Travel Insurance - Frequently Asked Questions
Clever Zebra loves travelling and hates worrying! By taking out travel insurance you can cross a whole load of things off your potential worry list.
Travel insurance comes in a variety of forms and there are a few questions that pop up fairly regularly. These frequently asked questions are listed below.
1. How much does travel insurance cost?
3. I have high blood pressure. Will this affect my insurance premium?
4. I’ll be doing a bungee jump when I go on holiday. Will my insurance cover me for doing this?
5. Would my insurance replace a lost camera?
6. If items are stolen from the beach while I’m swimming in the sea will my insurance cover this?
1. How much does travel insurance cost?
The price of travel insurance varies greatly between insurance companies and whether you go for an annual travel policy or a single holiday policy. The best thing to do is get a quote.
Yes, travel insurance is taxed at a rate of 17.5% per premium.
3. I have high blood pressure. Will this affect my insurance premium?
It is unlikely that your policy will cover conditions that are present at the point of buying the policy. If you suffer from any form of medical or mental health problem you should read your policy carefully to check the level of cover.
4. I’ll be doing a bungee jump when I go on holiday. Will my insurance cover me for doing this?
You may need to take additional cover if you intend to participate in dangerous sports whilst you are away. Read your policy carefully to see what you are covered for.
5. Would my insurance replace a lost camera?
Tip: Losing a camera while you are holiday may be covered on your home insurance! Read your home insurance policy carefully to see whether you are covered.
In most cases, claims are paid at what the value of the goods at the time that they were lost. In the case of a camera, a brand new camera that is lost a day later would only have a second hand value. If you are taking expensive items on holiday with you it’s worth checking that you have adequate cover.
6. If items are stolen from the beach while I’m swimming in the sea will my insurance cover this?
You may not be covered should an event like this occur. Leaving valuable items unattended is an invitation to thieves. The best practice in this situation is to do all you can to leave valuables in a secure place.