The following tips can help you determine what kind of travel coverage, if any, is right for you.
1. Familiarize yourself with what’s out there. Travel insurance can include trip cancellation, trip interruption, accidental death or dismemberment, medical and dental care, transportation to medical facilities, loss of luggage or personal possessions and protection against the bankruptcy or default of your cruise line or tour operator.
2. Determine whether you’re already covered. Many homeowners’ and renters’ policies provide coverage for theft and other losses away from home. Your medical and auto insurance may be valid in other countries. Your life insurance policy should cover you and your family while you travel. And airlines must reimburse you if they lose your bags.
3. Remember your credit cards and auto club membership. Check to see what travel protection you have from those little plastic cards in your wallet. The American Express Platinum Card is especially good about giving generous accidental death and dismemberment coverage, insurance for car rental loss and damage, and extra lost baggage protection.
4. Buy through a third-party insurer. Travel agents, tour operators and cruise lines sell travel insurance, but your safest bet is to obtain coverage through an established insurance company. This way your coverage won’t go up in smoke if your travel company goes bankrupt. You can compare rates at InsureMyTrip.com.
5. Ask the right questions. As you shop around, ask insurers: What disasters are covered? What restrictions apply? What type of assistance does the insurance company give in the event of a medical emergency or other serious problem? How does the reimbursement get determined?
6. Know the drill with trip-cancellation coverage. Here’s the biggest reason you may not need it: Even in the case of natural disasters and other dramatic events beyond a travel provider’s control, you’re likely to get a refund if your trip gets completely canceled on you.
7. Avoid flight insurance sold in vending machines. Have you ever spotted such offers in airports? They’re situated there to play on people’s fear of flying, but remember: The least expensive way to insure your life is through a term life insurance policy, which you may already have. And your credit card may provide such coverage as well.
8. Understand cancellation waivers. Many cruise and tour operators offer these waivers for about $40 to $60 as coverage in case you have to cancel your trip. While the waivers provide some protection, they often have many restrictions and are not regulated.
9. Consider extra coverage. If you must travel with expensive electronic equipment, sporting gear or jewelry, you could consider a floater for your existing homeowners’ or renters’ policy. This could be a relatively low-cost way to insure those items.
10. Recognize the value of emergency medical assistance coverage. This would cover you if you must be airlifted off a mountain, receive prolonged treatment in a foreign hospital or be flown home because of serious sickness or injury. Before you buy, find out whether your health insurer would cover you overseas and pay for your flight home if an emergency strikes. If you have Medicare, this coverage could be valuable because you’re probably not covered outside the United States.
Wednesday, December 31, 2008
Monday, April 21, 2008
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.
***************************************************************** ****
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
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.
***************************************************************** ****
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
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