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Archive for August, 2011

Ten top tips for your Gap Year

Tuesday, August 23rd, 2011

Planning a gap year? Then here are a few useful tips to make sure you get the cover you need.

Tip 1 Emergency Medical Expenses covers emergency treatment and to get you back home if necessary.  Make sure you have this cover, if nothing else.

Tip 2 If you have a medical condition(s), do tell the Insurance Company as they may decline any claim if you don’t.

Tip 3 Check the amount insured for cancellation is enough. Some Gap Year trips can cost a lot more than the insurance cover provided.

Tip 4 Check you have cover for an Airline going bust and if the Foreign Commonwealth Office warn travellers to not go to a country you are planning to visit.

Tip 5 Get a policy that provides Personal Liability cover, just in case you accidentally harm someone or something and make sure it does not exclude harming a travelling companion under the Personal liability section and also that it does cover damage to accommodation.

Tip 6 Get Gap Year insurance that covers working/volunteering and watch the small print as some will cover working but not if being paid, and some cover work but exclude many types of job.

Tip 7 Pick the highest grouping of the sports or activity you think you might do or choose a Gap Year Policy that covers all unplanned sports and activities.

Tip 8 Check how much kit you’ve got, and then check the cover provided under personal effects. Many items could be excluded, especially electrical items e.g. laptops, camera’s, etc.

Tip 9 Buy Gap Year and Backpacker Insurance when you book your flight/trip so you are immediately covered if you have to cancel due to illness.

Tip 10 Take two copies of your insurance documents. Leave one at home, take one with you and maybe scan into an internet document safe.

Tip Plus one! For parents A family annual multi-trip policy is for short trips, usually holidays and generally under 31 days for each trip and so is not suitable for extended period away. Children may have to be under 18 and many have travel restrictions.

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

4UK tour operator folds

Wednesday, August 3rd, 2011

A tour operator with 12,000 UK holidaymakers currently abroad has gone into administration. Brighton-based Holidays 4 UK, which also traded as Aegean Flights, sold packages and flights to Turkey.Administrators PricewaterhouseCoopers (PwC) said the Civil Aviation Authority (CAA) would be responsible for getting home those already abroad – as long as they had booked flights as part of a package holiday. These people are covered by the CAA’s Air Travel Organisers’ Licensing Scheme (Atol).

The administrators said passengers booked with the company on future flights, should not travel to the airport and should refer to the CAA for more information. The administrators added the Atol scheme may also reimburse passengers who booked a package holiday and had not yet travelled. Passengers who booked through a travel agent were advised to contact that agent in the first instance.The Atol website at www.caa.co.uk is being updated regularly to provide details of return flights for passengers currently on holiday. Passengers who did not book through an agent but booked with the company are advised to check the CAA website for more information on return flights if they are currently on holiday or for information regarding refunds.

Under the Atol scheme, most of the 12,000 already abroad will be able to carry on with their holidays and then be able to get flights home. It is thought Holidays 4U had about 40,000 to 50,000 forward bookings and was licensed to carry 66,000 passengers during the July to September 2011 period, and more than 100,000 a year.

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