ust over a month ago, my
boyfriend and I decided to · One of us could fall ill before
visit the beautiful city of we depart, we’d have no choice
Edinburgh for our 5 year but to cancel the trip. The
anniversary. We live in Dorset, flights and the hotel were
so we didn’t want to spend the non-refundable, so we’d have to
whole time travelling. To make pay anyway.
the trip easier on ourselves, we
decided to fly there, and used a · My Grandfather has been ill
travel agent to organise the week lately, if he got suddenly worse
long holiday. Imagine my surprise then I wouldn’t be able to go on
when I saw an additional £27.50 holiday. Again, the trip would
on the quote for travel have to be cancelled.
insurance! We were only going to
Edinburgh, not Pittsburgh! · Either of us could be called up
for jury service at any time.
I was offended that they thought
we would be so stupid as to get · Flights are delayed and
travel insurance for a trip cancelled all the time. On top of
within the UK. They have the inconvenience, we may need to
hospitals in Edinburgh, and it arrange an overnight stay near
really isn’t very far away. But the airport.
later on, over a cup of hot
chocolate, I put some more · Anything could happen to our
thought into it. luggage, airlines lose suitcases
all the time.
Holiday disasters can happen
anywhere, not just abroad - so I · My boyfriend bought me a
made a list of what could wonderful digital camera as a
feasibly go wrong: present, if I lost it, it would
be very expensive to replace. After the investigations I had
made so far, I realised that
Hang on a minute, what about our £27.50 for a travel policy wasn’t
Home & Contents insurance policy? actually too bad.
I bet that would cover us for
loss of luggage or my camera as I’ve never been one to rest on my
long as I was in the UK. I found laurels though. I might have
the policy and read the small decided that travel insurance was
print. No such luck, only a good idea, but it didn’t mean I
‘personal possessions’ that were was willing to accept the price
listed on the policy counted, so quoted by the travel agent.
everything in the luggage
wouldn’t be covered, and I’d need I went online to get some more
to make a phone call to get the quotes. The first two or three
camera included on the policy. sites I looked at couldn’t give
me what I wanted, but 10 minutes
I remembered something else – we later, I struck gold. I found a
had over 4 years of no claims single trip travel policy for the
discount on our Home & Contents UK, and it was a good £10 cheaper
policy. If we had to make a than the travel agent’s quote.
claim, we’d lose the no claims
discount. Our premiums would go I read the small print, no point
sky high after that, they were signing up without knowing all
already high enough as it is, at the facts. I was pleased to see
£305 a year. I realised that I all the points I had listed were
really should look for a cheaper covered.
Home & Contents policy at the
time of renewal, and promised Now the exclusions – was it all
myself to do that in future. too good to be true after all?
Phew – no need to worry. If the
holiday was less than 25 miles
from our home address, or for Happy with the policy I’d found
less than 2 nights, then we and with the decision that we did
wouldn’t be covered. No problem need travel insurance after all,
there. Otherwise the only I bought the travel insurance
downside was that we’d have to policy there and then.
pay the £30 if we needed to make
a claim. Fair enough.
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