For several years I have held annual, worldwide multi trip, and, touch wood, never had to make a claim. My renewal becomes due shortly, so I rang Insure4 just to clarify what level of cover I had...they offer three levels.
In passing, I mentioned about individual item cover, and was offered a policy extension for my new Ipad Air + two other gadgets. So far, all well & good. I then mentioned that although purchased on my UK C/card, it had been bought from the US Apple Store for delivery to, and collection from, my US friends. After consulting a supervisor, I was informed that ANY goods purchased abroad were not covered on the policy.
Which begs the question..several friends of mine in a local photographic group have purchased expensive eqpt whilst in transit, Singapore springs to mind, and I bet they don't know that cover is invalid in case of loss. Other friends have, only recently, brought back Bose headphones from the USA which cost a pretty penny, although less than the UK.
So, what to do? If my Ipad gets lost or stolen whilst travelling it sounds like I am stuffed.
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What about your Household Insurance ? Mine covers me to take expensive bits of kit out of the house.
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Some insurance policies end up having big restrictions on what they pay out for. When I had to claim for damaged items in a car accident they turned out to not pay much at all for a single item! Ended up claiming from home insurance (Barclays) who were excellent. I'd still want the holiday insurance because that did cover other things we claimed for.
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Thanks RP. So obvious It never occurred to me! I had always thought that I was only covered on my HH contents insurance for items out of the home in the UK. Wrong. I phoned Aviva and they told me I was covered worldwide. £3000 total value, single article limit £2k with an excess of £200. Hope I don't need to make a claim but peace of mind at least.
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I only ever take out travel cover for medical stuff as only loss on canx for our usual holidays would be a ferry fare and less than excess. Household cover has extension for stuff taken outside the house. Tent is insured separately with Camping Club.
Mrs B lost her expensive varifocals and a pair of 'FitFlop' shoes to bottom of a French lake when a friend capsized his dinghy with her as crew.
Aviva handled it faultlessly and paid out in full.
Last edited by: Bromptonaut on Tue 18 Feb 14 at 16:10
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Travel insurance is, as always, most important for the medical cover. I sometimes visit friends in the USA three times a year, and last minute flights are not cheap, nor are those booked 6 months in advance, so cancellation cover is another important criteria.
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If trying to save money on travel insurance it is possible to buy a policy for use within the EU which only covers the aspects that the EHIC card does not. However, I understand that Spain is declining treatment for EHIC holders - be insured or don't get treated! I happened to move my car cover to Aviva as the prices was right; they were already handling my house and contents and I got 20% discount off each policy for having both with them. This is obviously a good deal if the premiums suit you!
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Travel insurance conundrum - R.P.
