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Archive for the ‘Hazardous Activity’ Category

What to look for in your ski cover

Friday, November 13th, 2009

Everyone appreciates the thrills of Wintersports but not everyone appreciates the dangers that are associated with it. It is very important to ensure that your travel insurance provider supplies you with a travel insurance policy that gives you peace of mind when on the slopes.Of course, if you are intent on skiing at the winter Olympics in Vancouver in 2010, you are advised to look for more specialist insurance cover but for those taking a traditional family winter holiday or popping over to the Alps with a few friends then a family travel insurance policy is ‘just the ticket’. There are many so called cheap travel insurances on the market but do they provide adequate cover? What should you be looking for in your travel insurance policy?

Medical expenses – £5 million

Personal liability – £2 million

Cancellation – £3000

Baggage – £1500

Many travel insurance policies do not include an additional sum insured for delayed ski equipment on top of the normal baggage delay. This is certainly something to consider. It is also important to make sure your travel insurance policy covers ‘off piste’ activities (provided you are accompanied by a qualified guide) and piste closure because of too much, or too little snow, or adverse weather conditions, and, of course, your skis and equipment against loss or damage. With all the above covered you can enjoy your winter sports holiday knowing your travel insurance will cover you no matter what eventualities may arise.

This article is provided by Travelandinsure.com – specialist in ethical travel insurance.

Gap Year Travel Insurance

Thursday, June 25th, 2009

Looking for Gap Year insurance?  Here are some common pitfalls to be aware of when choosing your Gap Year travel insurance policy.

Firstly don’t buy the wrong policy!  It’s easily done.  For instance, a cheap tourist policy is unlikely to cover working abroad, and it would be unwise to rely on your parent’s annual family travel insurance to cover you as this may not cover you at all.  So the advice here is to buy a good quality, specialist Gap Year Travel Insurance policy.

Secondly, beware of exemptions. All policies have them, and there are huge variations.  So you really do need to read and understand the small print to ensure that the cover is sufficient for your circumstances. Check it covers the sports and activities you may want to do, and remember that many of the more risky activities that travellers undertake are ‘spur of the moment’ decisions.  Check that you are covered to work, whether paid or voluntary.

Thirdly, you may need to cancel your trip. You should buy your insurance as soon as you book your trip to ensure that you are covered to cancel should you or a close relative become ill or have an accident. Sadly, it is not uncommon for a traveller to suffer a family bereavement during their time away.  Some specialist providers offer cover for the cost of travelling home and back in the event of an unexpected loss of a family member.

And then there is the situation, increasingly common these days, of the airline you are booked to travel on going bust or the FCO issues a warning against all but essential travel as they did when Swine Flu struck Mexico. Remember that it may not be you cancelling the trip. Do check that you are covered if an airline goes bust and what cover is provided should there be a travel warning for a country that you are due to visit.

Finally ‘it’s not the cost that matters but the cover that counts.’ So long as you plan your trip well and take measures to ensure your safety, you are certain to enjoy the wonderful adventure that Gap Year travel offers.

This article is brought to you by Travelandinsure.com – specialist in ethical travel insurance.

Winter Sports cover essential

Tuesday, September 30th, 2008

Did you know that there is a one in seven chance of ending up seeking medical care during a skiing holiday and despite this a quarter of us will take to the ‘piste’ with no cover at all this coming winter? That’s a staggering number of people travelling uninsured when you realise that more than 3million ‘Brits’ are looking to hit the slopes this season.  But is that really wise when it’s hard to avoid the element of risk inherent on a winter sports holiday, no matter if you’re a beginner sliding down a nursery slope or a more confident skier cruising those blues and reds? The net result is that an increasing number of skiers and snowboarders are getting injured each year and, whilst falls, tumbles and the occasional wipe out are part of the holiday experience, you could be hit hard when it goes wrong. Being rescued from the ski slopes will now cost you well over £75, while medical expenses could set you back a further £250. The more serious injury cases could be even more painful both physically and financially. Repatriation to London from the Alps will cost around £2,500, rising to a hefty £6,000 from the USA. And if you think that a European Health Insurance Card (EHIC) will provide you with full medical cover while skiing in Europe, then think again. The EHIC, which replaced the E111, entitles you to low cost, sometimes free, basic medical treatment on the same terms as all nationals in EU states, but it should not be viewed as a substitute for proper travel insurance as the EHIC will not cover costly extras such as an air ambulance, personal liability, trip cancellation, or loss of baggage. That said, do not assume a standard travel insurance policy is enough, as most winter sports travel insurance cover is usually bought as an extra option and, even then, check the small print on your policy. It would be wise to check that the heli-sking or freestyle skiing is covered if that is what you intend to do, not to mention those ‘off piste’ activities you have planned. Your ski travel insurance policy could very well exclude these and that could mean being saddled with an unexpected bill if you get injured. The golden rule is ‘Get the best cover for the activities you are planning to do’.  This is one area of travel insurance where buying cheap travel insurance could definitely end up being a false economy. This article is brought to you by Travelandinsure.com – specialist in ethical travel insurance.

Look before you leap

Thursday, September 4th, 2008

The latest adrenaline rush activity was unveiled this week and it’s not for the fainthearted! Donning a suit with the characteristics of batman, or more fruit bat to be precise, an intrepid Norwegian launched himself from a mountain top, stretched out his arms and legs and glided earthbound before releasing a parachute to break his fall.  Truly impressive stuff and with a few tweaks to the blueprint may lead to the next craze for those not content with more leisurely pursuits. Whether it does catch on or not, it might be worth remembering that if you intend to do this, or any extreme activity for that matter, then perhaps it would be wise to check that your travel insurance policy covers you before you leap. Most, if not all, travel insurance policies, will exclude certain activities, known in the trade as ‘Hazardous Activities’. It is very important to choose a travel insurance provider who tries to give as much information to their customers on what activities are, or are not, covered and what may be done if the right procedures are in place and the correct safety precautions taken. So some good advice is to check your travel insurance policy before you go away, and again perhaps, just before you jump off! Not that this should necessarily deter all but the faint hearted to try out what appears to be the ultimate in flying experiences, but don’t get too carried away as you may need to use that travel insurance you bought after all. This article is brought to you by Travelandinsure.com – specialist in Ethical Travel Insurance.

Check travel cover before taking the plunge

Wednesday, June 25th, 2008

Fancy a bit of snorkeling on your summer holiday?  Why not, the water’s clear so jump right in but what if you want to stay under for longer, well you could always try out some scuba diving.  It’s all the rage and more and more destinations are offering free sessions with the aim to get you to sign up for a course while on holiday.  That’s all well and good but how many of us, when faced with the one off opportunity, whether it’s an early morning  pony trek, a chance to shoot some rapids or perhaps try your hand at parascending, consider what happens if it goes wrong?  Not that it should but perhaps it’s because we are feeling relaxed and taken in by the smooth patter of the ‘Holiday Rep’ and sign up for the night time ‘toboggan run’ or once in a life time ‘bungee jump’ then the chances are that last on the list of considerations is “does my travel insurance cover this?”  Most travel insurance policies will have a list of sports and hazardous activities that are included as standard and even offer, with the payment of an additional premium, cover for activities at the more extreme end of the sporting spectrum. But it does pay to look closely at the small print in your policy as this is an area where buying cheap travel insurance will almost certainly have restrictive cover when it comes to sports and other activities. Having an accident can be very costly and your travel insurance will definitely not cover you if the activity you have chosen to do is not on the approved list.  We are all for spur of the moment decisions, after all that’s what makes holidays memorable but it always pays to be wise before, and not after the event, as your travel insurance policy is there to pick up the pieces if it all goes wrong.

Look before you jump!

Thursday, May 15th, 2008

Instant decisions can sometimes be costly according to latest government advice.  With the Summer upon us, and many looking forward to holidays and gap years, it is is timely to note that recent research into the 18-35 year old age group shows that 2 out of 3 went bungee jumping on the spur of the moment without checking that they were covered by some form of insurance.  Likewise 1 out 2 did the same when it came to jet-skiing, scuba diving, mountaineering and rock climbing and 1 in 3 when it came to snow sports.  With the cost of medical treatment, such as a broken leg coming in around £5-7,500 and that’s just in Europe, rising to a colossal £24,000 in the USA, then it pays to be properly covered when you go abroad on holday.  Don’t forget though, that travel insurance policies do have exclusions so do check that what you want to do on holiday will be covered and do check that comprehensive medical and repatriation cover is included.  An air ambulance (from Canaries) could cost you £12-16,000, for example, whilst you will need to stump up with £4-5,000 for a week’s stay in hospital in Greece.  Make sure you understand exactly when and where cover is given.  For diving, check the maximum depth covered and for winter sports check whether off-piste is covered.  This also goes for 3rd party liability, for example, if there is any chance you could collide with someone else or someone else’s property or equipment while enjoying your sporting activity.  This is particularly important if you are taking part in winter sports.  Finally, if you find yourself without cover, ask the organisers of the activity to provide cover or consider the purchase of top-up cover if you are involved in hazardous activities and have only basic travel insurance.

Adrenaline junkie – check the small print!

Wednesday, April 23rd, 2008

Checking the small print in your travel insurance policy to see that you are covered for what you intend to do whilst on holiday is essential before you go.   A great report in this week’s Times shows holidaymakers plunging into Devil’s Pool, which is reputedly the most dangerous swimming pool in the world.   As the Times reports “for the thrill-seeker looking for the ultimate holiday snap….perched on top of Victoria Falls on the edge of a precipice, 360 feet above oblivion with almost 40,000 cubic feet of water gushing past your ears every second”.   As one partaker of this sport said, “it was better than bungee jumping” and that “being in the Devil’s Pool is a serious adrenalin rush.”   If you intend to do this or any extreme activity for that matter, then perhaps it would be wise to check that your travel insurance policy covers you before you dive in.    Most, if not all, travel insurance policies, will exclude certain activities, known in the trade as ‘Hazardous Activities’.   Swimming does not normally fall into that category of course but an insurance provider might have a word to say about this particular swimming pool.  It is very important to choose a travel insurance provider who tries to give as much information to their customers on what activities are, or are not, covered and what may be done if the right procedures are in place and the correct safety precautions taken.   So some good advice is to check your travel insurance policy before you go away, and again perhaps, just before you jump in!   Not that this should necessarily deter all but the faint hearted to try out what appears to be the ultimate in swimming experiences, up there probably with shark diving.   But don’t get too carried away, not just by the strong current, as you may need to use that travel insurance you bought after all.

Swim with sharks?  Think Hazardous Activity before you jump!

Saturday, March 15th, 2008

Want to swim with dolphins?  No problem, but want to do the same with sharks, even from inside a cage, then that’s a ‘whole new kettle of fish’, no pun intended!  We do want you to have a ‘whale of a time,’ there he goes again, but it all boils down to the small print in the policy.  Want to make sure?  Then dive straight into the Hazardous Activities section first, and not the ocean, and all should be revealed or not as the case may be.  Many of us assume that we are covered for that one-off opportunity that always presents itself when we are on holiday.  Perhaps it’s because we are feeling relaxed and taken in by the smooth patter of the ‘Holiday Rep’ and sign up for the night time ‘toboggan run’ or once in a life time ‘bungee jump’ but how many of us think “does my travel insurance cover this?”

Most travel insurance policies will have a list of sports and hazardous activities that are included as standard and even offer, with the payment of an additional premium, cover for activities at the more extreme end of the sporting spectrum.  But it does pay to look closely at the small print in your policy as this is an area where, buying cheap travel insurance, if we stick with the fish theme again, will definitely bite you if you ‘shrimp’ on the cover.  Having an accident can be very costly, after the event, and your travel insurance will definitely not cover you if the activity you have chosen to do is not on the approved list.

Your travel insurance policy is there to pick up the pieces when it all goes wrong, and not just in a figurative sense.  Surgeons can do marvellous things these days with body parts that have become detached, even as a result of shark diving, but it will definitely cost an ‘arm and a leg’ if you don’t have the travel insurance cover in the first place!

Travel Insurance that helps!

Friday, April 13th, 2007

TO ZORB OR NOT TO ZORB – TRAVEL INSURANCE WITH A DIFFERENCE!

Checking the small print in your travel insurance policy to see that you are covered to do what you intend to do whilst on holiday is essential before you go. If you intend to arrive at your resort bungee jumping from a helicopter, as the latest contestants in ‘I’m a celebrity, get  me out of here!’ were required to do, then perhaps it would be wise to check that your travel insurance policy covers you before you go.

Most, if not all, travel insurance policies, will  exclude certain activities, known in the trade as ‘Hazardous Activities.’ It is very important to choose a travel insurance provider who try and give as  much information to their customers on what activities are or are not covered and  what may be done if the right procedures are in place and the correct safety precautions taken.

So some firm advice is to check your “comprehensive travel insurance policy” before you go away, once  on holiday, and just before you rush to dive with sharks! If you are interested in purchasing a single or annual travel insurance policy why not take a look at travelandinsure.com and see what  is and what is not covered. You can see for yourself how easy and simply customers  can buy a policy online to suit their needs.

So returning to the exam question, can you Zorb or  indeed bungee jump?  Well, actually you  can, provided they are properly supervised activities, (though whether we would  recommend you did the latter from a helicopter is a moot point) and your travel insurance provider has supplied you with a comprehensive travel insurance policy. Why you would want to jump from a perfectly  serviceable aircraft is beyond most peoples understanding!