Making an insurance claim doesn’t have to be a massive headache at the end of your holiday.
Essential Travel says that claims can be sorted out quickly and easily by simply following a few practical steps.
Get the Policy Right
To get the right policy, you need to get the right ‘cover’. When you have that, it’s much easier to claim.
For example: if you’re going on a ski holiday, make sure that you have a policy that covers you for skiing.
Firstly, you’ll have a better holiday when you know that you’re covered properly. And it will also help when sorting out claims. Most insurers are happy to pay out when the claim follows their own policy guidelines.
Read the Booklet
People often fail to read the policy booklet. This means they think they have a policy for things that are not actually covered and, later down the line, this can mean you don’t know what you can and can’t claim for.
This will not only slow down the claiming process, you might pay for the wrong kind of cover. It’s best to go through your policy thoroughly so that you know exactly what kind of cover you will get.
Honesty Makes a Better Policy
It’s best to lay everything on the table when you take out travel insurance. Not only does this help your travel insurer to understand the kind of coverage you want, but it will help prevent any delay in settling your claim.
You might want to mention any medical conditions, the number of people cover is needed for, and any special needs you may have. Additionally, if you’re on business, you might need extra cover for laptops, mobiles, cameras, and other equipment you’re travelling with.
A late night out is one thing, but a late night out and driving is quite another matter.
Even when it’s your time to relax, most travel insurers expect you to handle yourself in a responsible manner while you’re on holiday.
In short, travel insurers won’t settle claims that arise from irresponsible behaviour. If you were to cause an accident whilst intoxicated, your claim might be delayed or thrown out.
How to Claim
Let your travel insurer know when something goes wrong as soon as possible. Most insurers have a 24 hour emergency number.
Make sure you have your policy number ready (always carry it with you while you’re travelling) and do your best to explain everything that happened.
Your travel insurer will then check whether you have adequate coverage, and if you have followed the above steps, your claims should come through glitch-free.
These tips were brought to you by Essential Travel, an award wining travel add-ons provider.
Get the right insurance here: Essential Travel.
- 7 Tips for The First-time Traveller (travelblissful.com)
- EHIC card warning for travellers (telegraph.co.uk)