Protected travel cover lapsing

When your cover lapses before you return home Sometimes weather, strikes and technical trouble delays your return home and your insurance cover lapses.

When this happens through no fault of your own, the reputable companies usually extend the cover until you return for no extra payment, so you need not panic if yours runs out

Fill the examples WE have given so far are for individual different kinds of cover while travelling.

For most people a policy which combines all these risks is often preferable, with extra on certain items for the passenger who feels he is facing a particular risk. These policies usually carry an age limit of 75 and the cost is very low.

The information required is quite limited and the person taking out the policy can cover all his family or group on one policy.

This policy from Norwich Union offers personal accident, medical and other expenses ( £600,000 and disability payments for a period), up to £2,500 in Europe and the UK and £50,000 elsewhere, personal baggage and money up to £400, cancellation and curtailment up to £600, interruption of travel services up to £50 and personal liability up to £250,000. The premiums are shown overleaf.

(b) European area means Europe (including Isle of Man, Channel Islands and Republic of Ireland), Jordan, Madeira, Canary Islands, and those parts of countries bordering the Mediterranean sea, north of 3011.

(c) Retain the attached summary of cover and take this and the certificate which will be issued with you on holiday as these documents could be of assistance in obtaining necessary medical and hospital treatment.

(d) A copy of the policy wording is available on request.

As always with these policies, there are exceptions, and perhaps most common of all, extra insurance is needed for anyone who is going on a winter sports holiday.

Other holidays which may require extra cover are mountaineering, sailing, pot-holing and skin-diving.


Protected travel cover lapsing

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Protected travel - Taking your car abroad

When your cover lapses before you return home Sometimes weather, strikes and technical trouble delays your return home and your insurance cover lapses.

When this happens through no fault of your own, the reputable companies usually extend the cover until you return for no extra payment, so you need not panic if yours runs out

Fill the examples WE have given so far are for individual different kinds of cover while travelling.

For most people a policy which combines all these risks is often preferable, with extra on certain items for the passenger who feels he is facing... see: Protected travel - Taking your car abroad