10 top tips for travel insurance

Submitted by Dean on 30 May, 2019 - 06:20 with 0 comment

10 top tips for travel insurance

Thinking of going away this year? Already got your schedule planned? Make sure you don’t forget about your insurance. We take a look at the top 10 areas you should consider before arranging travel cover.  

  • Single vs. multi-trip

If you tend to go on one big holiday a year, single trip insurance will likely suffice. But if you go on several trips a year, multi-trip cover could end up saving you time and money.

  • Plan your activities

Certain high-risk activities won’t be covered under a standard travel insurance policy, so if you know you want to partake in these in advance, you will need to seek a specialist policy to accommodate for these. 

  • Get covered in advance

People often leave finding insurance to the last minute, meaning they’re not insured for unforeseen cancellations or events leading up to their trip. Getting insured in advance means that you have cover in place for such complications.

  • Airline failure

If you already have travel insurance in place, it might be worth checking the small print for airline failure. Many policies won’t include airline insolvency as standard. 

  • Driving abroad

For those planning on driving abroad, make sure to check with your car insurance that you’re covered for this. If you intend to drive in Europe, you will likely need a Green Card to show you’re insured in the coming months.

  • Focus on quality

While it may be tempting to opt for the cheapest policy, this may not provide you with the coverage you expect it to. Don’t make price your priority when seeking travel insurance and instead focus on the genuine value it can add to your trip.

  • Tell the truth

If you have a pre-existing illness or have been affected by illness in the past, it may be tempting to omit this detail when seeking insurance. Avoid doing this as it can invalidate your cover should you need to make a claim.

  • Don’t settle

If you do have a pre-existing illness, or you’re an older traveller, don’t feel you have to pay extortionate amounts to get the right policy. At Watkin Davies, we can work with you to arrange fair cover for your trip.

  • Cover groups with care

If you’re looking to cover a group of people, it may be worth insuring any individuals with specialist requirements in a separate policy to avoid driving up the price of the group.

  • Protect your gadgets

Many travel insurance policies won’t cover for lost, broken or stolen technology when you’re abroad, so if you need cover for these it’s worth arranging top-up gadget cover to supplement your travel insurance.

At Watkin Davies, we specialise in finding the right insurance based on your individual requirements so you can travel in the knowledge that you’re financially protected should something go wrong. To speak to one of our specialist advisors about arranging your cover, call us on 02920 626226.

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About Us

Watkin Davies Insurance Consultants Ltd are one of Wales’ largest Independent Insurance Brokers, established in 1978 by Roger Watkins. Since this time we have become one of the leading Commercial and Personal Insurance Brokers in the region and the trusted insurance advisor to hundreds of Welsh and UK businesses and individuals.

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15 & 19 Penlline Road
Cardiff, CF14 2AA
029 2062 6226
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