Wednesday, June 10, 2009
Travel Insurance – Is checking in baggage a thing of the past?
When travelling, the cheapest and quickest way to get through an airport is to take hand luggage only.
This is great for those short trips away, maybe for a single night or two! But can you really travel with just hand luggage for any longer?
To travel with just hand luggage you need to be aware of the size of bag you can take onboard. The size each carrier allows varies, however 55x40x20cm seems a safe bet (remember to check before you travel!). This is fine for a few days but a week could be a struggle. A beech holiday may be possible if you intend to wash your clothes whilst you are there and buy other essentials on arrival, but travel trips to colder climates seems pretty impossible!
Weight of the bag can now also be a factor so you should check this out with your carrier too. It is reported some don’t care as long as it fits in the overhead locker and you are able to lift it unassisted, while others such as Ryanair, currently have a maximum limit of 10kg. This can obviously limit what you can squeeze in and 10kg is only realistically acceptable for short travel breaks.
Also, remember if you are travelling no frills then it is one bag and one bag only. If any Women out there are thinking you can put all your make-up in your hand-bag think again! If you need an extra bag like a handbag or laptop, you are going to need to travel with a more established airline, such as BA or Virgin – but will the extra cost outweigh checking bags in with a budget liner?
So, is it cheaper to check baggage in with a budget airline then get auto inclusion with other airlines?
Obviously this depends oh the price of your budget flight. If it’s a penny then it probably will be cheaper, but if you are travelling last minute it is worth checking out medium to prime the cost could be comparable and you will probably fly to a central airport where it will not cost so much for transport when you land.
Let’s look at the prices. Check a bag in with Ryanair and they will currently charge you £20 for a return flight with a slimline 15kg limit. Do it last minute and that doubles to £40. Compare that to Virgin and BA and you have a more generous 23kg limit and pay nothing for the privilege!
Basically, if you are going for a week away and you really can carry just one small bag then do it, however for the extra hassle and cost, the convenience of having what you want on holiday and not having to waste time washing (and ironing) probably justifies the cost!
What else do you need to take on holiday? Travel insurance is one, it is a must! This year, single trip travel insurance is going to be a more common purchase than annual multi trip travel insurance. Because of the credit crunch people are less likely to take multiple trips away so single trip insurance is the purchase you should be looking to make!
For all your travel insurance needs call click4quote.com.
Have you had any bad experiences with airline over hand luggage? Let us know!
We are also interested in your travel trips where you have managed with just hand luggage.
This is great for those short trips away, maybe for a single night or two! But can you really travel with just hand luggage for any longer?
To travel with just hand luggage you need to be aware of the size of bag you can take onboard. The size each carrier allows varies, however 55x40x20cm seems a safe bet (remember to check before you travel!). This is fine for a few days but a week could be a struggle. A beech holiday may be possible if you intend to wash your clothes whilst you are there and buy other essentials on arrival, but travel trips to colder climates seems pretty impossible!
Weight of the bag can now also be a factor so you should check this out with your carrier too. It is reported some don’t care as long as it fits in the overhead locker and you are able to lift it unassisted, while others such as Ryanair, currently have a maximum limit of 10kg. This can obviously limit what you can squeeze in and 10kg is only realistically acceptable for short travel breaks.
Also, remember if you are travelling no frills then it is one bag and one bag only. If any Women out there are thinking you can put all your make-up in your hand-bag think again! If you need an extra bag like a handbag or laptop, you are going to need to travel with a more established airline, such as BA or Virgin – but will the extra cost outweigh checking bags in with a budget liner?
So, is it cheaper to check baggage in with a budget airline then get auto inclusion with other airlines?
Obviously this depends oh the price of your budget flight. If it’s a penny then it probably will be cheaper, but if you are travelling last minute it is worth checking out medium to prime the cost could be comparable and you will probably fly to a central airport where it will not cost so much for transport when you land.
Let’s look at the prices. Check a bag in with Ryanair and they will currently charge you £20 for a return flight with a slimline 15kg limit. Do it last minute and that doubles to £40. Compare that to Virgin and BA and you have a more generous 23kg limit and pay nothing for the privilege!
Basically, if you are going for a week away and you really can carry just one small bag then do it, however for the extra hassle and cost, the convenience of having what you want on holiday and not having to waste time washing (and ironing) probably justifies the cost!
What else do you need to take on holiday? Travel insurance is one, it is a must! This year, single trip travel insurance is going to be a more common purchase than annual multi trip travel insurance. Because of the credit crunch people are less likely to take multiple trips away so single trip insurance is the purchase you should be looking to make!
For all your travel insurance needs call click4quote.com.
Have you had any bad experiences with airline over hand luggage? Let us know!
We are also interested in your travel trips where you have managed with just hand luggage.
Labels: Multi trip travel Insurance, Single Trip Travel Insurance, Travel Insurance
Wednesday, March 18, 2009
Travel Insurance equality push may increase premiums.
Travel Insurance for the older generation can be difficult to find, especially for those aged 75 or over travelling outside of Europe. Often premiums are higher for an older traveller which has been considered as unfair due to the fact that it could stop them travelling altogether. Especially when you consider that they are at the time of life when they have the most freedom to visit family and friends. The issue is that currently most insurers offer travel insurance in age brackets and if you fall outside of this bracket it may be hard to find cover at all, regardless of any pre existing medical conditions.
In an article written by the Daily Mail on the 3rd March, Paul Cann of Help the Aged said “Age alone should not be the basis of an insurance premium or quote. Insurers are entitled to make commercial decisions, but these should be based on evidence of risk and not the date of birth on a birth certificate”.
There are Government plans to bar age discrimination, which although pleasing for the older age group, could result in insurance price rises for millions. If firms are no longer able to take customers’ ages in to consideration when assessing risk, other forms of insurance may be hit by the unintended consequences of the Governments legislation, the Association of British Insurers said. The effect of a proposed Equality Bill banning age discrimination in the provision of goods and services would mean drivers considered a lower risk, subsidising higher risk drivers, resulting in many more of us paying increased car insurance premiums.
The ABI said that the average travel insurance claim for someone over 65 was nearly three and halftimes higher than for those under 50.
Therefore there is no doubt that age is a factor when assessing risk, and increased claims are more common in the higher age bracket, so do you think others should have to subsidise those considered a higher risk? Do you think experienced drivers would be happy to subsidise younger drivers for their car insurance?
Please let us know your thoughts on this; do you think premiums should be equal for all?
If you are currently looking for travel insurance for your holiday, see if Click4Quote.com can offer you a quote online today. We also have an alternative provider for travellers over 75, so we are confident we can offer you cover for your trip whatever your age. Please contact us for more details.
In an article written by the Daily Mail on the 3rd March, Paul Cann of Help the Aged said “Age alone should not be the basis of an insurance premium or quote. Insurers are entitled to make commercial decisions, but these should be based on evidence of risk and not the date of birth on a birth certificate”.
There are Government plans to bar age discrimination, which although pleasing for the older age group, could result in insurance price rises for millions. If firms are no longer able to take customers’ ages in to consideration when assessing risk, other forms of insurance may be hit by the unintended consequences of the Governments legislation, the Association of British Insurers said. The effect of a proposed Equality Bill banning age discrimination in the provision of goods and services would mean drivers considered a lower risk, subsidising higher risk drivers, resulting in many more of us paying increased car insurance premiums.
The ABI said that the average travel insurance claim for someone over 65 was nearly three and halftimes higher than for those under 50.
Therefore there is no doubt that age is a factor when assessing risk, and increased claims are more common in the higher age bracket, so do you think others should have to subsidise those considered a higher risk? Do you think experienced drivers would be happy to subsidise younger drivers for their car insurance?
Please let us know your thoughts on this; do you think premiums should be equal for all?
If you are currently looking for travel insurance for your holiday, see if Click4Quote.com can offer you a quote online today. We also have an alternative provider for travellers over 75, so we are confident we can offer you cover for your trip whatever your age. Please contact us for more details.
Labels: Travel Insurance
Wednesday, January 21, 2009
Travel Insurance options for single and annual multi trip – save money!
Travel Insurance from click4quote is designed to be flexible so the traveller can decide which cover best suits their needs. Other policies available do not allow you to remove or choose benefits meaning that you could pay for more cover than you actually need leaving you less money to spend on your travels!
With Click4Quote travel insurance there are options for the destinations you intend to travel to, for example you have the option for worldwide travel cover excluding the USA & Canada, which means you pay a lower price as you are not travelling to these countries which have associated higher cost of claims.
We also offer more specific cover sections such as ski insurance, golf travel and business travel cover which is available on the multi trip travel insurance and our Single Trip Insurance policies if required. The options are not included as standard and can be purchased as add-ons to the travel policy which means you do not pay more than you need to for the cover you require.
With annual multi trip travel insurance and our Single Trip Travel Insurance we also have special family and couple rates which are cheaper to purchase than travelling as individuals. We also have a special single parent family rate and offer a discount to over 10 individuals travelling together on a single policy.
We also offer more specific cover sections such as ski insurance, golf travel and business travel cover which is available on the multi trip travel insurance and our Single Trip Travel Insurance policies if required. The options are not included as standard and can be purchased as add-ons to the travel policy which means you do not pay more than you need to for the cover you require.
A good option to choose is the excess waiver which is available on both the annual multi trip travel insurance and single trip travel insurance. Excesses are applied per person, per incident, per section which, if you have a family policy may mean a large excess payable since the excess is payable per person insured and not on a group basis. By including the excess waiver for a small additional payment you would pay no excess whatsoever which would reduce financial stress. Excess waivers would not apply to any special excess that have been applied such as those for pre-existing medical conditions or for specialist sports activities.
To take advantage of any of the above travel insurance cover visit Click4Quote.com where you can quote and buy travel insurance online with instant documentation. We are not however a pire internet company so if you would discuss in more detail any of the options above with an advisor call us Monday to Friday 9am to 5:30pm.
With Click4Quote travel insurance there are options for the destinations you intend to travel to, for example you have the option for worldwide travel cover excluding the USA & Canada, which means you pay a lower price as you are not travelling to these countries which have associated higher cost of claims.
We also offer more specific cover sections such as ski insurance, golf travel and business travel cover which is available on the multi trip travel insurance and our Single Trip Insurance policies if required. The options are not included as standard and can be purchased as add-ons to the travel policy which means you do not pay more than you need to for the cover you require.
With annual multi trip travel insurance and our Single Trip Travel Insurance we also have special family and couple rates which are cheaper to purchase than travelling as individuals. We also have a special single parent family rate and offer a discount to over 10 individuals travelling together on a single policy.
We also offer more specific cover sections such as ski insurance, golf travel and business travel cover which is available on the multi trip travel insurance and our Single Trip Travel Insurance policies if required. The options are not included as standard and can be purchased as add-ons to the travel policy which means you do not pay more than you need to for the cover you require.
A good option to choose is the excess waiver which is available on both the annual multi trip travel insurance and single trip travel insurance. Excesses are applied per person, per incident, per section which, if you have a family policy may mean a large excess payable since the excess is payable per person insured and not on a group basis. By including the excess waiver for a small additional payment you would pay no excess whatsoever which would reduce financial stress. Excess waivers would not apply to any special excess that have been applied such as those for pre-existing medical conditions or for specialist sports activities.
To take advantage of any of the above travel insurance cover visit Click4Quote.com where you can quote and buy travel insurance online with instant documentation. We are not however a pire internet company so if you would discuss in more detail any of the options above with an advisor call us Monday to Friday 9am to 5:30pm.
Labels: Multi trip travel Insurance, Single Trip Travel Insurance, Travel Insurance
Wednesday, October 22, 2008
Need Travel Insurance?
Welcome to our brand new Travel Insurance blog from Click4Quote!
Click4Quote are the experts when offering a range of travel insurance to suit both for individuals needs and groups., which is why we have created this blog.
In this blog we will talk about all the types of travel insurance options and help you decide which is right one for you. We offer the following types of travel insurance:
- Single trip insurance
- Multi trip travel Insurance
- Ski travel insurance
- Business travel insurance
- Golf holiday insurance
- Over 65 travel insurance
- OAP travel insurance
If you require group travel insurance we also offer discounts for group travel policies and can provide bespoke quotes by phone.
Our travel insurance covers UK, Europe, Australia and New Zealand, Worldwide excluding USA and Canada or Worldwide including USA and Canada.
We also offer holiday insurance quotes for family travel, group travel, couples, individuals, single parent family cover and senior citizens travel insurance, and will help you get the best insurance deals for European holiday cover for single trip insurance or annual family travel insurance.
In our next entry we will talk more about the different types of travel insurance. We hope this information helps you in choosing the right one that suits you.
Labels: Business travel insurance, Golf holiday insurance, Multi trip travel Insurance, OAP travel insurance, Over 65 travel insurance, Single trip insurance, Ski travel insurance, Travel Insurance
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