Help needed finding travel insurance and other q's - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

Help needed finding travel insurance and other q's

tracyhay Avatar
6y, 6m agoPosted 6 years, 6 months ago
Going to spain in 5 weeks, havent sorted out insurance yet. Was looking for some pointers on what I should make sure is included in the terms and conditions or maybe someone could point me in the right direction of a good company. Been on the comparision websites prices ranging from £10-£100 travelling with 3 kids 5,4 & 3 so need to make sure everything is covered!

rep added for help, cover for delays due to the volcano thing would be a benefit but plan to take some extra money anyways just incase,

also what do you do with the money you are taking with you is it ok to have it to carry on? or should it go in the suitcase? was thinking of taking about £1500 for the 2 weeks is that way to much? we are self catering so will be buying all food/drinks and how do we find out if the flight is delayed before we leave? thanks
tracyhay Avatar
6y, 6m agoPosted 6 years, 6 months ago
Options

All Comments

(24) Jump to unreadPost a comment
Comments/page:
1 Like #1
Tracy i use american express through quidco and pay a little extra for no excess. Print off documents.
Dont take much cash...open a nationwide account and take the card-its free to use in cash machines etc in europe, or supermarkets... Take a back-up in case of loss-visa etc..you'e insurance will not cover loss of that amount of cash. Failing using a card use travellers cheques.

oh and £1500 should be enough...well i would expect to spend a lot less-just make sure you find a hypermarket as it is much cheaper.
#2
plumberman01
Tracy i use american express through quidco and pay a little extra for no excess. Print off documents.
Dont take much cash...open a nationwide account and take the card-its free to use in cash machines etc in europe, or supermarkets... Take a back-up in case of loss-visa etc..you'e insurance will not cover loss of that amount of cash. Failing using a card use travellers cheques.


thanks will speak to hubby about opening an account, I think we have one in the highstreet, but whats the conversion rate like doing it that way? was worried about taking that much cash with us but I thought it was a realistic amount to spend in 2 weeks with all the extra outings that we will have, was hoping the £1500 should be enough even for a few extra nights at a hotel if needed just incase there is a flight delay!
#3
tracyhay
thanks will speak to hubby about opening an account, I think we have one in the highstreet, but whats the conversion rate like doing it that way? was worried about taking that much cash with us but I thought it was a realistic amount to spend in 2 weeks with all the extra outings that we will have, was hoping the £1500 should be enough even for a few extra nights at a hotel if needed just incase there is a flight delay!


its better as you get the days rate-we have used it for a few years now just for hols...and it is also delayed and you take what you need only.
i would no way take cash...what if your case went missing? you would never get the money back and you would be in a mess! you also have to keep it safe. We dont take cash but 2 years ago my visa was used fom the hilton safe for £1000 and the bank stopped it! if the cash had been in the safe it would have been gone for sure-and i wouldnt have been able to relax.
banned#4
doubt you will find any that cover volcano delay now
#5
plumberman01
its better as you get the days rate-we have used it for a few years now just for hols...and it is also delayed and you take what you need only.
i would no way take cash...what if your case went missing? you would never get the money back and you would be in a mess! you also have to keep it safe. We dont take cash but 2 years ago my visa was used fom the hilton safe for £1000 and the bank stopped it! if the cash had been in the safe it would have been gone for sure-and i wouldnt have been able to relax.


so can you just use it at any bank over there then or does it have to be a nationwide one? thats what hubby said about putting the money in the case but I didnt want to be going through security with that much money!
1 Like #6
If using ATMs often watch out as i found that some of the banks started charging you comission from the source with Santandar seeming to be the worst culprit with a 2.5% charge, this was in majorca last year.
#7
newbie1001
If using ATMs often watch out as i found that some of the banks started charging you comission from the source with Santandar seeming to be the worst culprit with a 2.5% charge, this was in majorca last year.


this is what I was worried about, did it say on the machine first before you took it out?
#8
It did say and gave you the option to cancel the transaction.
#9
newbie1001
It did say and gave you the option to cancel the transaction.


well thats ok as long as they dont all say the same thing!:thumbsup:
1 Like #10
used on of these when i went on holiday last year

http://www.travelex.co.uk/uk/cash-passport-currency-card.aspx

found it easy enough to reload if i needed to

Only take a couple of hundred in cash never wise taking a lot of cash with you just enough to get through 2-3 days as if you lose baggage/wallet/robbed you will be in real trouble
banned#12
newbie1001;8619274
If using ATMs often watch out as i found that some of the banks started charging you comission from the source with Santandar seeming to be the worst culprit with a 2.5% charge, this was in majorca last year.

they only charge you if you let the ATM bank do the euro conversion to sterling. Always withdraw using the EURO selection so your issuing bank (nationwide is best) does the conversion to sterling for you.
#13
Marty1981
used on of these when i went on holiday last year

http://www.travelex.co.uk/uk/cash-passport-currency-card.aspx

found it easy enough to reload if i needed to

Only take a couple of hundred in cash never wise taking a lot of cash with you just enough to get through 2-3 days as if you lose baggage/wallet/robbed you will be in real trouble


does this charge you for widthdrawing? seems to be 2 different types of cards is there a difference?
#14
tracyhay
so can you just use it at any bank over there then or does it have to be a nationwide one? thats what hubby said about putting the money in the case but I didnt want to be going through security with that much money!


i used atms and at the airport in turkey/egypt/lanzarote no charges..no problems:thumbsup:
#15
plumberman01
i used atms and at the airport in turkey/egypt/lanzarote no charges..no problems:thumbsup:


fab thanks:thumbsup: rep on its way
#16
Hiya!

The problem with withdrawing cash or using debit card overseas is not only the transaction charge, but also the exchange rate they apply - which is usually really poor!

So, this year I have got a fairfx Euro pre pay mastercard. All Euro transactions in shops are free and done at face value. To withdraw cash its 1.50 Euro per withdrawal. There is no charge to have the card, and the exchange rates you get when loading are impressive.

If you go via moneysupermarket, you get a £5 credit too as I recall...

I also find it a good way to save too, as I can transfer over a few quid every month.

Cheers
James
#17
just take cash if you are only taking £1500

best rates for cash when exchanging or even exchange before you go

makes no sense to keep withdrawing from the atm
banned#18
theyeos;8620218
Hiya!

The problem with withdrawing cash or using debit card overseas is not only the transaction charge, but also the exchange rate they apply - which is usually really poor!

So, this year I have got a fairfx Euro pre pay mastercard. All Euro transactions in shops are free and done at face value. To withdraw cash its 1.50 Euro per withdrawal. There is no charge to have the card, and the exchange rates you get when loading are impressive.

If you go via moneysupermarket, you get a £5 credit too as I recall...

I also find it a good way to save too, as I can transfer over a few quid every month.

Cheers
James

as said previously by others, the nationwide debit / credit card has no fees and the best rates you will find.
#19
csiman
as said previously by others, the nationwide debit / credit card has no fees and the best rates you will find.


check out what mse says too-it was on tv as the best.
#20
casparwhite
just take cash if you are only taking £1500

best rates for cash when exchanging or even exchange before you go

makes no sense to keep withdrawing from the atm


^^^^^^^^This


Why put the cash in your suitcase? Surely your husband can be trusted to look after it in his wallet........if youre worried split it between the 2 of you :thumbsup:
banned#21
casparwhite;8620241
just take cash if you are only taking £1500

best rates for cash when exchanging or even exchange before you go

makes no sense to keep withdrawing from the atm

went to lanzarote in march

best high street rate 1.08

best online rate 1.09

best rate in lanzarote - 1.09

NW exchange rate from a cashpoint - 1.12
#22
csiman
went to lanzarote in march

best high street rate 1.08

best online rate 1.09

best rate in lanzarote - 1.09

NW exchange rate from a cashpoint - 1.12


can get it for 1.16 if I order the money now, hubby thinks it would be easier just having the cash, rather than having to find an atm, but I am not keen on having the money, just incase, although would have to be daft to try and take it from my hubby anyway:x thanks for the opinions have something to think about now:thumbsup:
banned#23
tracyhay;8621755
can get it for 1.16 if I order the money now, hubby thinks it would be easier just having the cash, rather than having to find an atm, but I am not keen on having the money, just incase, although would have to be daft to try and take it from my hubby anyway:x thanks for the opinions have something to think about now:thumbsup:

exchange rates vary each day you know :-D

ATMS are everywhere abroad too, especially in Spain :-D

http://visa.via.infonow.net/locator/global/

it would panic me no end having to carry all my holiday money in my bag
#24
tracyhay
does this charge you for widthdrawing? seems to be 2 different types of cards is there a difference?


I was never charged for withdrawing at bank ATM's and there are always plenty around

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!