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Travel Insurance Put at Risk by Lone Travellers
Author: Sofia Abasolo
A rapidly increasing number of Britons is putting their
travel insurance at risk by booking different parts of
their trip separately, a new study carried out by Marks
& Spencer (M&S) Money has recently revealed. According
to the research, an increase in internet availability
and usage is responsible for the new numbers: an entire
half of British holiday makers book their travels
independently instead of using a travel agent. But the
drawback of shunning the traditional package holidays is
that travel insurance policies may not cover all aspects
of an individually booked trip, says M&S. Commenting on
the popularity of self-booked holidays, M&S Money
revealed, perhaps unsurprisingly due to the recent surge
in internet use, that as many as 78% of people with
internet access use it to research holiday costs and
destinations. According to the study, the most popular
reason for a trip abroad is now to see family and
friends, rendering the package holiday obsolete. The
research revealed that 29% of Brits now book every
element of a holiday separately, meaning that no one
company holds overall responsibility: the flight, hotel,
and activities are all individually and separately
organised. Consequently, travel insurance becomes less
reliable. In the past, a travel agent would have been
responsible for the entire holiday and, if a flight was
cancelled or delayed causing a traveller to miss a later
flight, the travel agent would organise alternative
travel. However, taking control of booking means taking
control of cancellations and delays and can result in
extra costs – travel insurance does not properly cover a
DIY holiday in the same way it would do a package deal.
According to M&S Money, 35% of UK travellers encountered
a cancelled or delayed departure during their last trip,
21 per cent of whom were travelling independently and
were not covered by insurance. These statistics
highlight the importance of adequate travel insurance
for solo holiday makers. The recent chaos at Heathrow's
Terminal Five is an example of how travel plans can
unexpectedly change. When at the opening day of
Heathrow’s new £4.3 bn terminal was blighted by
countless cancelled flights, baggage delays and a
temporary suspension in check-in, many travellers’
insurance deals did not cover the situation. Following
this unfortunate episode, some insurers have downright
stopped offering cover for lost luggage or delayed
flights to travellers going through Terminal 5 at
Heathrow. “We cannot insure for events that have already
happened," explained a spokeswoman for Direct Line, one
of the insurance firms that have taken this stance. She
then added: "Insurance only covers events that the
customer is not aware of at the time of purchase. People
calling up on our travel insurance quote line were told
this specifically.” In response to this gap in the
market, M&S Money has decided to introduce an insurance
policy specifically for holiday makers who book it
themselves. "As independent travel has grown we have
identified changes in how customers travel and book
holidays. This has changed what they need from travel
insurance." said Brendan Cook, chief executive of M&S
Money. M&S’s innovation seems to stand alone however, in
a sea of insurance companies which are not answering to
the current needs of modern travellers. A possible
affecting factor may be the recent increase in budget
holiday use. Budget flight companies offering
unbelievably cheap deals are notorious for ‘giving you
what you payed for.’ In other words, they often loose
baggage, delay and even cancel flights. This has caused
an upsurge in travel insurance claims which the
insurance companies have found difficult to follow.
Article Source: http://www.articlesbase.com/insurance-articles/travel-insurance-put-at-risk-by-lone-travellers-449131.html
About the Author:
Sofia is an author of several articles pertaining to
Travel Insurance . She is known for her expertise on the
subject and on other Business and Finance related
articles.
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Single Travel
Insurance
Author: Martha Vasquez
Are you leaving the country for a vacation or holiday?
Do you travel once a year and want to make sure you have
insurance to cover anything that can go wrong. Some
travelers will tell you to avoid travel insurance if you
have enough money to cover your trip, but in reality
something always goes wrong and having travel insurance
can be a great help. If your vacation is less than 120
days and you only travel once a year consider purchasing
single trip travel insurance and you will be ready in
case of that emergency...
read
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Why You Need Travel Insurance When Visit The USA
Author: S.Palermo
When people travel, they may not see impotence of
commissioning travel companies to provide travel
insurance. As they think travel insurance is something
like unnecessary expense of their travel and it is
really least chance for severe accident to happen during
the trip. In fact travel insurance is really compulsory,
no matter what trip you are going to have or how long
distance to are going to be away. This is because, in
fact, there are some unfortunate people who don't have
such a good time and they wind up needing that travel
insurance for one or more reasons, and no body could
ever know that when accident is going to happened or you
might be sick when you are in different environment. If
so, you will be spending large amount of that accident,
which a lot more than the money that you make travel
insurance...
read
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Trip Travel Insurance For The Traveler
Author: David Swanson
A lot of money is being invested today in traveling.
Cruise lines, resort package deals, and air travel can
easily run into thousands of dollars. You may have
invested some of that money on your trip and can risk
losing it all. Some people either don't think of getting
travel insurance or they just don't want to. Some may
think they are in perfect health and they are physically
active, what could go wrong? If something does, they
will deal with it then... read
»» |
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Cheap Travel
Insurance
Author: Nitin Singh
We all are wanderlust from core of our heart and aspires
to escape in the realms of world's most exotic
locations. After days of travail we all are eager to
unwind with friends and family. Before you take off for
a trip to dream destination, purchase a travel insurance
to cover medical expenses and financial losses that can
incur while traveling abroad or in one's own country. As
travel insurance secures you from the crisis...read
»» |
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Travel Insurance Protects All Travellers From Risks!
Author: Kirthy Shetty
Any unexpected expenses during your travel abroad need
to be preplanned well in advance. Travel insurance is
indispensable when you are traveling to a foreign
country, sometimes you are on your own and any
unforeseen incidents such as accidents or illnesses will
be borne by you wholly. With Travel insurance your
medical expenses or any other unforeseen expenses will
be covered....
read »» |
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