Travel Insurance & Terrorism

Travel Insurance & Terrorism

For many years there has been a blanket exclusion by the insurance companies to cover any terrorist related risks on their policies. Now, a number of travel insurance companies have removed some of the restrictions on their insurance in this area.

Both Travelinsurance.ie (for Irish residents) and Travel Insurance Direct (UK & Irish residents) both offer cover for a number if terrorist related risks. You can find full details on their web sites:

www.travelcover.ie
www.travel-insurance.net

Road Traffic Accidents Legal Proceedings

Road Traffic Accidents Legal Proceedings

By Julian Hall

Claims Master Group

Even though there have been advancements in road and car safety, road traffic accidents are still common place in our society. Unfortunately, statistics show that most people will be involved in a serious road traffic accident at least once in their lifetime.

We will discuss when such accidents may lead to legal proceedings. If you are involved in a car accident, you should speak to a legal expert who can guide you through the minefield of the legal system and help you to get the compensation you deserve. You may like to get in touch with our advisors on 08000 71 22 71 or click our road traffic accident claims form to get started.

Legal Proceedings After A Road Traffic Accident

Not all road traffic accidents lead to legal proceedings, however if there are no serious injuries, you may be entitled to recover damages for property and other expenses from the other drivers insurance company. The likelihood of legal proceedings will usually rest on the quantum, or the amount of financial damage which has ensued from the accident.

What Causes Road Traffic Accidents?

There are many possible causes for road traffic accidents which are discussed below:

Bad Driving- This is by far the greatest cause of most road traffic accidents. Simple errors in judgement and other mishaps all add up to common poor driving habits such as ignoring traffic signals, speeding, not giving way at the correct times, tailgating and mobile phone usage.

Lack Of Attention- Drivers are oftentimes distracted and can increase the chance of a road traffic accidents. Whether from outside of the car or inside the car its something which we must all become more aware of. Reading maps or newspapers(!), changing CD's or the radio station, fixing your appearance in the vanity mirror or trying to comfort an upset child are all distractions which can cause road traffic accidents.

Under The Influence- Accidents on the road are unfortunately due to the impaired ability of the driver to concentrate and put both himself and other road users at risk.

Weather Conditions - Bad weather, rain, icy roads, floods all contribute to poor driving conditions from which an accident can occur by impairing visibility. Slippery road surfaces require the driver to take extra care whist behind the wheel. Motorists need to take into consideration these weather conditions whist on the road to avoid causing an accident. Black ice and flash flooding are all unexpected obstacles a driver will have to be prepared for when setting out on a journey, so its important to check the weather report if you suspect harsh roadconditions.

Poor Road Design - Government liability can be called upon when confusing, poorly placed signs, barriers, road works or traffic signals are a contributing factor to a road traffic accident. These can lead to drivers no being familiar with a change in road design and coupled with possible poor driving conditions lead to vehicle collisions and personal injuries.

Roadworthy Vehicles- A road traffic accident can be caused by a vehicle not being road worthy. Factors such as poor tyres, brakes failing, electrical failure and similar defects can all cause a driver to become involved in an accident. A manufacturing defect, design failure or similar vehicle factory problem can also be a contributing factor.

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If you need advice or would just like to speak to someone, please don't hesitate to give Claims Master Group a call on 08000 71 22 71. The Personal Injury, Accident Claim, No Win No Fee, Road Traffic Accident Legal Proceedings specialists.



About the author:

Julian Hall is the director of Claims Master Group.

If you need advice or would just like to speak to someone, please don't hesitate to give Claims Master Group a call on 08000 71 22 71. The Personal Injury, Accident Claim, No Win No Fee, Road Traffic Accident Legal Proceedings specialists.
Written by: Julian Hall

WHY BUY TRAVEL INSURANCE?

We must understand that your vacation can take a year to save for, but only a second to ruin. While you can't do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment-buy travel insurance.

Travel insurance can provide you coverage for medical expenses, trip cancellation/interruption, baggage damage, and much more. Plus, with every international travel insurance plan you will also receive 24-hour travel assistance.

Here with i list out the company which can provide you international travel insurance:
http://www.travelguard.com/
http://www.globaltravelinsurance.com/
http://www.travelinsured.com/

Malaysia Travel Insurance for backpackers and independent travellers.

World Nomads is an Australian company specialising in providing Malaysia travel insurance to backpackers and independent travellers from around the globe. Our Malaysia travel insurance policies avoid expensive and unnecessary add-ons, making us as relevant as we are inexpensive, covering the risks that matter to you as a traveller.

World Nomads offers you the security in your Malaysia travel insurance by being backed by Allianz, one of the world's largest and most secure financial institutions and is supported 24/7 by the Allianz-owned specialist travel assistance provider the Mondial Assistance Group, which has no fewer than 37 emergency centers in 28 countries.

It's Simple

You simply buy one travel insurance policy and it doesn't matter where in the World you travel - you're covered! This means you can travel to New Zealand, England, America and as many other countries as you like and it's all under a single travel insurance policy.

LINK : http://www.worldnomads.com/insurance.aspx?affiliate=NZTONL&_wat_id=4c46ef0f0b8247778fcdc39dbdc6bdd9_1

Why Should You Buy Travel Insurance When You Go Away?

Are you someone who likes to travel? If you are, you are certainly not alone. The travel industry is booming with people wanting to see the world and that presents a wonderful question: Should I buy travel insurance when I go away?

This is a good question because many feel it is necessary and many feel that it is not. However, it is certainly a misconception that nothing can go wrong on a trip. Although you may be one of those who have yet to experience serious trouble while on a trip doesn’t mean that it won’t happen. That is why travel insurance exists. It has a tendency to make things a little less painful if something does go wrong.

Let’s say that your flight has been canceled, what does travel insurance usually cover?

• Termination of employment
• Weather conditions
• Terrorist acts
• Injury, sickness, or death
• Travel delay
• Trip cancellation
• Medical protection
• Baggage protection
• 24-hour emergency assistance

Some of these things may not necessarily be considered a disaster, but could still result in lost money. The cost of travel insurance, depending on age and the amount of coverage desired, is approximately 5% to 8% of the trip cost, which can actually save money if any of these events occur. A lot of money is invested in trips, so this is a small cost to pay for peace of mind and for protection in case one of the above events in the list does occur.

However, different policies offer different types of coverage and there are various exclusions within the policies. Such exclusions include changing your mind about a trip and not going. Travel insurance only covers you when something happens outside of your control that prevents you from making the trip. Not being able to afford the trip doesn’t count. It is when you make a good faith effort to make the trip and something occurs that prevents that from happening that the coverage kicks in.

As far as exclusions, there are a few things to consider such as:

In the case of an injury while on a trip, the “Medical evacuation” section of the policies means that you will be air lifted out of an area with poor medical care and taken back to the states to receive medical attention. These instances are quite rare, but they do happen. However, a Medical evacuation may be denied if a pre-existing condition is involved, if there is a hospital closer that can administer proper medical attention, and an examination may be required to determine the seriousness of the condition and whether or not it requires a medical evacuation. If the situation is bad enough, then you will be evacuated to receive medical attention granted that none of the exclusions apply.

Even if medical plans you currently have cover you when you’re traveling, many medical and other insurance plans will not cover you if you travel abroad. However, it is important to shop around for policies to see what their exclusions are and if their exclusions could knowingly affect you if a situation did arise.

Nevertheless, 5% to 8% of the trip cost is a small price to pay for security and for the protection of money invested in a trip that may not happen due to circumstances outside of your control. It is also good to know that if you were to become sick or injured on a trip, you have some kind of coverage that will take care of you, which gives you one less thing to worry about while you are far from home.


About The Author: If you’re planning a trip out of town, it’s a good idea to invest in some http://www.caaneo.ca/ travel insurance before you leave. This will help keep you protected in case an emergency situation occurs.

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