Handy Advice for Travel Insurance Claims
Anyone planning their summer holidays will undoubtedly understand the importance of purchasing a good single trip holiday insurance policy. Such policies are designed to provide financial protection in the event of injuries, illnesses and unexpected mishaps. However, it is worth bearing in mind that considerable numbers of claims are rejected each year. If you’re keen to ensure ultimate financial protection, it’s worth following the guidance outlined in this article.
Consider Different Policy Providers
It might be tempting to use a comparison website as a means of identifying the most affordable single trip holiday insurance policy. However, you should bear in mind that there is some variation in the level of cover offered by different companies. Some will opt to exclude financial protection for lost luggage or delayed flights; others may limit the amount of cover for medical treatment. It is always a good idea to read the small print and ensure you are assured of financial protection in a variety of scenarios.
Take Pictures Of Your Valuables
In an ideal world every company would have absolute faith in the honesty of their customers. However, they are quite aware of the potential for fraud. The specialist providers consider it a priority to ascertain the validity of any claims. As a traveller you are urged to take the precaution of photographing any valuable items you plan on taking with you. You’ll be able to use the photographic evidence subsequent to instances of theft or unavoidable damages.
Disclose Essential Information
The specialist providers of single trip holiday insurance demand the disclosure of information about pre-existing medical conditions. They also expect to be informed about the results of medical tests taken prior to your vacation. Customers deemed to be at an increased risk of illness might have to pay more for cover. However, it’s better to pay a premium than face the possibility of rejected claims.
Contact the Insurer At the Earliest Opportunity
It is absolutely essential that you contact your provider at the first possible opportunity after an accident while on your break. You’ll be able to recall key information to ensure the likelihood of a pay-out. Travellers are sometimes tempted to elaborate on certain details in the hope of receiving considerable amounts of money; however, customers who remain honest stand the best chance of their claim’s success.
Don’t Be Afraid to Complain
If your single trip holiday insurance claim is rejected for any reason, it may be possible to file a complaint. The financial ombudsman will then judge the validity of your case. Every aspect of the case will be investigated and assessed in order to provide a fair and equitable outcome.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip holiday insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.