Details Of The Various Types Of Travel Insurance Covers In The UK


Travel Insurance

Various types of travel insurance covers in the UK

When planning to buy a travel insurance cover, you must be aware about the different types of covers. Depending on your travelling needs you can select the one that suits you the most. Check if there are hidden costs associated with any of them. You can make big savings by choosing the right policy whilst the wrong policy will be wastage of money. It is advisable to find the most suitable travel insurance policy for yourself and then buy the most suitable cover.

Different types of travel insurance covers:

Backpackers insurance: This type of insurance is for travellers who plan long vacations that stretch for more than three months. The cover protects you for a time period that ranges between three and 18 months. So, if you are on a world tour or plan to see a couple of countries within a time frame that is more than 3 months, then you are insured and thus will be paid out for any losses.

Winter sports travel insurance: For all you sporty guys, this is a specialised insurance that covers you against losses due to risky sports like skiing and snowboarding. As many travel insurance covers do not protect you against this kind of sports, a winter sports travel insurance is a must for adventurous people.

Adventure travel insurance: This insurance cover is similar to the previous one, but covers one against more courageous activities like bungee jumping and white water rafting. You need to pay higher premiums than the standard insurance, but it’s worth the investment.

Family travel insurance: If you are planning a family holiday then its best to take out a cover for the entire family. This is cheaper than buying a cover for each member. It covers adults and children up to the age of 18. You can take this cover for single, multiple or annual trips and secure your family from unexpected financial losses.

Travel insurance for the elderly: It’s difficult to get a travel insurance cover for people above 65. Insurance companies charge unexpectedly high premiums as the elderly are more likely to get injured during the trips. However, some specialist firms offer insurance cover for the elderly and cover pre-existing medical conditions. This travel insurance policy is a must have for travel loving elderly people, even if they are fit and healthy!

Business travel insurance: Frequent travels due to the business should be covered under this kind of insurance policy. Unlike the standard insurance policy, this cover includes all types of work overseas and pays off for damage to office equipment like a laptop or a smartphone. Ideal for people who need to frequently travel for work purpose.

The above mentioned policies are aimed to make travel comfortable and affordable. Buying them would help you save money and offer absolute peace of mind. Check the various travel insurance providers in the UK and choose a specialised travel policy that suits your needs.

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