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Have you got everything covered for your holiday?

Document Cited in Related
Vincent
Published date15 April 2024
Publication titleHuddersfield Daily Examiner
The problem is, every time insurers have to pay out lots of money for an incident, a new clause may creep in to your contract that limits future cover

Holiday accidents can be expensive

Back in 2010, the Eyjafjallajökull volcano in Iceland erupted, grounding huge numbers of planes and upsetting news readers worldwide. As a consequence, you may find some insurance policies preclude claims arising for volcanoes. This is why travel insurance contracts can be almost as long as your beach novel.

Having said that, a good insurance policy is essential - though it won't cover you for absolutely every scenario that might happen, the key is to be aware of its limitations and know what you need to do if you have to make a claim.

Here's my guide on some of the most important things to look out for with your travel insurance policy.

ADRENALINE JUNKIE If you're planning on doing something wild on holiday, make sure you've taken out adventure/ extreme sports cover (or winter sports). This 'add-on' extra policy covers you for a range of things on a scale of risk, like bungee jumping, sky dives, quad bike riding and even horse riding. A huge number of people fall off bikes while on holiday (motor or pedal) so check if you're covered.

If you're the spontaneous type, add this cover to your policy - it's not expensive. In addition, before you jump on that banana boat, make sure the business has liability insurance and are trained and authorised to provide the service. CANCELLATION CLAUSES Read the cancellation and curtailment section of the policy. There are times when you might need to come home from holiday early after a family event at home or an injury abroad. This is covered under curtailment.

Check what your policy covers you for (replacing tickets, getting you to the airport, what happens when you arrive in the UK).

If you break a limb, you might find you have to wait...

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