How to Make a Successful Claim on Your Travel Insurance

<h1>How to Make a Successful Claim on Your Travel Insurance</h1>Author: <a title="Rachael Miller" href="http://www.articlesbase.com/authors/rachael-miller/89764.htm">Rachael Miller</a> Nowadays people are much more likely to book their holiday online as opposed to with a travel agent. This growing trend is to use a DIY approach, by booking accommodation, flights and insurance separately to cut costs. But how safe is it, in terms of insurance, to sculpt your own DIY holiday? If you book your holiday with a travel agent, they will almost certainly offer you travel insurance for the whole package, which is convenient but often a lot more expensive. Booking with another provider is sure to be cheaper. What most people do not realise is that standard travel insurance policies were designed to be used with package holidays and include several flaws when concerning DIY holidays. An example would be that if you missed your flight due to transport issues, and subsequently missed time already booked in your accommodation, a standard policy will not cover you for any additional costs, including the price of a later flight, as it would if you would have booked a package holiday. There is specialised cover for DIY holidays, though it will be more expensive (especially at this time, as booking with smaller airline companies at present is particularly risky). If you do need to claim on your travel insurance, it is important that you are organised and prepared. There are several things you can do to ensure that your claim will run as smoothly as possible: •	Keep your receipts. The more the better. For example, if your baggage is lost, keep receipts of any clothes, toiletries and anything else you would have bought as a result. This will prove to the insurer how much this has cost you, and you are more likely to be reimbursed the full amount. Also keep the receipts of any accommodation costs you might incurred as a result of a missed or cancelled flight. • Get proof that your flight was cancelled or delayed to show to your insurer. If your flight is cancelled for reasons out of your control, ask the airline to provide you with evidence so you can claim for any inconvenience to your wallet from your insurer. •	If any of your possessions or money is stolen, make sure you report it to the local police immediately, as if you don’t report the incident within 24 hours your insurer will probably by reluctant to pay out. Ask the police for a letter to prove that you have actually reported it, which is essential for claiming back money for stolen goods . •	If your insurance provider rejects your claim, you can complain for free to the Financial Ombudsman. Always remember to read the small print on your <a href="http://www.moneysupermarket.com/travelinsurance/"> travel insurance</a> policy. It is best to <a href="http://www.moneysupermarket.com/travelinsurance/">compare travel insurance</a> online to see what each provider offers, which will help to find the best deal for you. Buying <a href="http://www.moneysupermarket.com/travelinsurance/">holiday insurance</a> is as important as buying flights, so make sure you check that your policy holds everything that you might need for your trip.About the Author: young authorArticle Source: <a href="http://www.articlesbase.com/">ArticlesBase.com</a> - <a href="http://www.articlesbase.com/travel-articles/how-to-make-a-successful-claim-on-your-travel-insurance-651915.html" title="How to Make a Successful Claim on Your Travel Insurance">How to Make a Successful Claim on Your Travel Insurance</a>

Nowadays people are much more likely to book their holiday online as opposed to with a travel agent. This growing trend is to use a DIY approach, by booking accommodation, flights and insurance separately to cut costs. But how safe is it, in terms of insurance, to sculpt your own DIY holiday?

If you book your holiday with a travel agent, they will almost certainly offer you travel insurance for the whole package, which is convenient but often a lot more expensive. Booking with another provider is sure to be cheaper. What most people do not realise is that standard travel insurance policies were designed to be used with package holidays and include several flaws when concerning DIY holidays. An example would be that if you missed your flight due to transport issues, and subsequently missed time already booked in your accommodation, a standard policy will not cover you for any additional costs, including the price of a later flight, as it would if you would have booked a package holiday. There is specialised cover for DIY holidays, though it will be more expensive (especially at this time, as booking with smaller airline companies at present is particularly risky).

If you do need to claim on your travel insurance, it is important that you are organised and prepared. There are several things you can do to ensure that your claim will run as smoothly as possible:

• Keep your receipts. The more the better. For example, if your baggage is lost, keep receipts of any clothes, toiletries and anything else you would have bought as a result. This will prove to the insurer how much this has cost you, and you are more likely to be reimbursed the full amount. Also keep the receipts of any accommodation costs you might incurred as a result of a missed or cancelled flight.

• Get proof that your flight was cancelled or delayed to show to your insurer. If your flight is cancelled for reasons out of your control, ask the airline to provide you with evidence so you can claim for any inconvenience to your wallet from your insurer.

• If any of your possessions or money is stolen, make sure you report it to the local police immediately, as if you don’t report the incident within 24 hours your insurer will probably by reluctant to pay out. Ask the police for a letter to prove that you have actually reported it, which is essential for claiming back money for stolen goods

. • If your insurance provider rejects your claim, you can complain for free to the Financial Ombudsman.

Always remember to read the small print on your travel insurance policy. It is best to compare travel insurance online to see what each provider offers, which will help to find the best deal for you. Buying holiday insurance is as important as buying flights, so make sure you check that your policy holds everything that you might need for your trip.

young author

Rate this Article:

0 / 5 stars - 0 vote(s)

Re-Publish

Related Articles
Related Q&A

Article Source: http://www.articlesbase.com/travel-articles/how-to-make-a-successful-claim-on-your-travel-insurance-651915.html

Latest Travel Articles
More from Rachael Miller

The Top Five Beaches For Holidays in the Sun

By: Jane Wilkinson | 10/07/2009
If there's one thing that makes a family holiday then it's an excellent beach. Children can spend hours on a beach contently building sandcastles, whilst for hassled parents they are the perfect place to relax and get away from everything. Just don't forget the sunscreen: Red Island Beach, Croatia Croatia is a...

Cheap Airfare not a rodeo ride!

By: airtkt | 10/07/2009
Looking for cheap Airfares? You have landed in the right place. I will dispense some valuable advises for you to find Cheap Airfares.

Best Way to Find Cheap Airfare

By: airtkt | 10/07/2009
Searching direct cheap airfare is no myth. It is somewhat like putting together a jigsaw puzzle.

Songs of the Sea – Singapore’s amazing multi sensory visual experience

By: Pushpitha Wijesinghe | 10/07/2009
The Songs of the Sea is a not to be missed in Singapore, and is sure to capture your heart, whether you are young or old, with its entertaining and attention grabbing visual displays. The show features a colourful and vibrant show displayed on a 40 meter water screen that is complete with entertaining music, pyrotechnics, high powered water jets and exciting flame bursts.

The New Orchid Bar At Vallarta Botanical Gardens

By: Tim Longpre | 10/07/2009
This article focuses on the recent event that took place on the 28th of June 2009. The New Orchid Bar was launched, which is a great new hang out for all of the people in Puerto Vallarta. This bar is situated at the Vallarta Botanical Gardens.

Walking to the Tune of Classical Composers

By: Tony Maniscalco | 10/07/2009
The birthplace of opera, Italy is well known for its classical music. The piano and violin were invented in Italy, and the influence of Italian composers is notable, with their development of musical forms such as the symphony, concerto and sonata, establishing the foundation for centuries of musical development. The home...

South Carolina Bed and Breakfasts

By: John Slater | 10/07/2009
With spring right around the corner many families are beginning to plan their vacations and what better place to vacation than South Carolina. Rich history, sunshine, award-winning golf courses, numerous lakes and rivers, mountains, and the Atlantic coast give South Carolina its name for being one of the top vacation...

North Dakota, USA Is a Must Visit State

By: Devinder Patel | 10/07/2009
The land that is called North Dakota used to be inhabited by people who did farming and hunting for their livelihood. The horse came to this land in the 18th century, making hunting a little easier.

What Your Dog Is Saying To You

By: Rachael Miller | 25/02/2009 | Pets
Many dog owners proudly refer to their dog as ‘a member of the family’, but what many people forget is that their dog is not human. Dog owners can forget that their pet is an animal, and have that animal instinct imbedded in their DNA. Dogs can be natural hunters, yet also very sociable animals. This combination can confuse their owners as to why dogs do different things and why they react in certain ways. Being able to recognise features of their body language may help to strengthen your re

Doggy Actions Speak Louder Than Words

By: Rachael Miller | 25/02/2009 | Pets
Actions speak louder than words, which is why humans can tell what others are feeling by looking at other people’s gestures. This can be the same with dogs. Dog owners sometimes struggle with the fact that their dog is a part of their family, but at the same time isn’t human. By recognising certain gestures you will be closer to knowing how your dog is feeling, and be more aware of how your dog is likely to react. You can tell if your dog is relaxed, anxious, or is about to become aggressive

Which Broadband Is Best For You?

By: Rachael Miller | 24/02/2009 | Internet
The government is aiming to get broadband in every home in Britain within the next three years. For Broadband providers this is an exciting prospect, but means that their competitiveness must rise to keep on top of their market. There are countless companies offering broadband packages, and companies will continue to drop prices and offer free incentives to make sure customers choose them. Is this confusing the customer?

The Vw Camper

By: Rachael Miller | 24/02/2009 | Classics
VW Campers have become an iconic part of motor history. The first models went on sale in the early 1950’s, and since then people can’t seem to get enough of them. As well as being aesthetically appealing, these vans provide a perfect camping experience, with its large interior and comfortable living space. A VW camper can make your holiday, which is why it is such an iconic model today.

British Pets Eat Their Way Through Our Money

By: Rachael Miller | 18/02/2009 | Pets
According to a new study, a domestic pet can set you back around £31,000 pound during its lifetime. This will be majorly spent on veterinary bills, toys and food. What probably isn’t included in this figure is the amount of torn up money that thousands of people claim on their insurance for after their pet has eaten its way through a healthy amount of their owner’s cash.

Taking Care Of Your Dog

By: Rachael Miller | 17/02/2009 | Pets
Food Many dog owners worry about whether they are feeding their dogs the right foods, with many dog owners worrying whether their dog will get sufficient nutrients from either dried or canned food. Dogs need consistency when it comes to feeding- changing their food frequently may cause the dog to become fed up of what you put in front of him- dogs aren’t really animals which crave variety in this area. Whether you choose dry or canned food, you can’t go wrong. Dry food is packed with nutrient

Save Cash- Get Married

By: Rachael Miller | 13/02/2009 | Insurance
Most married individuals would be likely to admit that marriage brings more expense into their lives than when they were living as a single unit, which is understandable. When you are single, you only have yourself to look after. However, marriage can bring some savings. If both parties work, a mortgage will be split between two, as well as household bills and shopping, and you are far more likely to have more disposable income. Who would have thought that getting married would save you money on your car insurance?

Check Your Credit

By: Rachael Miller | 10/02/2009 | Loans
A spokesperson from a leading car insurance company has claimed that car insurance premiums are likely to increase by up to 20% by the end of the year. This is because car insurance claims are on the rise, not to mention the number of fraudulent claims increasing. For insurance companies to cover their costs, their only option is to increase their insurance prices. If you are thinking of modifying your car, be sure to be prepared for your premium to be increased even further.