Simple Measures to Look After Your Precious Jewellery

If you have just bought something special or are about to make a big investment, or if you have existing jewellery that you hold dear, have you taken any steps to keep it safe?

Here's a few straight forward tips you can follow to help look after your jewellery and ensure you enjoy it for a long time to come.

1. It's obvious, but make sure you have jewellery insurance in place. You can arrange this as part of your household policy or take out a separate policy.

2. Don't just assume that if you already have a contents policy that your jewellery is included. Depending on the value of your jewellery you may need to specify any individual items and get an all risks protection.

3. Take a few pictures of your jewellery, including sizes -help will help the insurers to find a a replacement or arrange to have the item recreated.

4. Make sure your valuation is less than 3 years old. If you've had your jewellery for a while and your last valuation is over 3 years old, there's a good chance you will not be insuring your jewellery at the correct amount.

5. Even if your jewellery was bought recently, with the cost of gold and precious metals having increased rapidly over the past few years it could be that your jewellery is not insured for the correct replacement cost. We suggest that you speak to your jeweler and see if they recommend a new valuation for your jewellery.

6. Check the small print of your policy wording. Some insurers insist that you have a valuation every 3 years.

7. Check whether your insurers impose any requirement for jewellery and watches. For example you may need to get the settings and claws checked for your diamond ring at regular intervals or the clasp on your watch. Also do you need to keep your jewellery in a safe place when you are not wearing them?

And should the disaster strike and your jewellery or watch gets damaged, lost or stolen, here's a few simple rules to follow to smooth the claims process.

1. Report any loss as soon as you can to the police. If you are abroad, report it to the local police and get a crime reference number. Also report it to the resort where you are staying.

2. If you arranged your insurance through a broker, call them first. They role is to help you and they will present your claim to the insurers and help the process of getting the claim paid out.

3. Give the insurer all the proof you have of ownership (pictures of your jewellery, receipts and the up to date valuations).

So make sure your jewellery is properly protected and hopefully you will get many years of enjoyment from your precious jewellery.

James Mant, is a Partner at Greenfield Insurance Services. Greenfield Insurance Services are independent insurance brokers, established in 1989, who specialise in providing private clients with a wide range of handpicked policy insurance covers to suit their individual requirements. For further advice and information on insurance for your jewellery or watch, visit their website http://www.fineinsurance.co.uk or contact them on 01489 579808.

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Which Income Protection Insurance Is Best for You?

Why do you need to insure your income?

Accidents can happen, you may get ill. More than 1 in 10 people have taken six months or more off work due to illness or suffering a serious injury.

Income Protection Insurance

Most of us think we are pretty well covered if it does happen.

Many people believe that ACC will cover them if they have a prolonged illness or accident, but this not always the case. ACC only covers accidents; fact is that 6 out of 8 people in hospital are there because of illness not through accidents, and these people get no help from ACC.

Take your current income and multiply it by the number of years until you retire - that's your greatest asset, your unearned income.

You insure your house (your 2nd largest asset) but the risk of your house burning down is 1/16000 but the risk of you being off work through illness at age 40 for more than 90 days for both male and females is 40%.

That's why Income Protection Insurance can be a really useful back-up plan. If you were to suffer from a serious illness or injury and you were unable to continue working, Income Protection Insurance helps replace your income lost by not being able to work for a long period. The cover assists with the bills - mortgage, food and fuel, all those necessary expenses your family needs to continue life as usual.

Income Protection Insurance is available in two main types of policies.

Agreed Value - A fixed level of cover is agreed at the time the Income Protection insurance is set up - and this is the amount paid by the insurance company, regardless of your earnings at the time of the claim. The maximum amount you can insure is usually 55% of your gross income. The payment will not be taxed and the premiums are not tax deductible in this case.

Indemnity - The benefit is calculated as a percentage of your income at the time you make a claim. An indemnity policy normally pays 75% of the best of the previous three years income, but you must prove that income at claim time. The payment under this option is taxable, and the premiums are deductible.

Choosing the correct Income Protection Insurance can be confusing, with all the options available, waiting periods and "Add-ons". The biggest consideration is your employment status, normally jobs are classified by their occupational classes, which make a difference to the cost of premiums you may pay based on the "risk" of your job. Also the waiting period that you select will have an effect on your premium. Gender is also a factor. Women often pay more than men, as studies show that they make more claims.

So, this is why we are here. To help you make decisions in choosing the right Income Protection Insurance policy to suit your current situation. We're here to help, just pick up the phone or email this office for more information on how Income Protection Insurance can protect your biggest asset.

Bruce McCarroll of Bruce McCarroll Insurances.

http://www.brucemccarrollinsurances.co.nz

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Is Your Home Alone?

Do you like to vacation? Does your job require you visit customers outside your immediate area? While you're traveling, will your home be alone? Unless you hire a house-sitter, the answer to that question is, "Yes."

There are many tips to help your home look like it's not alone:

    Put lamps, televisions, and radios on timers.
    Have a neighbor pick up your mail and newspapers, or have a temporary hold placed on them.
    Hire someone to mow your lawn.
    Ask a neighbor to park their car in your driveway a few times while you're gone, or leave one of your own cars in the drive.
    Don't post pictures and information on social media about your vacation (share it when you are back home).

In addition to vacation, there are other times that your home is not alone. If you travel a lot for work, you might be gone a few days at a time. If you're employed, you're most likely away from home at least 8 hours a day. If your kids are active in sports activities and travel teams, you'll be away from home more than you are there!

All of these are times when your home is alone for more than a few hours at a time. The tips above are very helpful to make it appear that you are home. But the inevitable happens - people are being burglarized every day!

We were burglarized twice. Once all of our items outside were taken while we were sleeping! What an eye-opener at 7:00am to open the curtains and find that the patio table and chairs, the umbrella, bicycles, a chaise lounge, and gas grill were all gone! The second time, our burglary happened while we were at one of our sons' baseball games. The thieves had plenty of time that day to complete what they set out to accomplish! It was this second experience that encouraged us to create our home inventory and eventually begin our home inventory service. You know the old saying... happens once, shame on them - happens twice, shame on me. That second time of enduring the financial loss was enough!

Burglaries are on the rise. Prepare for the times you'll be gone. And also prepare in case you are the one chosen to be the next victim of theft. A personal property inventory will help you remember what you owned, which means you'll be able to provide a very thorough, complete insurance claim. Having this document will also save you a lot of time and emotion by being able to file your claim promptly and without the fear of forgetting items.

Cindy Hartman is Co-Founder of Hartman Inventory Systems LLC, a complete personal property inventory turnkey business package. This franchise alternative guarantees success when following the established program. It provides all the tools and resources needed to start and grow an inventory service company. Major components are hands-on training, national certification, complete marketing package, life/business coaching program, guaranteed market area, and continued support. She and her husband also provide personal property inventory services through Hartman Inventory LLC, a woman-owned business.

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Travel Insurance - What You Are Covered For

When you travel abroad you are advised to have travel insurance. If you buy a policy, because it is cheap does not mean that you will be able to get your money back if you need to make a claim. This has been highlighted by the chaos caused by strikes and the volcanic ash cloud over the last couple of years.

These problems have shown that the cheaper policies, that people choose will not pay out in certain situations. This leaves the holiday maker more reliant on the airlines and travel agents for any refunds for disrupted journeys rather than their insurance company.

A spokesman for the Association of British Insurers (ABI) said "when it comes to insurance, you get what you pay for, unfortunately if you have bought an off the peg insurance policy, it is not going to cover you for everything."

What is worse is that many people do not realise that the insurance on offer at the lower end of the market provides them with limited cover.

Purchasing Insurance

When you are buying your travel insurance policy for your trip, it is worthwhile spending a few minutes reading the policy wording to find out what exactly the policy will cover you for.

You will need to make sure that your policy at least covers you for the following:

    Medical and health cover for an injury or sudden illness abroad.
    A 24-hour emergency and assistance service.
    Cancellation and curtailment cover.
    Cover for lost and stolen possessions.
    Personal liability cover, in case you are sued for causing an injury or damaging property.

Policy Exclusions

Most of the standard travel policies, particularly the cheaper ones have primarily been designed to cover medical emergencies overseas but they are likely to excluded the following:

Accommodation

    The cost of lost accommodation due to a cancelled of delayed flight.
    The additional hotel costs in the event of a delay.

Usually the onus is placed on the airline and tour operators to cover the accommodation and other costs if a flight is seriously delayed. The policy may be able to pay out a small amount if your flight is delayed by at least 12 hours, but the amount which the policy is likely to pay out will just about cover the cost of food and drink and is unlikely to cover the cost of a night in a hotel.

Loss of personal belongings

    Expensive electrical equipment or jewellery.

The more we have come to depend on technology the more likely we are to take it away with us on holiday but it might not be covered by your policy. Most standard policies do provide cover for lost and stolen goods, but the maximum that the policy will pay out for on any one item is likely to be extremely limited and it could only be about £500. With many of the budget policies the maximum pay out will be lower and some may not even have baggage cover.

Claiming

If you have to make a claim for a delay in travel, stolen or lost luggage, the insurer or the airline, or whoever you are making the claim to, will want to see proof of the costs you have incurred, so you will need to keep all of your receipts to be able to, provide them as evidence in your claim.

If you are claiming for a stolen item you need to have notified the police and get a police report, failure to do this is likely to create suspicion to any insurers as to whether the theft has genuinely taken place.

To get more useful information about travel insurance and more, visit http://www.helpmedassist.co.uk

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Travel Insurance for Family Holidays

The economy may be tough and holiday budgets stretched more than ever before but families still need, and will take, their holidays. Getting away as a family is very important for maintaining the family bond. However, the organisation of a family holiday can be daunting. There is so much to do and think about before you leave home - and family holiday insurance is just one of them.

A checklist is vital so that you don't forget anything important. Holiday checklist examples are available online and you can tailor them to suit your family's needs. Keep a copy on your home computer, if possible, so that you can edit it as the family's needs change. Print out copies for all family members and ask them to add anything they think is important to them. (Be prepared for suggestions to include a tattered teddy bear or computer game; better to have all this on board - and contented kids - rather than deal with the alternative... )

One aspect of a family holiday that is easy to solve and tick off that 'to do' list is family travel insurance. It is best to take care of this as soon as you book your holiday so that coverage begins immediately, in case of any unexpected events that may cause cancellation of your trip.

Families can save money on family holiday insurance because kids are very often included free of charge. Let's face it, you don't get much for free these days - and there is no trick involved. This is something offered free that is actually worth having! (Remember to check the policy terms and conditions).

If you think you might take two of more holidays in a year it is wise to save money by choosing an Annual Multi-trip policy for your family holiday. This is a no-brainer if you consider how much it would cost for multiple trips or holidays if you were to take out a single-trip policy for each family member each time you travel.

Before purchasing holiday insurance always check carefully to ensure that it provides adequate cover for the needs of your family, as well as all your planned activities. Medical cover is the most important concern for most families. No one wants to think about possible accidents, sickness, or health emergencies when going on holiday. However, imagine how you would feel if the worst should happen and you are faced with an astronomical hospital bill. Remember to check that your insurance policy includes air ambulance and medical repatriation to your homeland - as this can be extremely expensive.

Wouldn't it be nice to know you have an emergency number to call 24/7 when you are far away from home, perhaps in a country where you do not speak the language? A friendly voice at the end of the phone would be welcome to help with medical emergencies, and other problems such as replacing stolen or lost travel documents or credit cards, tracing lost luggage, or handling arrangements in the event of a delay in your travel schedule.

Do you like to gamble? Because travelling without insurance is taking a real risk. Travel insurance is just as important for solo travellers as for families. When the kids are grown and it is time for them to venture out into the world without you, it's no use trying to stop them. (You may have been responsible for infecting them with the travel bug in the first place). The best you can do is make sure they have insurance - or purchase travel insurance for them as a farewell gift and send them on their way. Insurance not only provides needed protection for them, but also gives a worried parent or parents some peace of mind while the kids are out of sight. Tip: a Backpacker policy is great value and a cheap option for young travellers who don't have a lot of luggage. There's no point in paying for cover that you don't need.

The kids will be grown up and gone before you know it and family holidays are precious times to be cherished. One day you will look back through family holiday photo albums and 'ooh and aah' at the cute snapshots of the kids. Don't risk spoiling those holiday memories because you thought travel insurance was an unnecessary expense!

Jean Andrews is an employee of Travel Insurance Agencies Ltd. She regularly contributes informative articles about travel insurance and travel related matters.To find out more and to obtain a quote for cheap travel insurance from this well-established company, visit their UK website at Travel Insurance Direct or Travel Insurance Direct-Ireland for residents of Ireland.

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What Does Travel Health Insurance Cover?

Insurance in India dates back to the 1800s. In the 1870s Bombay Mutual Life Assurance Society established itself as the country's very first insurer. For today's customers, the right cover is as essential as ever. And with so many providers and options available, the key is a little clever research. Travel insurance and particularly insurance in India is shifting online, where customers can easily compare the options on offer. There's no need to be overwhelmed by the possibilities, finding the right insurance policy is just a matter of understanding each plan, and assessing how the elements match up with what's required.

It's essential that travellers cover themselves, and consider every possibility. Holiday-makers might not want to think about horrors like lost passports, flight delays, or damaged baggage, but those in the industry will assure you that, while unfortunate, these are still common occurrences. Those stuck overseas without international travel insurance face what could be a very difficult experience - one that would have been handled easily enough with appropriate planning. The best travel policy is one that covers all bases, taking in every eventuality into consideration. Call it foreign insurance or overseas insurance, the primary aim is making sure that the customer enjoys a smooth journey, ready for absolutely anything.

Moving travel insurance online is great for customers, simply because the process of comparison is easier than ever. When it comes to student insurance the benefits are obvious - those with a little less money to spend have a simple way to understand what will suit their personal needs. After all, finding the best overseas medical insurance policy is a highly individual process, taking in budget, itinerary, and overall plan.

Travel health insurance is another product that translates well online. Health insurance companies in India have recognized that today's customers are incredibly tech-savvy. They expect to handle things themselves, and a new level of self-service is guiding a very competitive marketplace. Along with travel, medical insurance is another essential product. It might not be a purchase we want to think about, but it's relied on every day. Sudden illnesses or accidents are difficult enough without painful worry over finances. That's not to mention surgeries, hospital expenses, doctor's fees, and unexpected medical tests. Everyone wants to believe that their family will be equipped to manage experiences like these, and the foundation of that is undoubtedly a well-considered insurance policy.

By understanding and purchasing travel and health insurance online, customers are able to make the entire process easier, and, importantly, tailored to their own individual requirements.

General Insurance Companies In India are many but not every provider's policy will suit your needs in the best possible way. For more information on General Insurance India visit us here.

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Finding The Right Online Life Insurance Policy

When a consumer wants to find the right online life insurance policy for his needs, the challenges can be immense. There are so many internet portals offerings such a wide variety of services that many consumers can simply be overwhelmed by the available choices. Here are some simple tips that can help consumers to narrow down their choices.

The first step is to evaluate personal needs. Many people who purchase this coverage seek it at the wrong time in their lives, or fail to get the correct terms for their situation. For example, the average twenty-year old, unmarried man seldom needs extensive coverage. On the other hand, a married man with two children, a home, and other assets should be looking for ways to protect his surviving family members after his death.

Once a person has determined that he actually needs to be insured in this way, the next step is to decide which type of coverage best meets his needs. He can choose from whole life, term, or some combination of the two. There are some distinct advantages and disadvantages to each of these coverage options.

Term coverage provides protection for a fixed rate of time. If the insured dies during that time period, his survivors receive the promised benefits. If he lives past the policy's expiration, no benefits are paid out. As a result, this is a form of coverage that only provides real advantages during specific periods of time.

Whole coverage can last throughout one's lifetime, as can many of the combined options. These policies are usually more expensive than term coverage, though many feel that they provide superior benefits in the long run. Still, most experts recommend that consumers lean toward programs offering fixed term coverage, since the benefits are often more in line with the cost.

When comparing these options over the internet, it is wise to get multiple quote offerings and then analyze the differences between them. A dedicated agent can be extremely helpful in this process, since he can explain many of the finer points of the industry. He can also provide access to detailed information about the benefits of each policy type.

When it comes to protecting one's family, this type of coverage is a must. No one wants to leave his or her family without a way to pay the bills. By learning about the best ways to obtain online life insurance, any consumer can ensure that he provides his loved ones with the resources they need to survive without him.

OzInsure is a leading insurance company in Australia providing compare life insurance, If you are looking for the best insurance company in Australia then you should look at ozinsure.com.au for life insurance quote.

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Finding The Best Business Insurance

Just like any other property, businesses need to be insured. This ensures that you will get compensated in case of any unprecedented loss that might occur. The cost for that varies from one company to the next. That is why it is important to know how to get the best business insurance at the most affordable price possible.

To do this you need to first know the features of ideal business coverage. It should comprise of general liability, property and workers compensation insurance. Those are just the basics. There are other covers, but the ones mentioned above are the most important.

General liability cover usually handles any legitimate or fraudulent claims made against your company for things such as bodily injury to non-employees, malicious prosecution performed by the company, personal injury through false imprisonment, damage of property and advertising injury. It not only covers the damages against you but also the legal fees involved.

Property coverage caters for loss of physical possessions due to accidents, theft or fire. It enables you to replace office equipment and furniture, inventory, supplies and in some cases the building itself. This is done by replacing the value of items that have been lost or their value of depreciation in cash form. It is up to you to decide, depending on the capital you have.

When you take the depreciated cash value insurance, you will be able to save money by paying lower premiums. However, in the event of a great loss you will be on the losing end. This is because some of the items that have been lost might not be available at the depreciated cost, and you might have to use your money to cover the deficit, in order to replace them. So, it is better to go for the replacement cost coverage.

The workers compensation cover, gives cash rewards to employees who get disabled or injured due to work related activities. This coverage is usually required for every company. In some cases it is even required by the law that every business acquires it.

After understanding what the best business insurance is comprised of, you need to look for the best deals in the market. This requires some research. You can contact the different companies that offer that type of coverage and compare their rates. Go for the one that offers the most affordable rates. However, do not be blinded by figures. Ensure that their policies offer comprehensive cover before purchasing them.

OzInsure is a leading insurance company in Australia providing cheap life insurance, If you are looking for the best insurance company in Australia then you should look at ozinsure.com.au for online life insurance.

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Peace Of Mind Starts With A Business Insurance Quote

Owning and running a company today is a large challenge to undertake. Besides the normal concerns about profits, losses and daily operations, one has to worry about the inherent risks that the business carries. In order to avoid being caught unprepared, you should get a good business insurance quote as soon as possible.

Companies from all spheres and industries have social as well as economical responsibilities to take care of. Of the things that can go wrong in your daily dealings are almost countless. One of the great concerns for any business is that of potential losses, be it from theft, damages, or even failed deals.

Something as simple as an offshore client that has failed to be on time can sometimes cause huge turmoil for the company. About customer accounts can result in your being unable to pay salaries, source more stock, or even pay the firm's utility bills. No one opens a company with a view to have such problems, but they do happen and you have to be well prepared for such cases.

You need several good policies, in order to, any and all possible risks that your company is undertaking. Regardless of what industry you're for him is operating in, you cannot afford failing to prepare for contingencies. Doing so, is the same as preparing to fail.

When it comes to getting out for your company, there are many options in many kinds of cover that could be offered to you by your insurance agency and there is a need to be well aware of which ones you will need and which ones you will not. If you operate a fleet of vehicles as part of your assets, getting good automobile, is an absolutely essential step to take. If any of your cars are heavily involved in an accident, of the possible repair and hospital bills for parties involved could literally think your firm in a single blow.

These and other unforeseen problems could arise at any time. Having the correct types of cover in today's world can save you not only a lot of money, but a lot of time as well. In a world where time is money, this can really equates to a fortune.

Make sure that your company and your livelihood do not become the unfortunate victims of a mishap. Contact a reputable agency in your area today, in order to get a good business insurance quote. Doing so will not only provide peace of mind, but also confidence for all your future dealings.

OzInsure is a leading insurance company in Australia providing life insurance quote, If you are looking for the best insurance company in Australia then you should look at ozinsure.com.au for compare home insurance.

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Student Travel Health Insurance - How to Get Travel Insurance for Students

The Canadian Scholar's Guide to Student Travel Health Insurance

Studying abroad is a great opportunity for students as it allows them the chance to expand their horizons. Many find it a life changing experience. If you are a Canadian student planning to pursue your studies in a foreign county, you do not have to worry about issues regarding health insurance during your trip abroad. In this article, you will find some reassuring facts, as well as a few helpful tips on student travel health insurance. Be well informed before your journey begins.

What should I do to extend my health care coverage?

If you are leaving the country for an extended period of time, you might be wondering what steps to take in order not to lose your Canadian health insurance benefits. Before your departure, you must contact your provincial healthcare office to apply for a special insurance card. If you do not advise them of your travel plans, your insurance will lapse after 180 - 212 days from your date of departure. As a traveling student, you can remain eligible for healthcare benefits until your return to your province, as long as you keep your healthcare status updated.

To apply for a special annual health insurance card, you need to present a letter of admission from the school you are going to attend, a copy of your birth certificate and a letter requesting extended insurance coverage. Upon submission of these documents, you will receive a certificate confirming your eligibility for this type of coverage.

Note that Canadian provinces differ in terms of health insurance coverage. For instance, if you are a resident of Manitoba, the amount redeemed for a particular medical procedure performed outside the country would be equal to the cost of that medical procedure having been performed in Manitoba. So be sure to gather information on your own provincial healthcare coverage for traveling students.

Should I get supplemental student health insurance?

Whether you are going to study abroad or are just traveling to another province in Canada, you would benefit from having supplemental student travel health insurance. Such plans are designed to complement provincial insurance coverage. Because your provincial health plan often covers only a portion of the cost of medical treatment or service in other countries or provinces, you need to make up the difference from your own pocket; hence, supplemental health insurance can alleviate concerns over not only health issues, but also budget woes.

Most post-secondary schools require that their students be covered by a student health insurance plan. So before you begin your out-of-province studies, shop around and get quotes from several companies in order to compare rates and terms. Questions to ask should include:

For how long will I be covered?

• Will it be possible to renew my policy from other parts of the world?
• What will be the cost of my premiums?
• What is my deductible?
• There are a variety of student travel health insurance plans to choose from, and a little research will help you decide what best suits your needs.

What does my student travel health insurance cover?

Plans vary from company to company, but on average they generally cover treatment for sickness and medical care for accidents. Some plans will not cover pregnancy, pre-existing medical conditions, or annual medical check-ups. Read the insurance company's policy thoroughly (including the small print) before signing the document as your coverage may have certain limitations and/or exclusions.

Does student travel insurance cover flight cancellations or lost luggage?

If you want to ensure coverage for flight cancellations and/or insurance against lost luggage, you must purchase a travel insurance package that offers that specific type of coverage. Do not automatically assume that you are covered against such incidents during your travels. Always check the terms and conditions of your policy.

Do I need supplemental student travel health insurance if I am going to study in another Canadian province?

Medical costs vary from province to province and government healthcare insurance plans have limits on coverage of medical expenses incurred during your stay in another province. Therefore, it is wise to protect yourself, and any family member(s) staying with you during your travels outside your province of residence.

Do some medical emergencies have limits on coverage?

Ambulance costs, emergency dental work, prescription drugs for sudden illness, follow-up visits and out-patient visits, as well as other general medical services may not be covered, or may be only partially covered, under your plan.

Hopefully some of your questions regarding Canadian healthcare coverage and student travel health insurance have been answered. Extensive research on the topic of insurance could enhance your future as an outbound Canadian student. Bon Voyage!

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What Is Sports Travel Insurance And What Are The Benefits Of Having It?

As we know, one size does not fit all, and to this end your travel insurance policy may not cover you for all the activities you wish to partake in while you travel, particularly if you are travelling specifically to participate in sports, whether it be for fun, as an amateur or a professional.

Sports Travel Insurance covers you for activities that may be excluded from your standard travel insurance and allows you to participate with peace of mind that should something happen you are fully covered.

Whilst you may think that having this additional cover may seem like you are 'over insured' the benefits of having a policy that fully covers you for all your activities far outweighs the additional expense.

The options that you may be able to choose from include:

Activity Top Up

This cover is an add-on to your travel insurance policy and itemises out the activities that you will be participating in that may normally be excluded. This is especially beneficial if you are heading overseas for an adventure holiday, skiing, rock climbing, or other activities that may increase your risk over and above normal day to day activities.

Benefits

You have peace of mind that you can participate in any of the activities you want you. Your cover can include medical costs, repatriation expenses, and search and rescue.

Sports Personal Cover

If you are travelling to participate in a competition, whether as an amateur or a professional, you will more than likely require additional insurance to cover you for the event. All of the details of the competition are included in your policy and the company will recommend other cover should they think it appropriate

Benefits

Being injured partaking in sports in another country can impact on life greatly. The benefits of this cover can include rehabilitation costs, medical expenses, personal accident, professional liability, and repatriation. You can purchase your policy for one day, several days, the length of the competition, or in the case of professionals annually.

Sports Team

If you are travelling as part of a team, you will probably have a team policy to cover your travel, but as with personal travel cover, it may not include the sports activity you are participating in, and as you generally travel together, stay in the same accommodation, and participate at the same time, it's a good idea to extend your policy to cover the sport as well.

Benefits

This policy will include all the items of sports personal cover, however it may also include a lower premium due to the economies of scale.

Review our sports travel insurance policies here.

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5 Reasons Why Travel Insurance Is So Important

The travel industry has seen many changes over the past decade, one of the most notable changes being the altered attitude towards the subject of travel insurance. A good travel insurance policy protects travellers from all these unforeseen events, minimizing risk and financial loss due to unfortunate events. Below a look at 5 reasons why travel insurance is so important if you plan to travel any large distance.

1. To Get Cancellation Coverage - Travel companies do not normally issue a refund in case people have to cancel their trip owing to ill health, death, or any other emergency situation. If vacationers purchase proper travel insurance after booking their tour, cancellation cover will often be covered for sudden trip cancellations.

2. To be insured for Medical problems - Even the healthiest person can fall sick while on a vacation and medical treatment costs a lot of money, sometimes more than the total cost of the tour. Good travel insurance policies come with sizeable medical cover in monetary terms, including with enough to cover the high medical costs in North America. If the policy holder falls sick, the insurance company will pay the medical bills provided you have been honest and admitted any medical issues when originally purchasing the cover.

3. To Get Refunded For Stolen Property - Baggage and valuables can get stolen, lost, or misplaced while travelling and it costs a lot to replace all the lost things. Insurance protects vacationers against such loss, supplying the funds required to replace the lost item. This cover is ideal for sports vacationers as the cost of replacing damaged sports equipment can be quite high.

4. To Have a Worry Free Vacation - Holiday insurance can help you enjoy a relaxed and worry free vacation. Whether you are travelling to London alone or with your family, handling an emergency such as an unexpected illness or loss of baggage in a foreign country can be a daunting situation. However, if you have already obtained a travel insurance package, you will have a ready -made plan of action to help you get out of that situation. In such cases, the insurance policy can be a life saver, providing badly needed funds for medical treatment, sports accidents and lost baggage.

5. It is sometimes mandatory for some Guided Tours - Vacationers are sometimes required to have travel insurance if they want to be considered part of certain guided tours. This type of trip might for example be required on trips to the Himalayas or other remote and potentially dangerous places. Travellers might like to go on these trips without the added cost of the insurance but it might not be possible on some trips. The tour operator or organised might not wish to allow you to travel at their risk.

As an avid traveller, Paul loves to visit at least one new country each year. Paul also uses his experience to writes travel insurance advice for other travellers and about the latest travel insurance news.

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