Travel Insurance Tip No 2: Are you eligable for cover?

By , September 21, 2011 3:04 pm
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2. Check that you are eligible for travel insurance cover and buy the policy before you leave the UK.

Tip number 2 of our top ten travel insurance tips is to check that you are eligible for the travel insurance cover you want to buy and to make sure you buy your travel insurance policy before you leave the UK.

When you buy travel insurance, online or by phone, you will usually be presented with a list of requirements to ascertain whether you are eligible to be covered under that policy.

You must read these requirements carefully and be honest, because if you are not eligible for cover and you go ahead and purchase the travel insurance anyway, your policy will not be valid and you will not be covered if you need to make a claim.

Most travel insurance policies sold by insurance providers in the UK, require you to be a UK resident in order to be covered. Definitions of a UK resident may vary from policy to policy, but a common requirement is that you have been living in the UK for 6 months or more at the time of purchase. They will probably also require you to have been registered with a general practitioner or GP for 6 months.

Other requirements are likely to include:

– You need to be in the UK when you buy the travel insurance policy.
– The trip must start and finish in the UK and the policy must cover the entire duration of your holiday.

This means it’s vital that you remember to buy your travel insurance before you depart on your trip. Once you have the left the UK it is too late and you won’t be able to get travel insurance cover.

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