by Debra Dando

Created on: October 30, 2008   Last Updated: November 04, 2008

As a travel consultant I continually remind clients that they need to take out adequate travel insurance to cover their proposed trip. They also need to read the policy thoroughly! Insurance companies usually offer a 14 day cooling off' period where, having read the policy, if you are not happy with the cover provided, a full refund of the premium can be obtained. The two main reasons, in my opinion, for taking out travel insurance are cancellation cover and medical cover. Imagine saving up for a holiday, paying out all that money and then suddenly becoming ill and unable to travel right at the last minute - for the sake of a having paid a relatively small premium, a claim for cancellation costs would get you most of your money back. Similarly, imagine needing hospital treatment whilst away, these costs can very quickly add up. Of course, repatriation costs are usually covered too, in more serious medical cases.

Travel delay, cash, passports & your luggage are also usually covered under travel insurance. If luggage is delayed on your outward journey or damaged, stolen, destroyed or lost, claims can be made.

Each insurance company is slightly different so please take time to read your policy & familiarise yourself with what is required should you have to make a claim.

Usually you have to report loss of luggage to the local police, carrier, hotel, accommodation management or tour representative within 24 hours. Written confirmation that you have done this will be needed by your insurers. Damage of luggage in transit must be reported to the carrier before you leave the baggage hall and a Property Irregularity Report (PIR) obtained. Original receipts, valuations or proof of payment are usually needed to support a claim, though insurers may pay out

a reduced compensation if you cannot provide these. Claims are not usually paid out on a replacement cost' basis; deductions are made for wear & tear. Most insurance companies will also need to know that you have taken reasonable precautions to secure the safety of your luggage whilst away - so please don't leave your suitcase on display in an unlocked car & do keep an eye on those bags whilst checking in or out of your accommodation! If your luggage is delayed more than 12 hours, you can usually make a claim for essential items though this doesn't mean a whole new wardrobe!

Usually you have to make a claim within a month of your return. If you bought your insurance through a conscientious salesperson, they will help you make your claim.

Don't forget, you also have passenger rights. Your carrier is responsible for getting you and baggage safely to your destination. Whether you have travelled by air, sea or land, your carrier should provide you with compensation, refund or alternative transport should their service be delayed or cancelled. Check their small print for details & don't be afraid to ask.

For peace of mind, please take out travel insurance when you travel.

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