MARCH 2019 PAGE 4
THE KNOWLEDGE Travel Extra Clownings, Straffan, Co Kildare (+3531) 2913707 Fax (+3531) 2957417 Editor: Eoghan Corry eoghan.corry@ travelextra.ie Publisher: Edmund Hourican firstname.lastname@example.org Sales Director: Maureen Ledwith email@example.com Sales Manager Paulette Moran firstname.lastname@example.org t: +353 (0)1 291 3702 Accounts and Advertising: Maria Sinnott email@example.com Sunday Supplement & Online: Mark Evans firstname.lastname@example.org Chief Features Writer: Anne Cadwallader email@example.com Contributors : Marie Carberry firstname.lastname@example.org Carmel Higgins email@example.com Cauvery Madhavan firstname.lastname@example.org Catherine Murphy email@example.com Aileen O’Reilly firstname.lastname@example.org
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3 News Holiday world 6 ITIA Awards: This year’s winners
26 Jamaica: Anne Cadwallader report 24 Afloat: Yeats says hello 26-30 Flying: Airline and airport news 31 Travel writers: this yar’s winners
34 Global Village Inside the travel industry 35 Window seat: Our columnists 36 Pictures: Out and about
any people have a fixation on price as the determining factor when choosing travel insurance. But there is a substantial difference between policies in terms of coverage, the level of excesses and what cover is available only as an optional extra.
travel is not covered by 25pc of annual policies and is an optional extra for 28pc of them. Cover is standard with 47pc of annual policies.
SEPARATION A third of
annual policies won’t provide cover for your children (or stepchildren) if they don’t live with you.
travelling independently are not covered by half of all annual policies and other insurers are likely to regard children as travelling independently even if one parent puts them on a plane and the other collects them when they get off. They insist that children are accompanied by a responsible adult for the whole journey.
bills for medical treatment abroad can be huge, despite this, a fifth of skiers don’t bother with insurance at all, while only a third of those who do buy a policy check that it covers them for winter sports. Just 30pc of annual travel policies include winter sports cover as standard, while 63pc
You never know when and where: Ambulance in Benidorm
offer it as an optional extra and 7pc don’t include it at all. Check the terms carefully. Some exclude off-piste skiing altogether, others insist that you have a guide, for example. Many policies restrict the amount of skiing you can do within the year.
ure is covered by just 34pc of annual policies provide this cover as standard, while it is an optional extra for 4pc of annual policies; 62pc don’t provide cover at all. However, the elaborate bonding scheme does not cover most ticketonly air fares you buy direct from an airline.
Some charge no excess at all, but others charge as much as u500 of a claim before you receive a penny from your insurance. With medical expenses the average excess is u85, with a range of zero to u600. For cancellation, the average excess is u80, with individual insurers charging anything from nothing to u300. For loss of deposit is the average is u40 and maximum u300; the equivalent figures are u80 (maximum u250) for lost baggage, u10 (maximum u120) for delayed baggage and u80 (maximum u420) for legal expenses.
Three quarters EXCESS limits on AGE of annual policies have your insurance can vary widely according from one insurer to another.
a maximum age of 75 years or less, and 27pc have a maximum age of
65 or less. It is essential that any pre-existing medical conditions are declared to the relevant provider as failing to do so could invalidate the policy.” Cover might already be there from your bank as part of your current account. Although “packaged accounts” are much maligned, they can offer the elderly a cheap way to get travel cover. Even where insurers did not have maximum age limits, premiums are often so high as to be unaffordable. One policy has a maximum age of just 34.
LENGTH of holiday is important. Some policies allow you to be overseas for a maximum of 17 consecutive days, 45pc of annual policies limited trip coverage to 31 days abroad while
others will cover you even if you are abroad every day of the year.
BREAKING the journey could invalidate your insurance, if you have a backpacker policy but need to come home for a few days, some insurers won’t cover you when you resume your travels. Coverage will automatically cease for 57pc of backpacker policies, regardless of whether or not you intend to resume their travels abroad. PETS If your return
from holiday is delayed, will your travel insurance cover the cost of an extended stay in kennels for your pets? Fortysix per cent of policies provide such cover, with limits typically varying from u50 to u750.
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