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a garage, then you'll save by keeping your car there overnight. You'll also make savings if you can keep your car on a driveway. This is because there is more chance your car being broken into or vandalised if it's kept on the road.
Give your insurer an accurate picture of how many miles you do each year – you will save if you travel less.
Some occupations, like being a landlord, journalist or professional footballer (if only) attract higher premiums. You can save money if you work in finance or the civil service.
Get married! Men under 30 pay more if they're not married – it's just the excuse your girlfriend is looking for!
Under 25's pay more, but you can get lower premiums if can put a driver over the age of 25 with a good driving record on your policy as a named driver. That person must be under 60 though, as premiums rise again at that age.
Agreeing to higher excess (the average cost is £100) will help lower your premiums.
If your car is not of a high value, you could get third party cover and make quite a saving compared to fully comprehensive insurance.
Pay as you go insurance is a new option for 18-21 year olds. It's a recent development introduced by Norwich Union, in which you pay a unit cost per mile. The cost per mile is more between 11pm and 6am. You pay an initial fee of £199 to have a Global Positioning System fitted to your car, and then it transmits details of your mileage direct to Norwich Union. They send you a monthly invoice and you pay for the miles you've done!
Taking Pass Plus lessons to improve your driving abilities could save you around a third on your premiums. They cost £15 - £30 an hour and cover driving at night, in busy rush hour jams and fast motorway driving. You can find out more at www.passplus.org.uk . You can also improve your driving skills and make insurance savings with the Institute of Advanced Motorists ( www.iam.org.uk ).
Find out the insurance group of a car before you make the purchase. There are twenty insurance groups – the slower and less desirable the car (to criminals) then the lower the rating. You could make considerable savings by choosing a car in a lower insurance group.
If you want a high spec or performance car then you can expect to pay a lot more on your insurance. They're a lot more likely to be stolen or involved in an accident. Making the sensible choice might be a bit boring, but it will be a lot cheaper.
Watch your speed. Most insurance companies will let you get away with a single fixed penalty fine but if you repeat the offence then your premiums will rocket.
Protect your no claims discount as soon as you can (usually after four years). It costs a bit extra but it's well worth it.
Satellite navigation in your car will lower your premiums. Insurers have found that people concentrate more on their driving and less on trying to find their way, which means less chance of having an accident.
It's a good idea to have an engine immobiliser or alarm fitted not just because it could help you keep hold of your car, it will also make you a saving of 5-8%.
If there's two or more cars in the household, get them on the same policy to get a good discount.
What To look For In Travel Insurance
What should I check in my policy before I buy travel insurance? As with any insurance product, before you buy travel insurance check all the terms, conditions, exclusions and inclusions. Travelling without the right cover can leave you seriously out of pocket.
Remember to check your excesses too. High excesses may result in a cheaper travel insurance policy but should only be considered if you can afford to front a large portion of the costs of any claim yourself.
Most cover includes some but not all of those points.
You would need to understand what conditions are covered and what the limits are on your medical expenses. These are all important questions that you should ask when you are trying to understand the medical coverage feature of your travel insurance.
Unforeseen illnesses, injuries or accidents will be covered under the medical section of your travel insurance policy. This covers the cost of receiving treatment overseas – including dental emergencies in most cases – and repatriation, the cost of having to fly you back to the your country.
On a slightly more morbid note, most travel insurance policies cover cremation costs or the repatriation of a body should you or someone else covered under the policy die during your holiday.
Being made redundant, having to do jury service, or having to take care of a seriously ill family member are among the list of valid reasons.
However, travel insurance policies can vary greatly both in the amount covered and in the excess – the amount you have to pay towards the claim yourself. For example, items such as cash or expensive goods can be subject to an additional higher excess.
If your flight's been delayed for more than three hours or it's been cancelled you may be able to claim compensation of up to £470 directly from the airline but the reason for the delay or cancellation must be the airline's fault, so bad weather for example, won't count. sn't apply you can also try making a claim on your travel insurance policy. Insurers typically pay out for each 12-hour period you've been delayed, but the payouts are often tiny compared to what you can get from your airline.
To mitigate against problems, as it's your responsibility to check your travel documents are valid and you meet the entry requirements, always check the Foreign and Commonwealth Office website for the entry rules of the countries you're visiting well before travelling and give yourself plenty of time to get your paperwork in order.
Claiming on your travel insurance shouldn't be daunting and – if you understand the terms and excesses on your policy – you shouldn't be in for any nasty shocks.
2. If it's a medical claim get an insurer to accept it first If you need to make a medical claim – and it is not an emergency – get an travel insurer to accept the claim over the phone first. For example, thieves make off with medicine kept in a handbag that you need urgently. If the travel insurer accepts the claim over the phone, you're less likely to be faced with a rejected claim later down the line. For obvious reasons, don't delay treatment if it is an emergency.
3. If it's a theft or loss claim notify the police If something goes missing or is stolen when you are abroad you may need to get a crime reference number or the overseas equivalent to make a successful travel insurance claim. Report the incident to the police as soon as you can – you often have to do it within 24 hours to be able to claim – to make sure your travel insurance claim doesn't hit the skids.
4. Keep your receipts If you are claiming for lost luggage or delay, remember to keep receipts of essential items you have bought in the interim, such as food and drink. Many travel insurers allow you to add these expenses to a claim and may ask for receipts as proof.
5. Complain if you feel your claim was unfairly rejected If your travel insurance company rejects your claim, and you think it has done so wrongly, do not take it lying down. Complain to the free Financial Ombudsman. 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What should I check in my policy before I buy travel insurance? As with any insurance product, before you buy travel insurance check all the terms, conditions, exclusions and inclusions. Travelling without the right cover can leave you seriously out of pocket.
Remember to check your excesses too. High excesses may result in a cheaper travel insurance policy but should only be considered if you can afford to front a large portion of the costs of any claim yourself.
What's Typically Covered under a Travel Insurance Policy
Every travel insurance policy covers different things but all would offer a varying degree of cover on five main points:- trip cancellation and interruption
- medical travel insurance
- evacuation
- baggage
- flight insurance
Most cover includes some but not all of those points.
What’s generally not Covered under a Travel Insurance Policy
Apart from any pre-existing medical conditions, other common exclusions could include loss or injury suffered due to:- The influence of alcohol or drugs
- Acting intentionally or recklessly
- Belongings being unattended in a public place
- Undertaking ‘adventure activities’ such as mountaineering, motor biking or off-piste skiing
- Competing in professional sports.
Travel Insurance Medical cover
Medical cover is probably the most important aspect of your travel insurance. A study indicated that up to 22 – 64% of travellers fall ill while travelling with up to 8% requiring hospitalisation.You would need to understand what conditions are covered and what the limits are on your medical expenses. These are all important questions that you should ask when you are trying to understand the medical coverage feature of your travel insurance.
Unforeseen illnesses, injuries or accidents will be covered under the medical section of your travel insurance policy. This covers the cost of receiving treatment overseas – including dental emergencies in most cases – and repatriation, the cost of having to fly you back to the your country.
On a slightly more morbid note, most travel insurance policies cover cremation costs or the repatriation of a body should you or someone else covered under the policy die during your holiday.
Cancellation
Travel insurance policies also cover cancellation if you can no longer go on your holiday or you need to come back early. However, there needs to be a valid reason for you to abandon your trip.Being made redundant, having to do jury service, or having to take care of a seriously ill family member are among the list of valid reasons.
Baggage and Personal Belongings
Your travel insurance policy will also cover you if your stuff is lost, stolen or damaged while you are on holiday. Almost everything you take overseas, including computers, phones, cameras and expensive clothing is included. Many travel insurance providers will also cover you for the loss of a passport, cash or a driving licence.However, travel insurance policies can vary greatly both in the amount covered and in the excess – the amount you have to pay towards the claim yourself. For example, items such as cash or expensive goods can be subject to an additional higher excess.
Personal liability
Personal liability protects others and their property from accidents you may cause while on holiday. For example, the personal liability element of your travel insurance would cover you if, during a skiing trip, you crashed into another skier and injured them. Insurers will typically cover you for up to £2m, which is generally more than enough.Delays
Travel schedules are often the victim of adverse weather, so delay cover is one of the more important aspects of travel insurance. Most travel insurance policies cover against more than just storms, with many including events such as industrial action and mechanical breakdown.If your flight's been delayed for more than three hours or it's been cancelled you may be able to claim compensation of up to £470 directly from the airline but the reason for the delay or cancellation must be the airline's fault, so bad weather for example, won't count. sn't apply you can also try making a claim on your travel insurance policy. Insurers typically pay out for each 12-hour period you've been delayed, but the payouts are often tiny compared to what you can get from your airline.
What is typically left out of travel insurance cover?
Like all insurance policies, there are a number of things that travel insurance providers will not pay out for. Here are the most common:Alcohol-related injury
You may be on holiday to unwind but if you are badly injured while you are more than just a little tipsy, your insurer is likely to reject your claim. The same goes for drugs. Insurers have different classifications of 'drunk', with some using blood alcohol limits, so check your travel insurance policy carefully before you buy.Medical conditions
Insurers will often cover you if you have pre-existing medical conditions, but if you fail to tell your insurer and then need treatment for that condition, or a related condition, you won't be covered. You may also struggle to get a claim paid if you ignore advised medication or jabs needed to enter a country.Dangerous sports
If you are going on an adventure holiday, or you are planning to take a winter sports break, you must get extra insurance cover or a insurance specialist policy. Taking to the Alps for a spot of snowboarding with just a basic travel insurance policy in your bag is a risk not worth taking. If you get injured you could end up paying £10,000s in medical bills.Refused entry to visiting country
No one wants their holiday to end before it begins, but most standard travel insurance policies won't cover this type of scenario. Insurance policies have a list of scenarios they do cover (eg, theft, medical assistance).To mitigate against problems, as it's your responsibility to check your travel documents are valid and you meet the entry requirements, always check the Foreign and Commonwealth Office website for the entry rules of the countries you're visiting well before travelling and give yourself plenty of time to get your paperwork in order.
Unattended possessions
Travel insurance will cover your personal possessions when you are abroad but it doesn't mean you can be gung ho with your stuff. If you leave your items unattended and they are then stolen, your insurer will not pay for their replacement.Travel to dangerous countries
The Foreign and Commonwealth Office (FCO) outlines which countries are unsafe for travel. If you travel to a country on the FCO's list your cover is likely to be invalid. Check out the FCO's current travel advice for more.How to claim on your travel Insurance cover
Claiming on your travel insurance shouldn't be daunting and – if you understand the terms and excesses on your policy – you shouldn't be in for any nasty shocks.
Five steps to claim on your travel insurance cover.
1. Submit your claim as soon as possible Contact your insurer as soon as you can. Some parts of your travel insurance policy may have a short window to submit a claim and it may take a while to be processed.2. If it's a medical claim get an insurer to accept it first If you need to make a medical claim – and it is not an emergency – get an travel insurer to accept the claim over the phone first. For example, thieves make off with medicine kept in a handbag that you need urgently. If the travel insurer accepts the claim over the phone, you're less likely to be faced with a rejected claim later down the line. For obvious reasons, don't delay treatment if it is an emergency.
3. If it's a theft or loss claim notify the police If something goes missing or is stolen when you are abroad you may need to get a crime reference number or the overseas equivalent to make a successful travel insurance claim. Report the incident to the police as soon as you can – you often have to do it within 24 hours to be able to claim – to make sure your travel insurance claim doesn't hit the skids.
4. Keep your receipts If you are claiming for lost luggage or delay, remember to keep receipts of essential items you have bought in the interim, such as food and drink. Many travel insurers allow you to add these expenses to a claim and may ask for receipts as proof.
5. Complain if you feel your claim was unfairly rejected If your travel insurance company rejects your claim, and you think it has done so wrongly, do not take it lying down. Complain to the free Financial Ombudsman. It's an independent adjudicator which will make the final decision on a claim if you are locked in a dispute with your travel insurer. car insurance insurance quote insurance car insurance indonesia car insurance jakarta car insurance adalah car insurance bca car insurance australia car insurance renewal car insurance bali car insurance calculator malaysia car insurance penipuan car insurance surabaya car insurance bandung car insurance calculator car insurance quote car insurance near me car insurance ireland car insurance check car insurance groups car insurance rates car insurance quotes online car insurance nz car insurance average cost car insurance agencies car insurance aviva car insurance admiral car insurance alberta car insurance abu dhabi car insurance aami car insurance app car insurance agents near me car insurance agent car insurance aaa car insurance aa car insurance agencies near me car insurance abroad car insurance adelaide car insurance allstate car insurance allianz 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