Travel insurance is always a necessary expense for anyone who wants to take a trip abroad. But if you want to take a skiing holiday at all this year, it is even more important that you get a policy which suits your needs. Skiers who buy their travel insurance with their travel agent often find they are not given sufficient cover for their needs. To make sure this doesn’t happen to you, you should look around for the best possible deal.
There are an awful lot of skiers going on holiday without adequate cover. This is because travel agents are not regulated when they sell you travel insurance as part of their holiday packages. Therefore you can easily find yourself in a situation where you are being given an insurance policy which does not give you and your party sufficient cover.
Analysts say that over a million people left Britain for a skiing holiday on the mountains last winter, and half of these booked their holiday through a travel agent. This suggests that there are many people out there who are hitting the slopes with insufficient insurance coverage.
You’ll find that if you are buying insurance as part of a holiday package with your tour operator or travel agent you will likely be told to simply tick a box on a form in order to get the deal. You won’t be told what you are paying for, nor will you be informed of the terms and conditions in any meaningful detail.
To add to the complications, it is common for travel agents to fail to tell customers that pre-existing medical conditions need to be declared. This will usually be specified in the policy’s small print, but most people will not look at this until it is too late.
The Financial Services Authority is the insurance industry’s regulatory body and they try to make sure you are given proper service and the best possible value for money from your insurer. However because the sale of insurance through travel agents goes unregulated you will not get any access to the Financial Ombudsman Service should anything go wrong. If you need to make a claim this may be a problem.
The Association of British Travel Agents requires agents that wish to sell insurance policies to take a compulsory exam. But even with this, the policies sold by travel agents are sometimes too limited in scope, and do not give good value for money.
A lot of people remain unclear about what their travel insurance gives them, and find that when they need to make a claim their policy is not as good as they thought when they originally bought it. Ultimately what is important is that you always look around the market for the best deal, and never simply accept what your travel agent or tour operator puts in front of you.
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Ensuring everything is covered for a skiing holiday when you take out a specially designed policy like the etravelinsurance.co.uk skiing insurance policy. Because its designed for one specific need also means you can get their winter travel insurance at a great rate.
