travel insurance

[littleeak]

Sorry folks..................... I seem to have caused quite an argument here!!
I DO still want basic cover so will be looking at the websites that Campo Steve, Jool and masterrob mentioned. Thanks for those.

[underwater]

WHAT IS THE MATTER WITH YOU PEOPLE?!!
I HAVE BEEN A MEMBER OF THIS FORUM FOR SIX YEARS
AND ALWAYS ENJOYED READING THE POSTS UNTIL THIS YEAR.
NOW IT SEEMS WHENEVER I DECIDE TO READ A SUBJECT WHICH
LOOKS INTERESTING IT IS FULL OF SELF OPINIONATED PEOPLE
WANTING TO HAVE THE LAST SAY OR NIT PICKING.
THE POOR POSTER ONLY WANTED SOME ADVICE AND NOT TO BE TREATED
LIKE A CHILD WITH PONTIFICATIONS ON THE PROS AND CONS OF TRAVEL
INSURANCE.
I'M GLAD TO SEE HE/SHE DIDN''T LOSE PATIENCE AND MANAGED TO GLEAN
SOMETHING FROM ALL THE DROSS!!

[Mowser]

No need to shout!

[underwater]

YES THERE IS!!

[Mowser]

OK

[El Cid]

Whatever - I've had enough now

Thank God for that - you were getting terminally boring.

Those of you that feel you need travel insurance - just do it - it's not that expensive.

Sid

[Martin Page]

Im sorry ! ...

[katy]

Martin I think you had some good points. I do think insurance is essential even though nowadays they will do anything to avoid paying out. When my OH volunteered at the CDS hospital he spent a lot of time trying to sort out people who were not insured or had been transfered from private hospitals because their insurance wouldn't pay. They were treated with the health card but some eg. motor accidents needed long term hospitalization and repatriation which is very costly. Sometimes best to look for a cheaper policy that just covers medical and repatriation. If you fly and baggage is lost the airline pays anyway.

For those who have claimed for medical it is difficult to get cover again unless you declare everything and pay an extra premium. Read all the T&C's before purchasing not when you want to claim.

[Campo Steve]

I've never had trouble getting cover, despite declaring past claims. But they weren't large claims, so maybe that helped.

Motor accidents are an interesting section as most policies, although including third party liability, exclude motor accidents from third party liability without additional payments. However, if you hire a car it may be covered there.

Definitely agree it is worth reading the T&C's before buying the policy.

[sheilap]

travel after november and be with the nationwide

[sheilap]

sorry just had to do that NOT
we are under pension age, pay by debit card for flights and car and we take out
anual cover as it is cheaper for multi trips around (3) I think. We had peace of mind when the ash cloud was over every where

[Campo Steve]

travel after november and be with the nationwide

Not if over 65 or non-UK resident. That probably applies to the original poster as the insurance is for a trip to UK.

[littleeak]

Not quite right Campo Steve!! Non-UK resident & working in Spain but well under 65!!!

Sheilap how do you manage to pay for car hire on debit card? We've been told companies both in Spain & UK will only accept credit cards.

[sheilap]

we have a Uk account with nationwide and we use our debit card for car hire as it has visa on it never been a problem,we are resident in Spain

[gerryh]

Recently booked a car with a UK based company using my debit card.
Cheers
Gerry

[Campo Steve]

Not quite right Campo Steve!! Non-UK resident & working in Spain but well under 65!!!

Sheilap how do you manage to pay for car hire on debit card? We've been told companies both in Spain & UK will only accept credit cards.

OK. I stand corrected on the age thing although there is an upper age limit on the Nationwide policy which varies according to meeting other criteria.

However, Nationwide travel insurance is ONLY available to permanent UK residents. As you are looking for insurance to go to UK then I assume you are not UK resident, so the Nationwide policy isn't an option.

[irismary]

OK, back to the original question......we have annual travel insurance with Globelink International which covers EU residents and will repatriate to wherever you state should it be necessary. Apply online. We are residents of Spain, have EHIC cards issued by UK although completely in the Spanish system as we are pensioners but still like to have full travel cover which includes some medical benefits. Hope this helps.

[BENIDORM]

Irismary,
Thanks for that link, it looks as if it could be very helpful, I have heard of Globelink, but not checked it out for a long time.

I'm sure that it will be of use to others on the forum....even if they don't bother to say so....

Kind Regards,
Gordon.

[peteroldracer]

My OH has sometimes flown to the UK, with me staying here in Spain.
Apart from all other considerations, should the aircraft crash, I would be unable to continue living here as we both live on her pension, and even when my own kicks in later this year, it would not be enough to cover my needs on its own.
Travel insurance is therefore a need, in order not to turn a drama into a crisis!

[scampicat]

We are covered on EHICs. We never bother with travel insurance because the only places we ever travel to are the UK and Spain, we travel on the ferry from Spain (so don't cross France) and we live in our house in whichever country we are in, so would not need repatriation if we had an accident.