Travel Insurance - why would we need it for a holiday in England?
Last week my husband and I booked a two week holiday on the wonderful Orkney Islands. All that beautiful scenery and hopefully no chance of a mobile phone signal, we would be alone with the birds and the wildlife for two whole weeks - what a treat!
I was as stunned as could be when the travel agent added an extra £27.50 to the bill for travel insurance. Why on earth would we need that, { Mortgage Bazar, mortgages for the 21st century } I thought. Did they think we came down in the last shower? Why would we need travel insurance for a trip to another British destination? It's not like we'd have to pay for hospital treatment as the NHS is free and we're in Orkney after all, not Timbuktu.
When I got back home, I started to think about it all in more detail.
Things can go wrong on holiday, whether you are abroad or in Britain. I
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- What would happen if one of us were taken ill before we departed? We'd have to cancel, and both the ferries and the hotels would not take cancellations.
- Both our parents are getting older and God forbid anything should happen to them, but if it did, we'd of course have to cancel the holiday.
- My husband or I could be called up for jury service, which as everyone knows, you have to do.
- What if there was a major delay at the ferry? We'd have to stay in John O'Groats for the night, an extra expense. { car insurance Mart }
- What is someone stole our luggage?
- I bought a very expensive digital camera to zoom in on the puffins and seals, what if I lost or accidentally broke it?
- If either of us were hospitalised, we'd want to be transferred back to our local hospital in Manchester to be near our family and friends.
After writing the list, I remembered our Home and Contents insurance policy, surely that would cover me if the luggage or camera was lost travelling in the UK. { new mortgage articles @ mortgage machine } I dug out the policy, and was glad I did. Our policy covered "personal possessions" but only if they were listed. I'd only got the camera a fortnight ago, and it hadn't occurred to me to ring the insurers and have it added onto the policy as a valuable item.
Then I had another thought. { Car insurance route- great resource }If I needed to make a claim on the Home and Contents insurance, that would be the end of a very healthy no claims discount. That would be a major disadvantage to making a claim. A ten year claim free record and the premiums were still coming in at £305 a year. I made a mental note to shop around when the home and contents insurance came up for renewal.