High value yearly travel insurance
Discussion
Our travel insurance which (we pay via our banks 'travel pack') no where near covers the total value of clothes within the luggage,
There is no option to increase this, yet the premium is a couple of hundred per year so not particularly cheap (there are other benefits that I do not need/use)
Anybody got any recommends for a better option before I hit the search engines?
There is no option to increase this, yet the premium is a couple of hundred per year so not particularly cheap (there are other benefits that I do not need/use)
Anybody got any recommends for a better option before I hit the search engines?
Truckosaurus said:
....I bet even those of us who dressed like tramps are under-covered on things like watches or nice shoes.
Yep. I can't recommend anybody, but be careful to check single item limit. In October, I lost my wedding ring in the sea - 3 days after I got married - and discovered that our single item limit was £500. Which wasn't enough, and didn't really seem that high (and we have the top Admiral cover).
The problem with insurance and airline compo shcemes is that they ask for proof of value. Unless you are very diligent in keeping receipts and documenting condition of items then you get nowhere. You may have receipts for high value items, but getting insurers to pay anything approaching actual value is difficult.
andyxxx said:
Our travel insurance which (we pay via our banks 'travel pack') no where near covers the total value of clothes within the luggage,
There is no option to increase this, yet the premium is a couple of hundred per year so not particularly cheap (there are other benefits that I do not need/use)
Anybody got any recommends for a better option before I hit the search engines?
Hi Andy,There is no option to increase this, yet the premium is a couple of hundred per year so not particularly cheap (there are other benefits that I do not need/use)
Anybody got any recommends for a better option before I hit the search engines?
Reckon I have same travel pack. How much cover do you need on Clothes?
On a slightly different subject. This same "travel pack" recently reimbursed me close to 16k after I had to go to emergency A&E whilst abroad due to a kidney stone..... To think I canceled our "Tech pack" but maintained our "travel pack" just incase....
Understand the T&Cs are again changing for the "travel pack" yet again.
zorba_the_greek said:
Hi Andy,
Reckon I have same travel pack. How much cover do you need on Clothes?
On a slightly different subject. This same "travel pack" recently reimbursed me close to 16k after I had to go to emergency A&E whilst abroad due to a kidney stone..... To think I canceled our "Tech pack" but maintained our "travel pack" just incase....
Understand the T&Cs are again changing for the "travel pack" yet again.
Yes, I’m sure it will be the same bank – as you say the T&Cs are changing again which is what has instigated my search.Reckon I have same travel pack. How much cover do you need on Clothes?
On a slightly different subject. This same "travel pack" recently reimbursed me close to 16k after I had to go to emergency A&E whilst abroad due to a kidney stone..... To think I canceled our "Tech pack" but maintained our "travel pack" just incase....
Understand the T&Cs are again changing for the "travel pack" yet again.
I too cancelled the gadget insurance a few years ago – too many exclusions and too little cover.
I have kept meaning to look into the travel aspect and now having read the ‘Travel Plus Pack’ T&Cs think it is poor value for money for me at £216 per year (especially when you see the max payment for a lost bag and contents)
A quick search has come up with a number of Defaqto five* companies that offer double the cover for less money (one being nearly half the cost)
However, this still would nowhere near cover the cost of my wifes holiday clothing and shoes! So I will continue the search
I will not cancel the policy until I find a replacement (and a good job you didn’t!!)
It can be done, but you'll need to go to a broker who will find a specialist underwriter (eg Higos, no recommendation just an example).
But it's like HNW home policies, you need receipts and valuations and inventories. I have no idea what the premium rates are like. As above, I'd expect the most cost effective approach to be an extension of your contents policy rather than something standalone.
But it's like HNW home policies, you need receipts and valuations and inventories. I have no idea what the premium rates are like. As above, I'd expect the most cost effective approach to be an extension of your contents policy rather than something standalone.
Re the note above on actually getting paid.
Its a PITA.
I had a bag stolen from our car (out of the trunk) in California.
It took me nearly a whole year to get paid out, and even then they only paid a % of the original cost.
They only paid out on stuff I had receipts for. In the end it was hardly worth it.
Its a PITA.
I had a bag stolen from our car (out of the trunk) in California.
It took me nearly a whole year to get paid out, and even then they only paid a % of the original cost.
They only paid out on stuff I had receipts for. In the end it was hardly worth it.
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