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Halifax Travel Insurance
Halifax, otherwise known as HBOS, offers a range of travel insurance products to cover you wherever you're going and however long your trip.
The Halifax Multi Trip Insurance product is a cost effective cover if you travel to Europe or Worldwide more than once a year. It offers an automatic renewal facility to ensure you are never left without cover. No one trip must exceed 60 days in length.
Halifax Single Trip Insurance is for the occasional trip abroad or in the UK. The trip cannot exceed 185 days in length.
Finally, the Halifax World Explorer product gives up to 365 days cover for one individual going on a long trip.
Halifax holiday insurance includes benefits such as up to £5000 (this can be increased) of cover against cancellation of pre-booked travel and accommodation expenses. It will also cover the value of the portion of the travel arrangements which have not been used if you have to cut short your holiday and return home due to illness etc.
Summary
Halifax offers a range of travel insurance policies to cover you wherever you're going and however long your trip.
Their Multi Trip Insurance product is a cost effective cover if you travel to Europe or Worldwide more than once a year. It offers an automatic renewal facility to ensure you are never left without cover. No one trip must exceed 60 days in length.
Halifax Single Trip Insurance is for the occasional trip abroad or in the UK. The trip cannot exceed 185 days in length.
Finally, the World Explorer Quote gives up to 365 days' cover for one individual going on a long trip.
For more information visit the Halifax website below.
Halifax Travel Insurance
The Halifax Multi Trip Insurance product is a cost effective cover if you travel to Europe or Worldwide more than once a year. It offers an automatic renewal facility to ensure you are never left without cover. No one trip must exceed 60 days in length.
Halifax Single Trip Insurance is for the occasional trip abroad or in the UK. The trip cannot exceed 185 days in length.
Finally, the Halifax World Explorer product gives up to 365 days cover for one individual going on a long trip.
Halifax holiday insurance includes benefits such as up to £5000 (this can be increased) of cover against cancellation of pre-booked travel and accommodation expenses. It will also cover the value of the portion of the travel arrangements which have not been used if you have to cut short your holiday and return home due to illness etc.
Summary
Halifax offers a range of travel insurance policies to cover you wherever you're going and however long your trip.
Their Multi Trip Insurance product is a cost effective cover if you travel to Europe or Worldwide more than once a year. It offers an automatic renewal facility to ensure you are never left without cover. No one trip must exceed 60 days in length.
Halifax Single Trip Insurance is for the occasional trip abroad or in the UK. The trip cannot exceed 185 days in length.
Finally, the World Explorer Quote gives up to 365 days' cover for one individual going on a long trip.
For more information visit the Halifax website below.
Halifax Travel Insurance
posted by Barbara Gordon at 9:18 AM
Halifax Travel Insurance
2 Comments:
Don't let inadequate travel insurance cloud your holiday
January and February is traditionally the time of year when the post Christmas blues kick in and our attention turns to dreaming about foreign shores and organising our annual holiday.
However, in the excitement and anticipation of booking a trip, considering travel insurance cover requirements is often quite low down on holidaymaker?s priorities and deciding on exactly what cover to take out can be confusing.
Halifax General Insurance recommends checking what insurance you require early in your plans and making the necessary arrangements sooner rather than later, ensuring peace of mind before you even embark on your holiday.
With the birth of the low-cost airlines many people are taking more than one holiday in a year, so Halifax General Insurance suggests that a multi-trip policy can represent a cost saving, as well ensuring you are covered for that last minute break.
Howard Posner, Chief Executive Officer of Halifax General Insurance advises:
?It is easy to overlook insurance when you?re choosing and booking a holiday ? but if you leave it to the last minute or rush your decision you could regret it. We all hope that our holidays will go without a hitch, but the reality is that things can go wrong ? even before you leave. By taking out adequate, appropriate insurance as soon as you book your trip you can help ensure that, if the worst does happen, as little disruption and distress is caused as possible ? so you can hopefully enjoy your well-earned break.?
Halifax Travel Insurance Tips.
? Book your travel insurance as soon as you can after you have booked your holiday to safeguard you if the trip is cancelled or, in certain circumstances, if you are forced to cancel yourself.
? Personal belongings cover, which safeguards your baggage and holiday money against loss, theft and damage, commences from the minute you leave home to begin your holiday until you arrive at back at your home, so you will be covered during your journey to and from the airport or other means of transport to your final destination.
? Check that the policy limits for personal possessions claims are adequate to cover the value of the items you are taking with you ? limits for baggage cover can be as low as £500 with single article limits as low as £501.
? There are some common exclusions for personal belongings cover such as spectacles, bicycles and any items that are specifically listed on another policy. These will normally be covered under your household contents insurance but it may be worth checking.
? Consider taking out an annual policy that will cover you for all trips within the year so you don?t need to worry about forgetting to organise insurance for your summer holiday or any last minute weekend breaks.
? If you do have anything lost or stolen whilst on holiday, make sure that you obtain a report from the police ? this is a condition of many policies and claims are often not covered if a report has not been obtained, especially for valuables and cash.
? Take care of your possessions whilst you?re away ? your insurance cover may not apply if you have not exercised reasonable care. For instance if you leave your money unattended on the beach while you go swimming.
? Check what excesses apply to your personal belongings cover and whether this is applied per incident or per person or claims category (which could mean if a customer has a bag stolen containing two people?s possessions and money, four excesses could be applied). Unlike most travel insurers, Halifax Travel Insurance charges only one £50 excess per incident.
? Find out whether the policy will provide ?new-for-old? cover. The majority of travel insurance policies in the UK are written on an indemnity basis which means deductions are made for wear and tear. Halifax Travel Insurance will provide new-for-old cover where the customer has proof of purchase and the item is less than 2 years old.
HALIFAX TAKE YOUR MONEY BUT WON?T PAY OUT ON A FAIR CLAIM
I had a road cycle accident in Majorca in April 2007 and ended up in hospital with a broken rib, severe shock, bruising and lacerations. I really needed help from my insurers but they turned their back on me absolutely and entirely.
The Halifax just flatly refused to consider my claim for medical expenses and assistance.
Halifax argued that my cycling was not an ?incidental? part of my holiday and was therefore excluded by the section on page 13 of their Policy Booklet. This section is headed ?Hazardous Activities? and starts with the words ?We provide cover for most activities provided the activity is an incidental part of a normal trip?. The section then goes on to list twenty-nine activities as hazardous and therefore excluded from cover. Nowhere in this long list is road cycling [or, indeed, any form of cycling] mentioned. But when an attempt to register my claim was made Halifax just decided to include cycling in the ?Hazardous? category in that they said it was not an 'incidental' part of the holiday.
It seems to me that the Halifax uses a phrase that allows them to deny any claim they so choose.
Another cyclist involved in the same accident was insured with Direct Line. They met her claim without any argument.
Don?t bother with Halifax Insurance ? they really have no intention of acting with integrity or morality in their business. They just want to take your money.
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