As many gear up for their summer holidays, new research from
Hiscox says that many are chancing more than just the weather with their
19% either do not bother taking out a specialist travel
insurance policy, or think that they are covered under another insurance policy
such as health, or simply do not know.
Colin Wallace of Hiscox says, "Recent changes in the
rules governing the sales of holidays have further strengthened consumer
protection. However understanding what you are covered for can become confusing
and there is a worrying degree of complacency when it comes to people making
sure that they have the right travel insurance, or indeed any cover at all. Taking
the time to think through your travel plans and what type of cover you need can
help take the stress out of travel."
One in ten are unsure as to whether they would be covered
for a medical emergency when on holiday.
Thrill seekers looking for some extreme sports action on
their holiday are taking more risk than they should with few checking whether
their travel insurance will cover them for the activity they are undertaking
such as bungee jumping or white water rafting; activities which are not always
covered as standard.
Check that your travel policy covers all of your planned activities.
Riskier winter sports such as ski /snowboard racing, jumping, acrobatics,
aerials and other activities are sometimes excluded and separate specialist
cover may needed.