Posted on November 17, 2015 at 7:01 am by BeeMyMinder
How you can save on money on Winter Travel Insurance
Heading off on a winter holiday this year? Or perhaps you are super organised and planning in advance for next year?
Well don’t forget your travel insurance! Of course, you can head away with no insurance at all, but at BeeMyMinder, we highly discourage you from doing this. Travel insurance can reimburse you for a multitude of things, including if your trip gets cancelled, or if you need medical attention while away.
Visit our travel insurance page here for more information, or keep reading for our top tips for getting the most suitable cover for the best price.
Type of travel insurance
Firstly, you want to know which type of insurance to get. If you are lucky enough to be travelling more than once or twice in a year, then annual or multi-trip cover may be the cheapest option. You also need to get the right cover for where you are going, if you’re planning on doing any winter sports or extreme activities, you need to ensure that you add this to your cover.
So, if you’re heading to the Alps for a ski holiday, make sure you tick that winter sports option. No matter your expertise, you must always account for accidents. Click here for excellent rates from Atlasdirect.
Use comparison sites
We are also big fans of utilising comparison sites, and this doesn’t change when it comes to travel insurance! Money Supermarket, Go Compare and others all offer free use to get travel quotes. Buying travel insurance from the travel agent can end up costing you far more and you can find some excellent deals out there online. Put some of that extra money towards your trip.
Be sensible about the level cover
Decide on the level of cover you need before you start to hunt around. If you’re taking away an expensive tablet or a GoPro camera to capture the ski slopes, you want to check what the single item limit is, if it’s less than what your gadget is worth, the insurance won’t cough up. We also recommend having at least £2m worth of medical expenses cover, higher if you will be taking part in ‘risk’ activities, so take note, skiers, snowboarders and mountaineers!
Check existing insurance policies
If you have home insurance, you may already be covered for personal possessions when away from home, so you can remove this cover from your travel insurance. Also, if you have a credit card or current account, your bank may offer travel insurance, although it may be at a very basic level. However, it’s always worth checking and seeing what you’re entitled to.
If heading to Europe for your winter holiday don’t forget to take (or get) your European Health Insurance Card. This gives you cheaper (sometimes free) healthcare when visiting EU countries. It’s free from the EHIC website and valid for 5 years. Although some insurers will void your medical claim if you use this card, so be wary of this.
Check details are correct
Before you go ahead and pay for your travel insurance, make sure your details are correct. If any of your information is spelt incorrectly or entered in wrong, it may make your insurance completely invalid so double check before you purchase!
A bit of inspiration!
If you haven’t yet booked your holiday, check out our new partner SkiBed for tailor-made ski breaks. Also, be sure to do some further research into the resorts you’re looking at as some offer lift passes free for children under 9, as well as discounts for under 16s.
If you still need help, simply sign up with BeeMyMinder so you can stay on top of your finances with our insurance reminder service.