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Travel Insurance - Annual or Single?

rachelandgromit Avatar
7y, 10m agoPosted 7 years, 10 months ago
Hi

I'm looking for travel insurance for me and my partner. We are going to Australia on 1st April, returning 10th May 2009. We are not only staying in Australia, we are on a 'flash-backers' trip, also going to New Zealand and Fiji. We want a decent policy, that also includes some level of money cover, although we aren't carrying alot of cash, debit/credit card mainly (alot don't surprisingly include this as standard). We have organized car hire (not sure if this effects insurance as car hire place has it), but aren't planning on doing any winter sports, etc... although if this did come as standard, great.

So, can anyone recommend a decent company, and would we be better with a single policy or taking out annual insurance - just thinking if Quidco could throw up anything that anyone is aware of!! We don't want to be ripped off or find in a worst case scenario, our insurance is c**p.

Any suggestions welcomed. We are 28 and 27 and no health or medical complaints.
rachelandgromit Avatar
7y, 10m agoPosted 7 years, 10 months ago
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#1
Most companys offer different levels of colver like Bronze Silver Gold for Eg... So its up to you to read the policys and choose whichever u feel is the most adequate cover for yous.
You can compare the price of annual and single trip but it will come down to your individual circumstance as to wether or not annual is worth while since its depends how often you travel abroad. However the policy would also cover you for UK holidays so its nice to have the annual cover for any trips in the Uk too.

There are 'backpacker' insurances available, which is prob what youll be looking at if its not the annual as its a longer length holiday. With the annual you need to be careful as some of them only allow a certain number of days that you travel abroad and you wold have already used up a lot of that allowance.

Insure & go are a good company, ive used them often. Their prices are competitive but not the cheapest but they have superb ins packages on offer and excellent customer service.
Otheriwse if your looking for the cheapest and have time to sit and compare policys, you can use compare.com or something to check prices and click on the policy brief to compare and choose your preferential policy. Actually Id compare from more than one comparisson site as I remember from doing this myself some of the comparisson sites brought up better results than others,

If you wittle it down to a few, you could phone the ins companies and get them to clarify any queries you have before going ahead and purchasing the policy.

Carol x
#2
Found mine on the site below it as a few insurance companies on it. Just check if you go Annual that it covers your trip some only cover for 30 days at a time. there are a few companies that do backpackers insurance as well as gap yr so worth a look.

http://www.holidayukoffers.co.uk/insurance.php

Happy holidays

Done a quick quote link below it explains whats covered Total £85.02 for 2 adults 40 days cover
https://www.1stoptravelinsurance.co.uk/travel-insurance-quote/Quote.asp?aff=AW&id=1&st=SingleTrip
[Travel Expert]#3
I've just been looking at a few companies and you are right, there does tend to be limits on an annual trip - alot are only 30/31 days at a time so I think it will have to be a single trip policy. We do do weekends away in the UK but have never used insurance for them before as they tend to be not worth it unless you count the GHD's as been the most expensive thing we carry!
#4
rachelandgromit
I've just been looking at a few companies and you are right, there does tend to be limits on an annual trip - alot are only 30/31 days at a time so I think it will have to be a single trip policy. We do do weekends away in the UK but have never used insurance for them before as they tend to be not worth it unless you count the GHD's as been the most expensive thing we carry!


I think an annual is worth it if you do a few trips to europe a yr, some of them only cover for uk & europe as well. Best to be safe than sorry thou lol. I heard on the radio that people who went on cheap flights and hadnt bothered with insurance got £20 from the airlines as a good will gesture when all there cases had been lost. They were told that they prob wont get there bags back ever.
#5
alfie73
I think an annual is worth it if you do a few trips to europe a yr, some of them only cover for uk & europe as well. Best to be safe than sorry thou lol. I heard on the radio that people who went on cheap flights and hadnt bothered with insurance got £20 from the airlines as a good will gesture when all there cases had been lost. They were told that they prob wont get there bags back ever.


£20!!! TBH shouldnt get anything in my op, its their own faults for travelling without ins, would have been a lot more lost if it was a medical emergency abroad !
#6
carol123
£20!!! TBH shouldnt get anything in my op, its their own faults for travelling without ins, would have been a lot more lost if it was a medical emergency abroad !


I agree. I think some people dont even think about insurance if they dont book a package holiday. Stupid... as you say whats if there was a medical emergency
[Travel Expert]#7
I think I'm going to be looking at Backpacker insurance instead. Insure and Go have quoted me £33.55 for their Backpackers Gold which includes the excess waiver and includes baggage and money cover. Anyone know of anything better than this?
#8
rachelandgromit
I've just been looking at a few companies and you are right, there does tend to be limits on an annual trip - alot are only 30/31 days at a time so I think it will have to be a single trip policy. We do do weekends away in the UK but have never used insurance for them before as they tend to be not worth it unless you count the GHD's as been the most expensive thing we carry!


Im the same, i dont add on ins for UK trips either but its nice to have if you take out the annual anyway but dont take it out with that being your reason... youd need to really be going abroad more than once in the year to take advantage.

Another thing to be careful of is the excess... you will need to make sure the policy doesnt have too high an excess charge as you pay excess for each item you claim for eg if you lost ur camera, phone, sunglasses - and the excess on the policy was £50 youd pay £150 so if the items valued £300 you only get £150 back! You can avoid that by paying for an excess waiver which given the nature of your trip id def think about taking as it generally doesnt cost too much extra on your policy.

Also regarding covering cash - if the policy does cover it, the amount wont be very high but you can sometimes pay extra to up that amount to cover you for a bit more.
[Travel Expert]#9
And I agree, I have never done a trip outside the UK without insurance, and if I did and something happened, I wouldn't blame anyone but myself!
#10
travelsupermarket.com

cheapest policy is £14.45 but your not looking for cheapest so youd be best going through a comparisson site like that and even compare it to your insure and go gold policy to check that your getting the same level of cover and then go for which is cheapest
#11
btw meant to say your sooo lucky getting to go touring around Austrlia, Fiji & new Zeland! You must let us know what it was like when you get back ! Id love to immigrate to Australia one day !
[Travel Expert]#12
carol123
btw meant to say your sooo lucky getting to go touring around Austrlia, Fiji & new Zeland! You must let us know what it was like when you get back ! Id love to immigrate to Australia one day !


TBH - This trip is about seeing what it is like, and it is something I'm not ruling out, emigrating that is. Who knows. . . .

Wish I could spend longer here, but can't get any longer off work and have used up my holidays in one go :-(

Am on an insurance mission. I'd rather go on recommendation really, and I think insureandgo are coming in quite good, also that price includes no excess and some activities, e.g. bungee jumping, zporbing (just incase)!!
#13
They are really good, if you wait till tomorrow maybe there will be some more people online who could recommend some more companies. If no one else replies u could just re post at a busier time maybe. I thought youd have loads of response to this
#14
carol123
They are really good, if you wait till tomorrow maybe there will be some more people online who could recommend some more companies. If no one else replies u could just re post at a busier time maybe. I thought youd have loads of response to this


Ive used insure and go a few times as well, luckily never had to claim. They are a competitive price for what seem to be a very good cover. My parent have had annual insurance with them for several years and had to claim medical expences without and problems.

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