Travel insurance at affordable premiums

Do you need insurance for a quick weekend away?

Travel insurance is one of those things that is not a legal requirement, but which can often be a good idea. Essentially, it depends entirely on you and your needs.

However, even people who always take out a policy when they go abroad for a fortnight or longer may forget about insurance when they go away on a weekend break.

For some reason, when it comes to shorter trips, many people do not realise that the risks are just the same.

Nearly half of travellers do not buy city break insurance

An article back in March 2015 on the BT website reported on a surprising statistic. It claimed that nearly half of city break tourists are not taking out insurance. In addition it claims that 30 per cent of those who did not get cover said that they never even thought about it. Even worse, one in 15 had become a victim of crime on their most recent city break.

The potential costs of not taking out insurance

It is worth looking at some of the things that can go wrong if you do not have insurance, or if you take out insurance but do not declare pre-existing medical problems.

For example, a story was recently reported in the Blackpool Gazette where an elderly couple planned a cruise trip of a lifetime to Tenerife. However, one of them experienced chest pains and had treatment in hospital.

They had not informed their insurer that he had suffered a heart attack a decade earlier. Although the treatment was covered on his EHIC, the other costs were not which included £3,000 spent on accommodation, flights and taxis.

Heed the warnings

It is up to you whether you take out insurance for any trip, but it is well worth listening to the warnings. The Association of British Insurers (ABI) recently warned about the dangers of travelling uninsured, as reported in MoneyFacts.

Apparently, £370 million was paid out by insurers last year, and 202,000 travellers claimed for receiving medical assistance overseas.

Consider a multi-trip policy

The very nature of weekend breaks means you may go on more of these each year than on holidays. As a result, it may be a good idea to look into multi-trip policies, like those we offer at Bengo Travel.

With one of these in place, you can go away on numerous trips without having to worry about taking out a policy each time.

How to find suitable cover

If you do decide to take out insurance for your weekend break, start looking early and make sure you buy it before you go away – most insurers do not let you purchase cover once you are overseas.

Compare policies, which is easy to do these days online, and always look at what is covered rather than only focusing on the price. Obviously the price is going to be an issue, but it should not be the main consideration – after all, good value does not necessarily mean cheap.

Instead, find the policy that allows you to relax and enjoy yourself on your break knowing that you are properly covered.