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Travel Insurance

Tip #6– Your travel insurance does not cover every disaster!
Which? Holiday urges the travel insurance industry to up its game

Rochelle Turner, Head of Research for Which? Holiday says:
“Holiday makers tend to assume that if they’ve taken out travel insurance, they’ll be covered for disasters beyond their control – an airline or hotel chain going bust, or getting caught up in an act of terrorism. Sadly, our rigorous research has found that’s not always the case.
“The travel insurance industry must up its game and start to provide policies customers can really rely on, or at least make their policies clear rather than hiding exclusions in the small print.”

While insurance is a holiday essential, travellers shouldn't assume that their policy will cover every eventuality. New research from consumer champion Which? Holiday has found that policy holders should check the small print very closely to ensure they really are covered on their holiday:
• Half the insurers asked wouldn’t pay out if you missed your flight due to bad traffic, but they might pay out if you are delayed due to public transport.
• Only a third of insurers would pay out if the hotel, care Hire Company or other supplier at the destination goes bust.
• 41 per cent of insurers don’t cover scheduled airline failure, so if you're airline goes into administration insurers wouldn’t pay out.
• A mere 18 per cent of insurers would pay out for the cost of the holiday in the result of an act of terrorism.
• If you break down on the way to the airport, you might need to show service history or age of the car before some insurers pay out, and often flat tyres or batteries are not covered.

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Executive Traveller 2003