Travel Insurance for Holidays at Home
Posted on | December 1, 2009 | 9 Comments
Is this year then, the time to look at taking a break in the UK rather than travel abroad? Well certainly worthwhile considering but the same rules apply to holidays in the UK as they do elsewhere, do make sure you are properly covered in case of emergencies. Travel insurance, for example, is not always thought of as a necessity if you take a break in the UK, being so close to home and under the safety net of the NHS should you have an accident but travel insurance covers much more than medical emergencies. It is a fact that most people buy travel insurance for trips and holidays abroad but these policies do generally provide cover for travel within the UK, though do check the small print rather than assuming that this is always the case. So is affordable travel insurance that covers holidays in the UK worth considering? It can be very useful to have insurance should you subsequently cancel a trip, say for illness, as your holiday costs will be reimbursed subject to any excesses to pay.
Your personal effects will probably be covered too which is an important point to consider as theft and loss is not just confined to holidays on the ‘Costas’ – these things happen at home too. What you will almost certainly not be covered for will be for medical emergencies and expenses as insurers argue that the NHS is available for such instances and will point out that travel insurance is not a substitute for private medical insurance. One final word of advice though is do check the small print as many, if not most, insurers do require you to have proof of booked accommodation for a minimum stay of normally 2 nights away for the policy to be in force so the Sunday ‘trip out’ is definitely outside this definition.
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9 Responses to “Travel Insurance for Holidays at Home”
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December 1st, 2009 @ 10:08 am
You should declare everything as otherwise your insurance will be invalid. Also try theycompare.co.uk, confused.com to see if you can get travel insurance on your own name and to compare quotes.
December 1st, 2009 @ 10:57 am
December 1st, 2009 @ 10:43 pm
Is this some kind of joke??? if not, then you the dumbest person I know. Q1. How soon should I lodge those? LODGE WHAT????
Q2. Photos are always sent along with the applications, any applications. There is always a guideline with the application…read it!
Q3. http://www.rightmoves.uk.co is the best place to find rented places. Q4. Yes, Q5. Avoid East London, and anyways, there is crime in any place in a city like London. Q6. Dumb question. Try totaljobs.com, monster.co.uk etc etc etc. Q7. Type in National Insurance Number in google, and u will find all the answers, Q8. Minimum £3000, atleast. Q9. already answered Q10. U have answered the Q. Q11. Depends, u can always have medical insurance, dont hurt to have it. Q13. Open acct in UK………………..Dont you have any person in UK known to you. It would be much better. Most probably, you will have to stay in a motel or bed and breakfast for the first couple of months till you find a rental apartment…once that is done, look for a job, once that is done, look for a rich boyfriend..and u r done!!!
December 2nd, 2009 @ 12:55 am
London is a culturally diverse city. There has been an unfortunate rise in knife crime within the city (Not central) . Living in London is EXCEPTIONALLY expense in comparison to other cities. Homes cost around £250,000-500,000 + ($USD 500,000 – 1,000,000 +). Check out some estate agents in London to find out rent prices. You have to have a large amount of cash to live in London, especially central.
Most homes in London should be fully furnished and have modern interiors as the previous property boom which just ended a few months ago saw house prices boom and with that money was to be made.
Do a lot of research about the city before moving here. Don't just rely on peoples answers from here. Oh and compared to Australia it's cold as hell (what a paradox) here, especially in winter… I haven't seen any snow for a while.
December 2nd, 2009 @ 4:58 am
I'll have a crack at these in order!
1. Get your passport ASAP – sometimes they take a while to come through so sooner is better. In terms of a visa, if they're for a certain length of time then often you can only get them a certain number of months in advance from when you plan to enter the UK, so look into that and lodge it accordingly. Certainly when I got mine they would only give it to me 3 months in advance.
2. Yes!
3. You can certainly rent in the UK. Have a look at http://www.gumtree.com – it's a site where people advertise for flatmates, lots of options.
4. Yes, you shouldn't have too much difficulty.
5. Generally, East and South London are a bit rougher. Having said that, though, the Isle of Dogs is lovely and I lived in Canada Water which was also really nice.
6. Same as you would at home! Look at newspapers, websites etc etc!
7. Getting a National Insurance number is a complete pain. Bank accounts are also a real drag; there are companies that offer you "UK Starter Pack" kind of things where they'll sort all that out for you – totally worth it to save all the hassle. Have a Google and see what you can find.
8. I think you'd probably want to have at least £1500 (excluding airfares) – bond and advance rent on a flat is not cheap, and you'll need somewhere to stay until you find a flat (unless you have relatives or friends who'll let you crash on their couch!)
9. London is a very expensive city to live in. My flat was costing me £120 a week and that was sharing with one other person. It was a great flat though! A friend who lived on the Isle of Dogs was in an equally nice place and paying £90 a week, sharing with two others.
10. I only had travel insurance to get there – in case my luggage got lost or anything. Coped fine without it for the two years I was there.
11. It might be wise. I didn't, but then I never get sick. I think if you're in England legitimately and have an NI number then you're covered by the NHS – you might want to research this though.
13. See answer to #7! Don't close your Aussie accounts though, having them won't stop you opening a British account. And get a credit card for emergencies.
12. Moving overseas is not all that hard! You're looking at it the right way – it's a huge adventure and you'll have an amazing time. I loved every minute of my two years there; leaving family and friends behind is tough but you have so much amazing stuff ahead of you that it's really worth it. Just a thought, if you're not too picky about work then there are companies that will sort you out a pub job before you go – and they usually have accommodation with them. Even if you don't intend to stay in the job it can be a really good jumping-off point – and solves the immediate accommodation issue. Otherwise, youth hostels are good places to stay until you get a flat sorted – clean, safe and not too expensive. I stayed at the one in Earl's Court because it was on the tube line from Heathrow where I'd landed, but there are several in and around London (www.yha.org.uk for more info!). London is an incredible city, so much to see and do – you'll love it. I'd love to have my time there again.
December 2nd, 2009 @ 5:50 am
December 2nd, 2009 @ 2:13 pm
Check out international medical group, they offer one of the best health plans
http://www.imglobal.com
Once you visit the website call the 800 number and they can walk you through the options.
December 3rd, 2009 @ 10:33 am
Technically you should have insurance which will cover you for your visit to A&E. You will be asked for the details of cover if you are (and they will notice the accent) unable to tell them a UK doctor with whom you are registered. A claim will be made on your insurance.
Truth is you wont be refused treatment. If it is a true emergency we do not check first to see if you are insured before giving you life saving treatment or pain relief.
Our doctors prefer to save lives than to make a profit. However medical insurance for holiday cover to the Uk will cost you less than $10 and will give you the cover of an air ambulance home too if needed.
If you do not take out cover, your Embassy will have to sort things out for you which would mean that they would pay and recover the costs later from you.
Even though I am entitled to free treatment in the EEC because of their health systems (UK is not the only country with a health service- far from it) I still take out cover for the repatriation side of things. I would hate to be left in a foreign land away from my family, for such a low premium0
December 4th, 2009 @ 10:55 am
Ask them to cancel the contract OR block the phone and then get a new phone.