A new survey of British holidaymakers has uncovered some rather worrying trends when it comes to protecting themselves and their belongings while abroad.
The survey by fundraising website Give as You Live polled some 2,000 Brits and found that 15% never secure appropriate travel insurance before taking a trip. Interestingly, it’s younger holidaymakers aged between 16 and 24 years old who are less likely to take out insurance, while their older peers (aged 35-44) are the group most likely to ensure they have sufficient coverage before travelling.
Geographically, people living in Belfast and Edinburgh are the most lackadaisical when it comes to insuring themselves on holiday, with one-fifth of respondents from each of these cities saying they never take out holiday insurance.
“It’s easy to assume you don’t need travel insurance on holiday if you aren’t going too far or it’s not a sporting holiday like skiing,” said Managing Director of Give as You Live, Greg Hallett, “but you never know when disaster might strike – whether it’s a broken leg, petty theft, or something far more serious.
“Travel insurance doesn’t need to be costly … and in fact, it should be considered an investment in your peace of mind. It’s always better to be safe than sorry and to be able to enjoy our holidays without the worry of forking out extra costs if something goes wrong.”
According to research by the website Travel Insurance Explained, holidaymakers inevitably take a plethora of expensive gadgets with them every time they travel.
The poll of 5,000 holidaymakers found that nearly two-thirds travel with at least one high-tech gadget – a phone, camera, iPad, personal computer, sat nav or smart watch. And when you consider that the bill to replace a lost or stolen iPhone 8, for example, could run to more than £900, the relatively low cost of many travel insurance policies makes them a no-brainer.
However, travellers need to ensure they fully understand their travel insurance policies before they jet off, especially any limits, exclusions and excesses so that they will avoid disappointment should they need to claim.
Some policies will only cover things like smartphones, cameras and other gadgets if the policy holder pays an additional add-on. Others may carry single item limits, which is why holidaymakers need to fully understand exactly what is covered before they depart.
“Many travel insurance policies do not cover gadgets as standard and a majority specifically exclude mobile phones,” said Fiona Macrae, head of Travel Insurance Explained. “Others offer low levels of cover – often £500 or less – and demand a high excess, the amount the policyholder must contribute to any claim.”
While physical devices like phones and cameras can be replaced, the memories they contain in the form of pictures are irreplaceable for most people.
It’s always better to be safe than sorry, which is why people should always take out suitable cover before they travel and understand not only what their policy includes but more importantly what it doesn’t include.
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