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Travel Insurance : A SearchMeSilly Guide
Should cover you for:
Cancellation of your holiday
Loss or theft of your belongings; be it baggage, personal effects and/or money
A delayed or missed connection
Personal liability
Liability for accidents to others
Medical and related benefits
Loss of deposits and other charges incurred due to the cancellation or curtailment
of the holiday
Legal expenses
Cover may also include
Delayed baggage
A hospital cash benefit
Any travel interruption
Any travel delay
Failure of the tour organiser
Lack of service or amenities
Annual cover:
It could be worthwhile looking at an annual insurance policy if you take multiple
trips per year. Most of these allow unlimited journeys, with the prerequisite that
31 days are not spent abroad consecutively. As per regular travel insurance, some
of these annual cover policies will not insure for specific things such as winter
sports. These are covered by dedicated policies.
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