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How can buying an insurance policy lead to a stress free holiday?

There are so many choices to make when selecting where you would like to spend your time on holiday that the whole process of booking your holiday can become quite stressful. When you finally get there choosing a travel insurance policy can take away many uncertainties and provide you with the financial security for any unforeseen circumstance that could arise from the date you take out your policy.

The most common reason for taking out a travel insurance policy is to provide cover in the event of a medical emergency. If you have a medical condition then it is necessary to declare this to your insurance provider in advance of the insurance purchase. You will often be asked some straightforward questions about your health condition for any medical premium to be calculated. If you are unsure about the need to declare a condition it is always best to do so, however minor the condition, as otherwise any claims that directly link to a condition not declared may not be covered.

There are many types of travel insurance policies, Single Trip, Long Stay, Annual Multi-trip, Winter Sports and Gap Year. Policies are frequently taken out over the internet through secured sites where payment can be taken as part of the process. Travel Insurance providers have many years of experience in providing a fast and seamless process where health declarations can be made online and policies issued as soon as the sale is complete.

For peace of mind you can choose an Annual Policy and have it automatically renewed to be sure that you never forget the renewal date. You will still need to complete a new health declaration for any new policy that is taken out. Just check that it will cover all of the regions that you would like to travel to.

If you use an online provider, no matter where you are, you will always be able to access your policy information. Important telephone numbers of emergency assistance companies can be accessed online and by text to your mobile.

Providers try to ensure that you have all of the information that you need to hand should you need to access this or present this to the emergency services. You will need to read and check your policy before you depart to ensure that this meets your needs. Most providers will allow 14 days from taking out the policy to cancel them and often without charge, with a full refund. If you need to cancel after 14 days then typically no refund is given.

When travelling, always remember to check the latest travel advice supplied by the Foreign & Commonwealth Office as these pages will provide information on the safety of travel to destinations. They will also provide advice on whether they recommend travel to a destination or just essential travel. More information can be found at www.flexicover.co.uk/Page/FCO.

When choosing a provider always check that they are authorised and regulated by the Financial Conduct Authority or Prudential Regulation Authority and that they are covered by the Financial Services Compensation Scheme to be sure that you would receive compensation in the unlikely event that the provider was unable to meet its obligations.

Summary

The above points highlight some of the most common situations that can be stressful when travelling and are reasons why travel insurance should not be ignored. Have peace of mind when travelling and remember to purchase your travel insurance.

Safe travels.

Further details can be found at www.flexicover.co.uk.

Flexicover, a division of Citybond Holdings Ltd., 109 Elmers End Road, Beckenham, Kent, BR3 4SY, is authorised and regulated by the Financial Conduct Authority (FCA) to transact general insurance business. Citybond’s Firm Registration Number is 312208. You can check this information by visiting the Financial Services Register at www.fca.org.uk.

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