Travel Insurance - Don't skip it.

[Trabi601]

Saleen836 said:

This ^^^
I have the Premier Account and not a Premier Card, so the person on the phone didn't lie.

That's one thing to watch - my Lloyds credit card travel insurance relies on payment using that card. Our Premier current account insurance doesn't have such a restriction. (And since they changed supplier, they won't quote for 'top ups' to cover medial conditions)

[Don]

Trabi601 said:

Saleen836 said:

This ^^^
I have the Premier Account and not a Premier Card, so the person on the phone didn't lie.

That's one thing to watch - my Lloyds credit card travel insurance relies on payment using that card. Our Premier current account insurance doesn't have such a restriction. (And since they changed supplier, they won't quote for 'top ups' to cover medial conditions)

My Amex Platinum Card insurance also requires purchase of tickets and accomodation on the Amex card for the trip to be insured. The insurance with my NatWest Black Account does not...and yes I am well aware that NatWest have withdrawn cover from some cards. But not from my account as yet. They'd struggle to justify the account fees if they did that...

[audidoody]

Did they lie?

Well, the bundled travel insurance only comes with the Premier account. It says in remarkably unambiguous terms a policy claim requires proof of payment with the Premier card attached to the Premier account. I can't find the bit where it says your Mum can take out the cash and give it to you to pay for your holiday and keep the insurance valid.

Come to think of it why the actual fk would it matter HOW the holiday was paid for? It has no bearing on risk. It's just a marketing gimmick to get people to use their Premier card more.

I've jacked in the Premier account, and now have a solid annual travel insurance policy with Globe Link International.

It has no preconditions about how the holiday is paid for. Probably allows me to pay in Mexican love beads.

"Free" travel insurance? If it looks too good to be true it probably is.

Edited by audidoody on Monday 26th December 14:52

[Perik Omo]

audidoody said:

Did they lie?


I've jacked in the Premier account, and now have a solid annual travel insurance policy with Globe Link International.

It has no preconditions about how the holiday is paid for. Probably allows me to pay in Mexican love beads.

"Free" travel insurance? If it looks too good to be true it probably is.

Edited by audidoody on Monday 26th December 14:52

+1 for Globelink, we've used them for a few years now and chose them after a lot of research and quotes, it's a bit more difficult for us as we are Europe based.

[pincher]

audidoody said:

Did they lie?

Well, the bundled travel insurance only comes with the Premier account.

How do you get a Premier Card without having a Premier Account? Is it even possible?

I had the notification of rearrangement of 'benefits' for the Premier Account the other week so think I need to go and recheck exactly what they are offering........

[lovegifs]

popeyewhite said:

But...but... don't millions never claim off their car insurance?

The car insurance industry hasn't made an underwriting profit since 1993

[HotJambalaya]

Don said:

My Amex Platinum Card insurance also requires purchase of tickets and accomodation on the Amex card for the trip to be insured. The insurance with my NatWest Black Account does not...and yes I am well aware that NatWest have withdrawn cover from some cards. But not from my account as yet. They'd struggle to justify the account fees if they did that...

I believe that with Amex plat you get the medical insurance regardless of how the trip is paid for, but its all the extra coverage like delays etc that are only if you use the card. Bit of a downgrade over how it used to be.

I had the natwest black card, but they're stopping everything in a few days and making it a free card.

[Bandit110]

I'm not sure of all the details relating to this but a friend's sister had a slip on some marble flooring in a hotel reception a good few years back in Italy, she declared she'd had a vodka or something with her evening meal which caused the travel insurance people to pull the shutter down. Long story short and even longer bill, my friend's parents paid up inc one item of £13,000 for air ambulance back from Italy.

More recently a colleague was on holiday in Portugal, had a slip in the bathroom which ended up with a hospital stay, the insurance company paid for everything "no expense spared" which also included flying his wife out to be with him.

Travel insurance is second on the list for me.

[NDA]

HotJambalaya said:

Don said:

My Amex Platinum Card insurance also requires purchase of tickets and accomodation on the Amex card for the trip to be insured. The insurance with my NatWest Black Account does not...and yes I am well aware that NatWest have withdrawn cover from some cards. But not from my account as yet. They'd struggle to justify the account fees if they did that...

I believe that with Amex plat you get the medical insurance regardless of how the trip is paid for, but its all the extra coverage like delays etc that are only if you use the card. Bit of a downgrade over how it used to be.

I had the natwest black card, but they're stopping everything in a few days and making it a free card.

Coutts have cancelled travel insurance on their cards... seems an odd move.

[lovegifs]

Bandit110 said:

I'm not sure of all the details relating to this but a friend's sister had a slip on some marble flooring in a hotel reception a good few years back in Italy, she declared she'd had a vodka or something with her evening meal which caused the travel insurance people to pull the shutter down. Long story short and even longer bill, my friend's parents paid up inc one item of £13,000 for air ambulance back from Italy.

More recently a colleague was on holiday in Portugal, had a slip in the bathroom which ended up with a hospital stay, the insurance company paid for everything "no expense spared" which also included flying his wife out to be with him.

Travel insurance is second on the list for me.

You have to make sure your travel policy doenst have an exclusion that says 'under the influence of alcohol' you would be amazed how many do!

[popeyewhite]

lovegifs said:

popeyewhite said:

But...but... don't millions never claim off their car insurance?

The car insurance industry hasn't made an underwriting profit since 1993

They make plenty of profit. The fact they have to waste it on fraudulent whiplash claims rather than lining their pockets and everyone else's in the claim-chain is neither here nor there. Car insurance industry makes profit:

https://www.theguardian.com/business/2014/jun/09/u...

[carreauchompeur]

lovegifs said:

You have to make sure your travel policy doenst have an exclusion that says 'under the influence of alcohol' you would be amazed how many do!

Whilst they do, I think it's designed to exclude people who are ratarsed rather than just having had a couple of beers with dinner, despite apocryphal tales to the contrary.

[lovegifs]

carreauchompeur said:

Whilst they do, I think it's designed to exclude people who are ratarsed rather than just having had a couple of beers with dinner, despite apocryphal tales to the contrary.

Define - under the influence of alcohol, because they dont

[TwigtheWonderkid]

popeyewhite said:

TwigtheWonderkid said:

jesta1865 said:

djc206 said:

I don't understand how travel insurance is so cheap to be honest, would never chance going anywhere without it.

I hope your wife is ok

because it's not compulsory, so we don't get bent over for it.

cynical, moi!

Or it could be because most people buy it but never need to claim. They must sell millions of policies that run claim free. That pays for the odd horror story, and allows them to make a profit.

But...but... don't millions never claim off their car insurance?

No. The average is one claim every 4.5yrs, or one every 3.5 yrs on company vehicles. Very few people never have to claim on motor insurance. But millions of people never claim on travel insurance.

Also, hardly any travel insurance claims have a third party cost.

[popeyewhite]

TwigtheWonderkid said:

Also, hardly any travel insurance claims have a third party cost.

Good point. Although that helicopter flight off the slopes then extra room on the flight for your broken leg might cost a bit more than a new bumper and rear door.

[GuinnessMK]

Any recommendations for companies who will deal with pre-existing conditions.

Not me, but for my wife who has a range of conditions, which would make me think my Lloyds cover will be OK for me and the kids, but wouldn't cover her.

[carreauchompeur]

lovegifs said:

Define - under the influence of alcohol, because they dont

True. It's not going to stop me having a few jars, I'd hope they would be sensible.

[Trabi601]

GuinnessMK said:

Any recommendations for companies who will deal with pre-existing conditions.

Not me, but for my wife who has a range of conditions, which would make me think my Lloyds cover will be OK for me and the kids, but wouldn't cover her.

Virgin.

[Perik Omo]

GuinnessMK said:

Any recommendations for companies who will deal with pre-existing conditions.

Not me, but for my wife who has a range of conditions, which would make me think my Lloyds cover will be OK for me and the kids, but wouldn't cover her.

Globelink or Staysure will cover existing conditions for an extra charge.

[craig1912]

GuinnessMK said:

Any recommendations for companies who will deal with pre-existing conditions.

Not me, but for my wife who has a range of conditions, which would make me think my Lloyds cover will be OK for me and the kids, but wouldn't cover her.

https://www.allcleartravel.co.uk