So, you’ve done your research and found a low priced insurance policy to cover you on your forthcoming holiday? The task doesn’t end there, though – you need to make sure it is actually suitable for your needs before you go ahead and book it.
Here are three tips that will make the task easier and ensure everything is as it should be.
Make sure you booked it for the right dates
You should, of course, be well aware of the date you set off for your holidays and the date you return! However you should double check you have them right and that your policy covers the period you need it to cover. If you got it wrong, contact the company immediately to put it right. Alternatively, they may have got the details wrong on the policy documents. If this is the case, make sure you contact them immediately to have it corrected.
Check you are covered for any activities you wish to do
While many low priced insurance policies will cover most activities, they may not cover everything you intend to do. For example, you may want to do white water rafting or a parachute jump while you are away, and if this is the case, you’ll need to check check whether the policy will cover such an activity. If not, you need to either make a change so it does or get an additional policy for extreme sports. Oftentimes you should be able to get an all in one policy designed to cover whatever sports you want to do, so be sure the one you have booked is suited to your needs.
Read every last detail in the small print
It seems as if human beings are hardwired to avoid small print of any kind! Unfortunately, this is exactly where all the most important details are found on low priced insurance policies. So when you receive your copy, take the time to sit down and read through every last detail. Mistakes can be made, so check your name, address and other information to ensure it is all 100% correct. Don’t let even the smallest detail slip through if it isn’t right. It could invalidate your policy and that will lead to untold problems if you need to make a claim.
As you can see it makes sense to check everything when you buy a low priced insurance policy to cover a trip or a holiday abroad. The last thing you want is to make a claim and discover the one you bought isn’t quite as all encompassing as you need it to be. The time to find out is definitely before you leave, not after!
Patrick Chong is the Managing Director of Insuremore. We provide low priced insurance and offer a range of policies including single-trip, multi-trip and family insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.