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Pre-holiday checklist: holiday insurance

By: Estell Giandelone

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Although perhaps not first on your shopping list, having a good holiday insurance policy in place before you embark on your vacation is as essential as booking the right accommodation. Here are a few things to bear in mind with regards to holiday insurance policies.

Number One: Read the small print! Perhaps not the first thing to spring to mind when you are making sure that you have enough Factor 50 to take with you, it is essential to have a good idea of exactly what you are - and are not ? covered for by your holiday insurance policy.

Know the conditions of your policy concerning theft and robbery. Not nice to have to think about, but essential nonetheless. The bottom line for most holiday insurance policies is that they will only pay out if you have taken reasonable precautions to protect your property.

In practical terms, this usually means not leaving small valuables like digital cameras and mobile phones unattended in your hotel or apartment room ? something that many of us have probably done at some time in the past. Secure valuables in a safe where possible, and take them out with you if this is not possible. Remember when you are out and about not to leave valuables in unattended baggage, or public places, as such carelessness will also invalidate most holiday insurance policies when it comes to the theft of your possessions.

Be aware of the level of cover provided for valuables, as most holiday insurance policies fix an upper limit on the value of the single items that are covered by the policy. If you are bringing expensive items like a laptop on holiday, check that your holiday insurance policy is adequate to cover such items, and be prepared in many cases to have to pay more to separately cover expensive items.

Check the terms that apply regarding excess when you claim on your holiday insurance policy. Excess is a regular feature of most insurance policies, including holiday insurance, but the way that it is invoked can differ between otherwise similar polices. Some policies apply excess for each and every insurable item claimed for, even if the damage or theft occurred during a single incident. For example, if you are knocked over and several items in your bag break, you may find excess payable on each item broken.

A word of caution: the cover you receive against damage due to accidents is easily invalidated if you were drunk or careless at the time of the incident.

When you shop online for a holiday insurance policy, make sure the site you are looking at conforms to the standards set by the various established providers, like Go Travel, where you will find the small print of all the various policies offered included on the website. Remember, avoid buying holiday insurance policies before reading the small print!

Article Source: http://depositarticles.com/

Estell Giandelone never travels without a good holiday insurance policy.

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