Taking A Holiday
Holiday time, looking forward to those white beaches, blue clear water., the Sun and having some Cocktails with those little paper umbrellas. It may be the same place you have holiday each year or may be somewhere new, either way your going to be looking forward to it. You may even rent a car and go exploring or maybe you won’t.
You may be thinking well maybe I will stay close to my local haunts, you might also be thinking "This year I might try skying, alway fancied learning so why not let's give it a go."
Whether you’re heading North or South, East or West, and if your preference is an action-packed break or easy-going do as little as possible type of break, it’s really easy to forget that when your away from home unpleasant things can & do happen when you are on holiday. Despite your best efforts at just trying to get away from it all, something just conspire against you....
Can I give you some help & advise, invest an hour of your time in some meaningful preparation and give you some peace of mind. Knowing that if something goes wrong and happens to make your holiday difficult we will protect you.
To help you here are a few thoughts to consider for your trip. Don't forget if you have any questions, please don’t hesitate to give us a call.
Rental Car? We Recommend: Buy The Insurance
Just arrived, cleared customs and now for the Sel Drive Hire Car counter. From the airport you can just make out the tantalizing colour of the water… turquoise-blue, and crystal clear, beguiling. The beach is full of sun tanned bodies having their holiday and you just want to get going and get the holiday into full swing. All you need now is to organise the wheels so you can jump into your holiday break, you have been looking all year to have. Just need one more signature on another form and one more sheet of paper. And you are off the grid you’ll be gone! You just cannot wait.
Then, you hear this question comes: “Would you like to purchase the insurance for your rental car?” Well, no. Or yes? But doesn't your basic rental charge cover the cost of this ? It may or just as likely it may not. What you need to buy is Collision damage cover so that if you do have an accident you are not lumbered with the cost of repairing your hire car. Some hire companies only provide basic motor insurance cover, which may not cover damage to your car. My advise is but the additional cover and ensure that this gives you Comprehensive cover like you have on your own car back home.
The nest thing is check the policy excess, some hire car companies apply an excess from £100 - £1000 but also include a clause called a co-insurance clause. This means you pay a percentage of the damage to your car and this can be as high as 25%. So if the car was written off and was worth £10,000 to replace to the hire company, you have to find £2500 not the £100. My advise is to check the hire car agreement before you go out
You want your holiday off right and let's face it none of us like surprises, well not these type of surprises. So when it comes to rhir car's make sure you get Comprehensive cover with a low excess and no co-insurance clause and pay the extra to get the cover right rather than moaning about it after the event.
Also don't forget the “Loss Damage Waiver” (LDW) from the hire company. If purchased, this will waive any liability on your part for financial liability for the vehicle loss, or damage to the hire car together with the parts and accessories that come with it, although tyre damage can be excluded from this, so drive carefully and don't go off road unless the hire company has agreed to this use.
My recommendation is to buy the LDW for several reasons:
If you cause damage to the rental car, the rental car company will likely require immediate reimbursement for the repairs. They won’t wait until a claim is submitted and processed. That means, they will charge (and possibly max out) your credit card to get the car fixed as quickly as possible. They won’t do that if you purchase the LDW.
In addition: A hire car company makes money only when their car is out on the road on hire. If the hire car is “on hold” because it is in for repairs as a result of the damage you caused, the hire car company may include a charge against you for “loss of use”. Again this is also covered if you buy the LDW.
Keep in mind: Even if you buy the LDW, there are likely to be some exclusions, such as only listed drivers are covered, you are not covered if you drive while intoxicated, or may not be covered on certain sections of road or off-road, take a moment to read the fine print.
As to your credit card: Some credit cards will, indeed, extend to provide coverage for a rental car. But contracts vary from card to card, and some cards may only provide secondary or excess coverage. Call your credit card company to confirm coverage before your rely on them
Also, if you travel abroad to Europe, Asia or South America and plan to rent a car, it is best to purchase maximum liability limits through the rental company’s coverage.
Going Abroad & Travel Insurance
Aw, that hurts! You haven’t broken a bone since you were 11 years old and fell off your BMX bike. At least that was worth it, because at the time you actually made it over that jump and really got some air, and everybody cheered – and then you crashed. The cast was cool with your friends, with everybody’s graffiti on it.
Right now, it’s not cool. Nobody’s cheering. There isn’t even a bump on the slope. As far as you can tell, you fell right over your own two legs. Which makes it absolutely not cool. Downright embarrassing, rather. And it really hurts, too!
The fact that you aren’t skiing at home, but in the Swiss Alps doesn’t help. Oh my, you already see the ski paramedics coming toward you in their bright red overalls, with the stretcher between them. You’re not supposed to go down in that thing, are you?
Well, evidently, there’s no other way. Your cheeks will be burning brighter than the guys’ overalls, lighting the way down the slope. You pull your hat a little lower.
Before you even reach the bottom where the ambulance is waiting, another question pops into your mind: Does your Travel policy cover this? How much is it going to cost? Just how much does a Swiss hospital charge to adjust a broken bone?
You swallow. Atop the pain, this question really makes your heart race.
If you are planning a trip abroad, you should call us for a Travel Insurance quotation, it;s low cost and provides essential travel cover whilst abroad.
Be sure to ask whether the policy covers medical payments abroad, includes high-risk activities that you might want to pursue (such as skiing, scuba-diving, paragliding or mountain-climbing), and whether they pay foreign doctors and hospitals directly (or if the foreign service provider will charge your credit card first).
Depending on the rules and restrictions of your individual plan, it may be wise to invest in a medical travel insurance policy that covers you for the extent of your trip.
There are a variety of very affordable medical travel insurance plans available that may return your investment in added peace of mind as you explore new corners. For a major trip, you also have the option to purchase a travel insurance package that includes medical coverage, trip cancellation or interruption coverage, lost or stolen baggage coverage, or even accidental death coverage, among others.
This is your well-deserved holiday. Time to enjoy, relax, and re-charge. Don’t let life’s troubles come along and spoil your plans.