| Looking for travel insurance can often be a | | | | items or events that will be excluded from their |
| somewhat daunting business if you’re unclear | | | | cover. Exclusions that appear often might be things |
| about the crucial terminology that surrounds the | | | | like claims arising from medical conditions that you |
| industry and is thrust in your direction by the many | | | | haven’t declared, or claims for medical expenses |
| companies that all want to earn your very valuable | | | | that arose from the policyholder not taking |
| custom. It really is vital that you understand what all | | | | reasonable precautions to prevent injury. |
| the key terms mean to ensure that you’re not | | | | LEGAL EXPENSES. In case you should need to make |
| deceived and made to buy an insurance policy which | | | | use of legal aid when it comes to your travel |
| neglects to offer you the cover to suit your individual | | | | insurance policy, or if you incur any legal expenses |
| needs. Here you will find a glossary of travel | | | | whilst travelling, most companies offer a certain |
| insurance terminology which should be of assistance | | | | amount of cover for legal expenses within their |
| in turning you into a travel insurance genius, and will | | | | policy. |
| hopefully furnish you with the confidence you’ll | | | | POLICY HOLDER. The policyholder is the person, or |
| need to come to grips with the process. | | | | organisation, who has been issued the policy by the |
| ANNUAL COVER. Annual cover pretty much does | | | | insurance company. It’s worth checking to see if |
| what it says on the tin: you’ll pay a one time | | | | you are entitled to any discounted rates as a |
| price which then provides you with cover for all the | | | | policyholder – there are often cheaper rates for |
| travelling you intend to do during one year. The other | | | | couples, families, children and the elderly. |
| option you’ll be presented with is Single Trip | | | | WINTER SPORTS COVER. Just as there are |
| insurance, which could save you some money if | | | | different types of holidays, there are also different |
| you’re only planning to take one trip this year. | | | | types of travel insurance to cover every traveller for |
| CLAIMS. A claim is just the term used when you ask | | | | their individual needs. One example is winter sports |
| for compensation from your insurance company for | | | | cover, which is provided by most companies for |
| something covered by the policy you’ve decided | | | | those who intend to take a skiing or snowboarding |
| on. For instance, if you’re travelling and you have | | | | holiday, for example. This can be very helpful in |
| a bag stolen that contained valuables, cash and your | | | | eliminating the need for unnecessary cover: if |
| passport, you can file a claim with the company that | | | | you’re planning a winter sports holiday, this will |
| provides your insurance to pay for the loss you have | | | | cover you for any additional risks, whilst travellers |
| suffered. | | | | planning family holidays by the beach can pick a |
| EXCESS. An excess is the amount that you must pay | | | | different policy to avoid the |
| towards each claim you make. These will vary | | | | extras.etravelinsurance.co.uk offer great deals on |
| depending on the company you go with, so be sure | | | | student travel insurance including backpackers |
| to read the small print. It’s worth checking how | | | | insurance which is especially designed to offer |
| much your excesses are before making a claim, to | | | | economical travel insurance cover for backpackers, |
| ensure that it’s really worth it. | | | | gap year students and anyone taking an extended |
| EXCLUSIONS. Every insurance policy has particular | | | | trip abroad. |