San Stefanos and Annual Travel Insurance

[tonyco1]

We have an Annual travel Insurance deal given with my bank account, combined with car recovery for any car I happen to be in.
Not bad for £11.44 a month, when I was previously paying £10 monthly just for car recovery, plus around £100 for annual Travel Insurance on top. The Bank contacted me last November and I read through and took it.

Later on I read the small print on the Travel Insurance.
One thing caught my eye, from this year - this company will not cover you if you ride on a quad bike and get injured.
It's ok to ride on a Bike or scooter up to 125cc, but not a quad bike.

I phoned them and asked about it, they said that all the Travel Insurance Policies are starting to change and put this clause in.
It seems that quad bikes have lots more accidents than any other type of hire vehicle.

So check your policy, because it's one thing that can lose you, your payout if you are unlucky with an accident.
I also had to declare all our medical problems past and present from a list - nothing too unusual there.
I wasn't given a loading even though I have tablets now to keep my blood pressure to the right level, and mild ashma.

However, if I had not declared this, there would be no claim if things went wrong, if the claim could possibly be related in any way.
Now every one knows how devious Insurance Companies are when a claim goes in, in an effort not to pay out, so take my tip - - -
take 5 mins to inform them of anything you have see the doctor for, or you may pay the price when a claim goes in.

Especially check any restrictions on things like quad bikes.

[Jules]

Some of the cheap on line insurance quotes can have quad bikes added for just a few more pounds

[tonyco1]

Not a problem - I have a full motorcycle licence anyway

[Sandra W]

Just had our annual travel insurance renewal form delivered today. Multi-trip Europe for £75.............. Through Argos... Not bad!

[tonyco1]

Did you declare everything - as it could cause a problem later - you know insurance Co's!!

[don]

Had the same policy for last 6 years!

[afroditi]

Had problems with AXA paying out. Took 2 years and needed a solicitor before they would pay

[tonyco1]

Had the same policy for last 6 years!

Means nothing if you don't declare any long term medication or medical problem you've had treatment for.
These insurance companies hate paying out, even something non-related in our eyes, can be used against you, as some insurers said,
"you didn't declare something, so insurance is invalid".
Always check the small print.

[Jules]

I think on our annual policy its if you have had treatment for any condition within the last 12 months but I will check that out.

[tonyco1]

Better safe  than sorry!

[Jules]

Definitely better safe than sorry as each year you hear of people having difficulty getting home after illnesses. Also be aware if you have an accident and you have alcohol in your blood as you may not be covered as well.

[zoe]

we get an annual  travel insurance from atlas last october it was £45 plus £10 as i take 1 b/p tab a day dont know if it will go up this year as i will be 50 in october but so far this is the best price i have seen

[tonyco1]

When I declared my BP tablets - no problem or extra money!

[don]

What could I declare...... I broke my toe a couple of weeks ago and didn't know. I broke my wrist in 2008. I broke some bony type things in my back in 1977......... They don't bother me 

[tonyco1]

Just say "ship-wreck" - - rebuilt!! - - LOL!!