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    Help needed finding travel insurance and other q's

    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

    24 Comments

    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.

    Original Poster

    plumberman01;8619171

    Tracy i use american express through quidco and pay a little extra for no … 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!

    tracyhay;8619193

    thanks will speak to hubby about opening an account, I think we have one … 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

    doubt you will find any that cover volcano delay now

    Original Poster

    plumberman01;8619235

    its better as you get the days rate-we have used it for a few years now … 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!

    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.

    Original Poster

    newbie1001;8619274

    If using ATMs often watch out as i found that some of the banks started … 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?

    It did say and gave you the option to cancel the transaction.

    Original Poster

    newbie1001;8619317

    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:

    used on of these when i went on holiday last year

    travelex.co.uk/uk/…spx

    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

    newbie1001;8619274

    If using ATMs often watch out as i found that some of the banks started … 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.

    Original Poster

    Marty1981;8619360

    used on of these when i went on holiday last … used on of these when i went on holiday last yearhttp://www.travelex.co.uk/uk/cash-passport-currency-card.aspxfound it easy enough to reload if i needed toOnly 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?

    tracyhay;8619259

    so can you just use it at any bank over there then or does it have to be … 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:

    Original Poster

    plumberman01;8619910

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



    fab thanks:thumbsup: rep on its way

    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

    Banned

    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

    theyeos;8620218

    Hiya!The problem with withdrawing cash or using debit card overseas is … 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.CheersJames


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

    csiman;8620274

    as said previously by others, the nationwide debit / credit card has no … 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.

    casparwhite;8620241

    just take cash if you are only taking £1500best rates for cash when … just take cash if you are only taking £1500best rates for cash when exchanging or even exchange before you gomakes 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

    casparwhite;8620241

    just take cash if you are only taking £1500best rates for cash when … just take cash if you are only taking £1500best rates for cash when exchanging or even exchange before you gomakes 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

    Original Poster

    csiman;8621434

    went to lanzarote in marchbest high street rate 1.08best online rate … went to lanzarote in marchbest high street rate 1.08best online rate 1.09best rate in lanzarote - 1.09NW 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

    tracyhay;8621755

    can get it for 1.16 if I order the money now, hubby thinks it would be … 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

    visa.via.infonow.net/loc…al/

    it would panic me no end having to carry all my holiday money in my bag

    tracyhay;8619547

    does this charge you for widthdrawing? seems to be 2 different types of … 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
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