Insurance News & Articles

Many British drivers mistakenly believe that their UK car insurance will automatically cover them on European roads, an industry expert has said.

However, esure’s Adrian Webb explained that most policies only covered third party damages.

Mr Webb said that it was important the drivers contacted their provider and arranged additional cover before driving in Europe.

“People have got very confused over this whole area; people seem to have absorbed the view erroneously that having an insurance policy with a UK company covers you anywhere within the EU,” he explained. (more…)

UK policy holders have been urged to extend their motor insurance for cover abroad before they embark on a European road trip.

Insurance firm esure claims that many Britons travel abroad without the necessary cover despite the fact that, according to RAC research, they are three times more likely to be involved in accident in Spain or Portugal compared to the UK. (more…)

Online Brokers provide broader selection and at the same time provide the list of top quality products. When buying from online travel insurance site, always check the “about us” page for information about the company. It is important to see if the business is internet only company or if the website belongs to established business that decided to offer their services online to better serve their customers. Also, look for Web based seal (Trust-e, BBB etc) that displays information on payment, reliability, security and consumer rating that is authenticated by a third parties such as Truste or BBBonline. The seal authentication page may include the following information:

• Name, address, and phone number of the company
• Seal activation and expiration dates
• Ratings and reviews
• A customer service contact
• A link for complaints to the company or to the seal provider

A website should be able to answer most common questions without ever contacting the company. Look for the support section where they have a list of frequently asked question about the company, services, travel insurance rates, policies etc. Also, look for travel insurance certificate or outline of coverage document that will cover all the details including the “fine print”.

For pricing, it is important to look for website that offer quoting capabilities or offer chart with detailed chart rates. Make sure to look for restriction or activities that might require additional coverage such as scuba diving, mountain climbing or skiing etc. When ordering your plan, make sure the page you are ordering from is a secure page. Secure web page address should start with “https” and your browser should show you a padlock at the lower right hand corner of the browser.

Finally, make sure that the “contact us” page on the travel insurance site gives you the ability to contact them via email and phone.

Your vacation can take a year to save for, only a second to ruin and that’s why we recommend purchasing Travel insurance through AIG Travel Guard. Starting at $30.

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A report recently published by Defaqto, stating that some separated and single parent families may not be fully insured by their family travel policies. According to Defaqto, there were many variations in the small-print definitions of ‘family’, and certain policies may not cover all separated families. For example, a parent who doesn’t live with his or her child might not be covered by the policy when they take their children on holiday. It is becoming a big concern because not all insurers are making changed to their policies to reflect the new nature of families in 21st century.

Your vacation can take a year to save for, only a second to ruin. We recommend purchasing Travel insurance through AIG Travel Guard. Starting at $30.