Business or pleasure, essential cover whether you are flying to Europe or planning that round the world trip. We have a range of travel products with Annual policies for the frequent traveller to single trip and activity policies for the Skier or Scuba Diver. We can arrange expatriate and visitors travel cover too. Full details and a quotation can be obtained by contacting us with your itinerary. You can also now buy your travel insurance online. Just click here. (Please note that this link opens in a new window.)
Suitable insurance is an essential, when travelling. Price should not be the sole consideration but the factors below should be taken into account before purchasing a policy:
- Policy Excess An excess is applicable under most sections of a travel policy. This is usually highlighted in the prospectus and will be detailed in the policy / certificate.
- Conditions Exclusions and Warranties It is important to read and understand these as cover can be invalidated by failure to observe these or to disclose material facts.
- Property / Policy Limits Luggage, Money and Valuables limits should be checked as travel policies generally have low limits under these sections. An all risks extension on a household policy may provide better cover. Property claims are not normally settled on a “new for old†basis, but on the value of the goods allowing for wear and tear.
- Health Travel policies do not normally cover any claims arising directly or indirectly from pre-existing medical conditions. It may be possible to declare these conditions to the insurers and obtain terms.
- Dangerous Sports or Pastimes It is important to check that the policy purchased covers such pursuits before they are undertaken.