Pick The Right Travel Insurance Policy by Finance News Bulletin

Published: 01/12/07

Winter is truly upon us, and with its arrival many of us will be looking to go on holiday to hit those winter blues But for anyone jetting off this winter, it's also significant to ensure you have the right journey insurance to cover you should things go wrongAccording to Bradford and Bingley, December is a expensive month when it comes to insurance claims Treatment for a broken leg at the same time as skiing in France, for example, can price anywhere from 750 to 5,000

So, if you decide to go away, it's always advisable to take out a good travel cover policy before you set off, as you could be left with a hefty bill should you go on holiday uninsuredIf you put on't choose the right rule, however, you could end up paying more in premiums than you require to Different insurers take different factors into account when calculating a quotation and this can dramatically have an effect on the price of your policyWhen it comes to travel insurance, the 18 to 54 year-olds among us should usually find no problems in obtaining a quote, with most policies offering comprehensive wrap at competitive prices

Thankfully, it's good news for children under 18, as many family or solitary parent policies will cover brood at no extra cost Some insurers even wrap your kids up to the age of 23 if they're travelling under a relations policy -- provided they are still in full-time education But be aware that non-dependents are generally not coveredIf you're over 65, it's a less rosy image, as many insurers will hike up your premiums or just refuse to cover you at all

But there are a small number of insurers that do present cover for over 65s at spirited prices Our travel insurance centre offers both annual and solitary trip cover for individuals up to 74 existence For older travellers, both Marks and Spencer and Direct Line have no upper age limits for their solitary trip insurance policies, and Churchill will insure anyone up to 99 yearsMost insurance companies are not eager to provide cover for pre-existing checkup conditions

So if you do have a medical condition, and you want to create sure you're covered, it pays to supermarket around for a quoteFor example, Bradford and Bingley journey insurance policies will cover you for some pre-existing conditions, with annual policies obtainable for those up to age 79 and solitary trip cover for those up to 85 With these policies you can either pay an extra premium and cover your state, or exclude it from your best altogetherSimilarly, over-50s specialist Saga will take you through a health screening process, asking a sequence of specific questions about your symptoms and individual circumstances

They will then use this information to factor any essential extra cover into your premiumsEither way, if you have a medical state you want enclosed, it's always best to speak to the insurer to clarify all the conditions of your contract Remember, an insurer can turn down your claim if it comes glow later that you failed to declare a relevant pre-existing checkup condition before you travelledWhen it comes to travel cover premiums, location is everything

And with winter in full flow, many of you will be heading off to the slopes to enjoy the snowLots of annual cover policies now offer winter sports as an optional extra However, again, it's sensible to read the little print, as annual policies often cover a shorter festival period for winter sports trips than you would normally be covered for under a single policyIn addition, you should check if you're covered for any eventuality, such as sudden large amount and piste end, and for any activity, such as off-piste skiing and snowboarding -- especially if you're thoughts of venturing to the more adventurous slopes

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