Cheap Travel Insurance Tips Ireland - CompareTravel.ie
Do you expect prices to rise, fall or stay the same
and why?
Competition in the Irish travel insurance
sector is fierce and this is only set to intensify as more providers enter the market.
Despite this, I feel premiums will remain stable for the immediate future. This
is due to the high number of claims processed in recent years due to third
party insolvency, strike and adverse weather conditions.
What are your top tips for reducing your travel
insurance costs?
Frequent travel – If
you’re likely to take more than one trip this year, you can save money by
purchasing a multi trip or annual travel insurance policy rather than a number
of single trip policies.
Opt for email – Save
cash by opting to receive your insurance documentation via email. Some
companies charge a fee to cover postage costs if you select to receive the
policy by mail.
Buy online – Many
companies offer discounted prices when you purchase online. Be conscious that
you may incur additional charges if you book over the telephone.
Buy together – Many travel insurances companies will discount
policies for couples and families so put your money together! Prices may vary so make sure you compare
quotes.
Health Insurance – Many travel insurers will offer a discount if you
already have health insurance with one of the main insurers e.g. VHI or Aviva. This
option should be available on their website.
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Travel Insurance useful Tips?
Cover levels - When
comparing and reviewing travel insurance products ensure you compare like with
like, the main criteria to compare are Cancellation, Medical Expenses and Lost
Baggage.
Emergency number - When
travelling abroad always bring a copy of your holiday insurance policy and
emergency assistance number and keep them safe either by storing them on your
phone or keeping the details in your wallet or purse.
Airline report - If
your luggage goes missing or is damaged, you will need to report the incident
to the airline and complete a Property Irregularity Report. (PIR Report)
Report Incidents - If in
the unfortunate event items are stolen, report to the local police station
within 24 hours to confirm the incident did occur.
Pre Existing condition - If you
have a pre-existing medical condition, contact the insurance company to
disclose this specific illness. You may have to call a pre-existing medical
screening telephone number or ask your GP for a letter to confirm your fit to
travel.
Keep records - If you
fall ill abroad ensure you contact the emergency assistance number and keep all
receipts from the Health centre, Doctor or Hospital. The emergency assistance
number details should be on your travel insurance policy document.
What trends are you seeing in the market?
Many travel providers now offer additional
levels of cover that can be added to your policy, these may include, cruise,
golf, business and winter sports cover. However I feel that the most important
optional benefits would be travel disruption or volcanic ash cover, this will
insure the individual in the event flights are cancelled due to volcanic ash or
adverse weather conditions. Always read the policy wording carefully to ensure
you understand what is covered. If in doubt give the insurance company a call.
