Travel Insurance - Do I Need Insurance for a Holiday in the UK?
Last week my woman and I reserved a two centre vacation on the Scottish Islands. Seven days on Skye and also a ferry over to Steornabhagh for a farther seven days on the Isle of Lewis. awful decor , plenitude of walks and millions of peace and quiet.
You could have blown me over when my original trip agent assumed that I wanted trip insurance for an fresh£27.50. Not on your Nellie the Lock Ness monster, I allowed
. Who needs trip insurance for a vacation in Britain? The National Health Service is free and in an exigency, my son could drive up and bring us home.
Latterly in the relaxing setting of my sitting room I got to thinking.Holiday mischances do not only be abroad. So with my pessimistic chapeau on, I made a note of the pitfalls.
Some rotter might steal our luggage
Last week I purchased an all singing and dancing digital camera specifically for the travel. Got it on the Internet. I might lose it whilst down.
If either of us were hospitalised we wouldn't want to be deserted on Skye. We would want to transfer to our original sanitarium in Warwickshire.
My woman's parents are getting on. God prohibit, but I'd have to cancel the vacation if commodity happed to them just before we are due to go.
One of us could be taken ill before we depart and we would be forced to cancel. As the ferries and the hospices werenon-cancellable, we would lose everything we would paid.
There may be a major detention at the ferry going over to the Isle of Lewis. Besides the vexation, we've to arrange an redundant late stay on Skye.
One of us might be cried up for jury grace.also it struckme
However, my being Home and Contents policy might cover me for loss of my camera or luggage, If I were holidaying in the Britain. I dug out the policy document. Lucky I did. I was only ensured for" particular effects" if they were listed and as I'd just bought my digital camera I had not got round to listing it as a precious item on my policy.
Another aspect struck me. I'd lose my no claims reduction if I made a vacation related claim on my Home & Contents policy. That wouldn't be a good idea. I have got a ten time claims free record that policy and it still bring me£ 310 a time. I record down a another note- flash back , when the policy comes up for renewal, see if I could get it cheaper on the Internet.
By now a trip policy at£27.50 for was looking worthwhile after all.
Now my woman
says I am a bit of an old skin flint. So keep up the image! I know, get back online and check out the trip agents' policy at£27.50. Is it competitive?
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