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The thought of having to take out holiday insurance prior to your holiday does not seem very exciting. However, it is vital to do so, as it could save you a great deal of financial loss. Here are a few reasons why:
There are many cases where an insurer or underwriter may reject a holiday insurance claim. It is therefore very important that you take care when choosing your holiday insurance. Here are a few things to consider when taking out holiday insurance:
Activity Exclusions: sometimes high-risk activities are excluded from cover. These may include bungee jumping, sky diving, white-water rafting and more. Take into account what activities you might be doing to ensure they are included when you take out holiday insurance. You also need to disclose if you are going skiing as this is not necessarily automatically included.
Excluded Area: Some parts of the world are clearly unsafe to travel in, and therefore are not included in holiday insurance claims. Be sure to check your destination is covered. Always take the advice of FCO – www.fco.gov.uk before travelling to a destination.
Existing Medical Conditions: If you do not declare an existing medical condition, your claim may be rejected. This may include an existing injury that is exacerbated during your holiday.
Claiming Too Late: It is important to read the terms and conditions of your holiday insurance policy, to ensure you have full knowledge of when you need to make a claim by, following any particular incident.
SG Chaseside Insurance Solutions offers bespoke solutions to our private clients’ specific needs. A personalised claims service is included and tailored to our clients’ preferences and includes 24 hour claims reporting. Please refer to our Insurance Solutions Specialisms page or Contact us