized possessions.
Consider Gifting Yourself Travel Insurance Ahead Of The Holidays
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Even before the COVID-19 pandemic complicated our vacation plans, traveling during the holiday season was stressful enough. There were often flight delays, cancellations and bad weather. Now, travelers also need to worry about mandatory quarantines and border closures.
If you plan to travel during the holiday season, give yourself a new type of gift travel insurance. A travel insurance policy will offer some peace of mind in case you run into any of these frustrations.
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How Do I Value The Contents Of My Home
When valuing the contents of your house the best thing to do is make an inventory list of every single item you own. With most items, you can make an estimation of their value. However, with your high-value possessions, it may be worth getting a professional valuation as proof of value. Specialist antique dealers and jewellers can do this for you but make sure they are registered. Be sure to add up the total value as well.
To avoid disputed claims over high-value items, it can sometimes be worth taking out a separate insurance policy, or even storing them in a bank vault.
Travel Insurance For Pets
Travel Insurance won’t cover expenses associated with taking your pets abroad if your dog needs vet treatment while overseas, for example.
However, there are several pet insurance policies that cover pet travel – learn more about them in our article about Travel Insurance for Pets to find out how to get the best deal on travel insurance for pets.
Bought By Many’s Complete pet insurance policy comes with up to £2,500 of vet fee cover when travelling abroad.
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Travelling Pack Our Single Trip Travel Insurance
Wherever you are travelling to, and for however long you’re thinking of going, don’t overlook your travel insurance. It might not be the most exciting thing to think about, but it’s just as important as your passport and your travel tickets. As you might have guessed from its name, Single Trip Travel Insurance is suitable cover for you if you’re only going away once in the near future. Any more than that and you may be better off with Annual Multi-trip Cover.
Youre Our First Priorityevery Time
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So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
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What Is Minimum Premium Health Insurance
Minimum premium plan A plan where the employer and the insurer agree that the employer will be responsible for paying all claims up to an agreed-upon aggregate level, with the insurer responsible for the excess. The insurer usually is also responsible for processing claims and administrative services.
How To Find An Insurance Carrier
Purchasing travel insurance is relatively easy, and there are lots of different options in the marketplace. If you have never purchased a travel insurance plan, a good place to start are sites like InsureMyTrip.com, CoverTrip or Squaremouth, which lets you compare different carriers based on both price and coverage. You simply fill out a brief questionnaire about the trip and the traveler.
The benefit of using aggregator sites is shoppers have the ability to view the entire travel insurance marketplace and compare policies all in one place. Squaremouth also provides verified customer reviews to help travelers feel confident about the policy they are purchasing.
There is no charge to use Squaremouth, as they receive commission on every sale directly from the provider, and do not charge any type of fee to consumers.
Beyond comparison sites, you can always visit a specific travel insurance carrier’s website for a quote or call the company’s toll-free customer service number for information.
If you’re using a site like Expedia, for example, to book your reservations, you usually have the option to purchase travel insurance, too, through a third-party provider. You should make sure to carefully review the full details of the policy, because the plans are based around the trip elements and could differ every time you book, and you want to make sure you’re understand what you’re getting.
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Cover For More Adventurous Skiing And Snowboarding Activities
If you’re looking for insurance that covers more advanced or adventurous activities like heliskiing, you may want to consider a specialist policy. Insurers such as Snowcard, Ergo and Dogtag offer specialist adventure packs to cover particular sports or activities.
Snowcard allows you to personalise your insurance to fit your needs, which is a useful way of bringing your premium down if, for instance, you don’t need baggage cover. Ergo allows you to upgrade your ski insurance to Pro to encompass backcountry touring, heli-skiing, cat-skiing and Park & Pipe.
For more information on skiing off-piste, check out our article.
Do Keep Up With The News
If youre planning to depart quickly, you should scan the news and weather for any events that may disrupt your trip. Its likely that anything you find will not be covered by your travel insurance policy since travel insurance is only for unforeseen events, any hurricane threats, possible airline strikes, or other threats to your travel experience that are already being discussed in the media will more often than not be considered “known perils” and wont be covered. Obviously, if youre determined to travel, you should still purchase a last-minute travel insurance policy to possibly cover other disruptions, but its best to enter into your travel insurance purchase having a realistic expectation about what benefits are truly available to you.
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Cover Your Contents With So
If you want to make sure your possessions are covered against damage or theft, learn more about our contents insurance policies here. All you have to do is download our app and scan your belongings to find out how much contents insurance would cost you.
Get a fast quote for your mobile insurance today.
What Is Cancel For Any Reason Travel Insurance
Cancel-for-any-reason coverage is offered as an upgrade to certain policies and provides a partial refund when canceling your trip, regardless of what caused your change of heart. Among the covered reasons is fear of travel, which is excluded under a basic travel insurance policy.
Not every travel insurance company offers a CFAR upgrade. This policy must be purchased within 14 to 21 days of the first trip booking and adding it to your policy may increase your total travel insurance bill by about 50%.
Companies that offer CFAR travel insurance include:
- AIG Travel Guard
- USI Travel Affinity Insurance Services
- John Hancock
- HTH Worldwide
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When To Purchase Coverage For Canadian Customers
Only a few travel insurance companies on InsureMyTrip offer plans that cover medical emergencies and evacuation as well as cancellation, delay, and baggage. Some companies offer cancellation-only plans as well. All plans available on InsureMyTrip must be purchased before you leave Canada, you cannot purchase any of these plans once you have departed. Importantly, you cannot purchase coverage for only a portion of your trip you must fully insure it. If you do not, then the plan would be considered invalid and not provide coverage.
Need More Insure Your High
If you are planning to travel with a sizable diamond ring or state-of-the-art camera equipment, it would be wise to pay an added premium to cover these high-cost items. Alternatively, you could also look at insuring your valuables under your home and contents policy. Before doing so, check that you are able to travel with the insured items and that they would be covered when youre away from home.
Lots of insurers allow you to register your high-value belongings for an additional fee. The following details the high-value items cover available from various insurers within the market.
|Go To Insurer|
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn’t. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
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Travel Insurance : How Travel Insurance Works
Maybe youve never used travel insurance before. Or maybe youve just purchased travel insurance, and now youre scrolling through your policy documents, wondering what it all means. Were here to help!
This guide explains the basics: how travel insurance works, how to choose a plan, and how to get the most out of your coverage.
Travel Insurance That Includes Motorcycle Cover
If youre planning a road trip on your motorbike thatll take you beyond the borders of the UK, youll need a travel insurance plan that will cover your bike too.
Most standard travel policies will cover you for a moped with an engine of up to 50cc. Some, like Columbus Direct, will be able to cover motorcycles with engines of up to 125cc as part of their standard activities pack.
You’ll need a specialist motorbike travel insurance policy if your motorbike is over 125cc and you’re planning on racing or off-roading. Common exclusions to most standard motorcycling travel policies are racing and riding off-road.
You can, however, find policies that will include racing cover. The insurers who do it are normally the ones who will insure powerful bikes. Voyager and Worldwide Insure policies include racing and off-road cover as standard. They also cover bikes of any size motorbike as long as you have a full licence.
It is important to consider a motorbike travel policy that offers cancellation cover and personal liability cover, to pay out in case you cause an accident resulting in damage to someone or their property.
Check out our full guide to the best motorcycle insurers to learn more.
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What Is Not Covered By Travel Insurance
Among the most common travel insurance exclusions are pre-existing medical conditions, injuries caused by extreme sports and theft/loss of some personal items such as electronic devices and jewelry.
With most travel insurance policies, you may only be covered if you cancel your trip for approved reasons like a serious illness or a death in the family. If you want the flexibility to cancel for any reason, youll have to purchase additional CFAR coverage.
If you need to purchase travel insurance while pregnant, you should be aware that the policy may not cover all pregnancy-related conditions. If you give birth during your trip, the medical emergency coverage may not cover the expenses of childbirth. On the other hand, you may be covered if an unexpected complication in your pregnancy arises during the trip.
Additionally, most travel insurance policies wont pay for injuries that happen while youre intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination.
Finally, keep in mind that insurance companies may change their coverage at any time. As happened when the coronavirus pandemic began in 2020, many companies temporarily excluded COVID-19 infections from coverage and might do so again in the future. The insurer always has the final say on what is covered and what isnt so review your policy documents thoroughly before the start of the trip.
Does travel insurance cover mandatory COVID testing?
What About Items I Take Out And About
Items that you take with you when you leave the house, such as watches phones and tablets, are considered higher risk.
Personal possessions insurance will cover your personal belongings when youre out and about. Some contents insurance policies include personal possessions cover as standard, while others wont. Check your policy documents to see what cover you have. If youre not covered, you can usually add personal possessions insurance to your existing contents insurance for an additional cost.
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Baggage And Belongings Cover
£3,000 the value of belongings the average family takes on holiday.
Source: Association of British Insurers
Most policies include between £1,500 and £3,000 of cover for lost or stolen possessions.
However, excesses can be high and the limits you can claim for valuables are often quite low.
Insurers also have different definitions of valuables so you need to check whether youre covered for any expensive items youre taking.
There is a maximum amount called the single article limit that will be covered for each individual article.
Theres also a limit on the total amount that can be claimed for items listed as valuables.
If you have very expensive jewellery or a laptop, camera, or camcorder, the single article limit for your policy is unlikely to be high enough for your needs.
You could also check your home contents insurance policy to see if you have sufficient cover for items taken outside the home.
This is usually an added option on your policy.
More than eight out of ten people dont realise that valuables are only covered if you keep them in your hand baggage while travelling.
The total valuables limit applies regardless of the single article limit.
For example, if you have a camera worth £300 and a camcorder worth £200, but there is a total limit of £300.
In the event that both are stolen the most you would be able to claim back is £300.
Or you can rely on your home insurance if this cover is already included.
What Is The Single Item Limit For Columbus Direct Travel Insurance
Similarly, Columbus Direct has a single item limit of £300. Laptops are often classed as valuable items by travel insurance companies. That means the amount you can claim for a lost or stolen computer will be affected by the valuable item limit. So whether your laptop is covered will depend on the value of the device and the cover limit.
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What Should A Good Winter Sports Policy Include
- A high level of medical cover Skiing injuries can be very costly to treat, especially if you need to be airlifted to safety. Make sure you have at least £10m cover for emergency medical expenses.
- A wide range of sports and activities Look for policies that cover every type of activity you think you might partake in, including things like tobogganing and snowmobiling. While not all insurers will include these as standard, some will offer them as an upgrade.
- Off-piste cover Any part of a slope outside a marked run can be classed as off-piste, even a well-used shortcut between two green runs. Not all insurers will cover off-piste. Those that do may only cover off-piste skiing within certain boundaries or with an instructor, so check the policy wording. Learn more about off-piste skiing cover.
- Low excesses Saves you from paying out more than you can afford if youre injured on the slopes.
- High personal liability cover This means the insurance company will pay out if you injure someone and they seek compensation from you. This may be included in your standard travel policy. Look for policies with at least £2m personal liability cover.
- Equipment cover Many insurers will also replace broken equipment, whether its hired or owned. This includes things like skis, snowboards, and ski clothing.
Weve listed some of the best insurers for winter sports below.