Category: Travel Insurance

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How to Find the Best Travel Insurance in Ireland this Summer?

How to Find the Best Travel Insurance in Ireland this Summer?

 

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The Summer season is finally upon us! Do you have any trips planned for the coming months?

If not, it’s time to get planning. If you’ve already started to plan your trip, have you thought about travel insurance yet?

Travel insurance in Ireland can be quite complex to understand and many people will struggle to assess the major differences between different insurance providers and plans. With that in mind, here is a full breakdown of what travel insurance covers, the different types available, and how to select the best cheap travel insurance in Ireland this Summer.

What is travel insurance?

Travel insurance is an absolute essential when going on vacation. It is cover that will protect you should you run into any difficulties while abroad.

Insurance is like saving for a rainy day. Although it is not guaranteed that you will fall into difficulties while travelling, your travel insurance will be there to help you if you do. If you have no protection, you will be forced to fork out large amounts of unforeseen costs that you may not have budgeted for. This can lead to a lot of stress, especially if you cannot afford the cost of emergency assistance..

Moral of the story: it is always better to be safe than sorry. So be sure to organise travel insurance in Ireland in advance when planning for your upcoming trips.

What does travel insurance cover?

The main areas covered by a typical travel insurance policy are medical cover, trip cancellation, delayed flights, baggage loss, and even various accidents that could occur.

As a standard guide, the following should always be included in a good travel insurance policy:

* Cancellation of flights or trip;

* Sudden illness leading to trip cancellation;

* Natural disaster or political conflict at your destination threatening safety;

* Emergency evacuation or repatriation;

* 24/7 emergency services assistance;

* Financial protection if the company you are travelling or staying with goes bankrupt before or during your trip;

* Lost, damaged or stolen personal items such as jewellery, baggage, documents, certain electronics, etc.

It is important to look for a travel insurance policy that has a large medical expenses cover. Most good companies will offer protection up to the value of €100,000 for medical costs overseas. Ensure to look out for this as a minimum when searching for the best travel insurance available in Ireland for your holiday overseas.

Healthcare is too important of an issue to mess around with. It is also important to understand that healthcare in other countries may not be as cheap as it is at home, so you must take this all into account when searching for the best cheap travel insurance policy.

There are often options to add on other various types of protection as extras. For example, you will not be covered for accidents sustained due to participation in extreme sports such as skiing or

snowboarding as a standard. You will need to upgrade your travel insurance policy with an extreme sports add-on when inquiring about your travel insurance plan.

Is it safe to travel without travel insurance?

No, it is neither safe nor recommended to travel without travel insurance. The reasons for this are the following:

* You will have no protection whatsoever should your trip or flights be cancelled, other than certain support which may or may not be offered by your airline;

* If you need emergency medical aid you will need to pay the full bill upfront by yourself;

* If your most valued or important items have been stolen or lost, you will need to cover the costs of replacement alone.

Although you could take the risk of having no travel insurance policy, you must understand that you will have to fork out hefty fees to cover the cost of any incident that could potentially ruin your trip. The costs involved for replacement of personal goods or rebooking of flights could be extortionate.

What are the different types of travel insurance in Ireland?

The three key types of travel insurance in Ireland are single trip, multi trip and backpacking travel insurance.

Single trip travel insurance offers protection for just one trip abroad. It can be designed specifically with this trip’s requirements in mind, so can offer flexibility in terms of add-ons. However, it works out much cheaper to opt for a multi trip travel insurance policy if you travel more regularly than once or twice per year. An annual insurance policy will cover you for all trips made within the year and ends up saving you a lot of money if you are an avid traveller.

Lastly, backpacker travel insurance Ireland will cover you for trips abroad for periods of over 3 months, and can extend up to a maximum of 2 years. This type of travel insurance is specifically for people going to travel the world for a longer period of time. However, if you are looking to move permanently to another country you will need to seek different insurance from a provider in the local area.

How do I find cheap travel insurance?

There are many different travel insurance providers on the Irish market. This makes it quite confusing when trying to find the best travel insurance in Ireland. Some of the most popular travel insurance providers in Ireland include AA, Ace, Allianz, Bank of Ireland and Aviva travel insurance.

Depending on which travel insurance provider you select, you can expect to pay approximately between 4% and 10% of your total pre-paid trip costs on a travel insurance plan. As you can see, this represents only a fraction of the total cost of your vacation but may prove to save you potentially thousands of Euro should you need to make a claim.

As prices and plans can vary so much, it is a good idea to use an inclusive comparison tool such as the one offered by Ucompare. By using Ucompare, you can easily find the best price available on cheap travel insurance across the various insurance providers in Ireland. This allows you to clearly compare the different policies and prices in order for you to make the most informed decision possible.

Compare travel insurance in Ireland today at Ucompare.ie and see how much money and time you can save.

Travel safely with peace of mind this Summer with the help of Ucompare.

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Travel Insurance for Schengen Visa

Travel Insurance for Schengen Visa

The Schengen Visa is a great way for non-EU citizens to discover the many diverse cultures and climates of Europe. It is generally the easiest way to secure a visa that allows you to travel throughout nearly all countries in Europe freely and without any hassle between borders.

If you’ve ever considered applying for such a Visa and feel that you require some extra information and advice about the process of getting your Schengen Visa, read on!

Background

The Schengen Area began in 1985 when some European countries decided to abolish their internal border controls with surrounding countries. It allows for free movement of people and goods between such countries. This paved the way for a better travel experience for both Europeans and non-Europeans.

By obtaining the Schengen Visa, you can obtain only one visa which will cover you for your travel or backpacking holiday across Europe. For non-EU natives, this provides an excellent opportunity as you no longer need to worry about obtaining multiple different visas for your European trip.

Thanks to the Schengen Visa, if one of the Schengen countries grants you entry to the Schengen Area, there will be no further formalities at its borders with order Schengen Area Member States. Therefore, you need to only apply once for this Visa which will allow you to easily travel to multiple countries across Europe.

For information on the different types of Schengen Visas available, click here.

 Countries in the Schengen Area

The Schengen Area countries cover nearly all of Europe. It covers you for travel in Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Not all of the above counties participate in the EU, so do bear in mind that the Euro currency may not be applicable to all of the countries that you may visit. For example in Iceland, Norway and Switzerland you will need to use their national currencies instead. But, the Schengen Area offers the advantage that nearly all participating countries use the Euro which can save you a lot of hassle and money involved in exchanging your currency to the local currency in each different country.

Note: There are some parts of Europe not participating in the Schengen Area. These countries are Bulgaria, Croatia, Cyprus, Ireland, Romania and the United Kingdom. This means that you will need to obtain visas for these countries separately if you wish to travel to one of them.

If you have obtained a separate Visa for the UK, you may be able to travel to and from Ireland with that visa if you meet certain requirement which you can examine here.

Travel Insurance for Schengen Visa Requirements

 Did you know that people from outside of the EU cannot travel to the Schengen area without having travel insurance?

For those from within the EU, this is not an obligatory requirement. But, if you come from anywhere else in the world outside of the EU, you must ensure that you have travel insurance for your trip to the Schengen Area in order to gain entry to the zone.

After spending quite a lot of money having arranged your Schengen Visa and flights to Europe, make sure you are not caught out at the external border control where you could be denied entry if you do not have travel insurance for your trip.

In order to meet the Schengen Visa Insurance Requirements, your travel insurance policy must have a minimum medical insurance cover of €30,000. The policy must also cover emergency medical evacuation and repatriation costs in the case of death. These requirements are important to note as if you opt for a substandard travel insurance policy, you will not be permitted to enter the Schengen Area.

Below is an extract from the Regulation (EC) No. 810/2009 of the European Parliament and of the Council of 13 July 2009, which entered into effect on 5th of April 2010:

Applicants for a uniform visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Member States.

The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30,000”

Schengen Visa Travel Insurance Exclusions

 As with any travel insurance cover, there are some main exclusions from a common Schengen travel insurance policy. The main ones to bear in mind are pre-existing health conditions, high-risk sports (such as skiing or scuba diving), and travel to high-risk countries that may be experiencing war or natural disaster at the time.

If you want to take out travel insurance cover for the above, you may need to add on cover for these situations separately as they are generally not covered by Schengen Area travel insurance.

Finding the best Schengen Visa Insurance

If you are unsure about where to find the right Schengen travel insurance policy for you, look no further. With the Ucompare comparison tool, you can find the cheapest travel insurance for Schengen Visa trips in Europe. Ucompare offers only high-quality and cheap Schengen travel insurance policies which comply with the minimum requirements as stated above.

If you’ve always wished of traveling around Europe, why wait any longer? Let Ucompare assist you in finding the cheapest travel insurance for Schengen Visa requirements.

Start the process of getting your Schengen Visa and discovering all that Europe has to offer. And, don’t forget to purchase your travel insurance policy before you go!

Get Quotes Now!

 

8 Simple Steps: How to Choose Life Insurance

8 Simple Steps: How to Choose Life Insurance

8 Simple Steps: How to Choose Life Insurance

When searching for a life insurance plan, you may become puzzled by all the different types of life insurance available to you on the market. Here we gather all the essential information you need in order to choose life insurance that suits you and your family best!

Step 1: Understand what life insurance is

Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a lump sum in exchange for a premium upon the death of the insured person. Depending on the contract, terminal or critical illnesses may also trigger the payment.

The policy holder pays a premium, either on a regular basis or as one lump sum. Other expenses such as funeral costs can also be included in the benefits.

Life insurance contracts fall into two categories; protection policies and investment policies.

Protection policies are designed to provide a benefit (lump sum payment) in the event of a specified occurrence such as death. This is the most common type of life insurance in Europe.

Investment policies, in contrast, assist with the growth of capital of the insured person as they can choose to invest their money in various funds. These are most common in the USA and the types of policies available are whole life, variable life and universal life cover.

Step 2: Decide if you need life insurance

If you are over 18 with a steady income, a mortgage or children, than you definitely need to consider life insurance. If you do not earn a significant percentage of your family’s income, then you may not need life insurance.

It is mainly parents and those with significant income or mortgages who need to choose life insurance. This will offer essential protection for your children or other family members should you become seriously ill or pass away.

Step 3: Become familiar with the life insurance providers in Ireland

There are 6 main life insurance providers in Ireland:

* Irish Life;

* New Ireland;

* Aviva;

* Friends First;

* Zurich Life;

* Royal London.

At first, all of the companies may seem to be very similar in terms of their offerings. But there are some key differences that you should be aware of before you choose life insurance and the provider. For example Aviva has a maximum age limit of 84 for the expiry of life insurance, while with Friends First and New Ireland the maximum age limit for expiry is 64.

It can be quite tiresome and difficult to understand the real differences between each provider, and even more complex to choose life insurance that offers the best protection for the best price. This is why many people will contact an insurance broker, bank or other Third Party to assist them in finding the best policy.

Step 4: Select who to help you choose life insurance

There are many different providers of life insurance available in Ireland. These include:

* Insurance brokers;

* Life insurance brokers;

* Banks.

Depending on who you turn to for help when you need to choose life insurance, you could receive varying advice, information and prices as a result. It is important to understand the positions of each agent, so that you know what they are trying to achieve.

An insurance broker will try to sell you the life insurance that their company offers, and will not consider alternative options for you. They may try to overcharge you if you are already a customer of theirs and they believe that you will be easily convinced.

By going through an independent life insurance broker, you can receive an unbiased opinion on which life insurance policy is best suited to you. They can find the best deals available to you and ultimately save you money and time spent searching for the best value.

The banks in Ireland can only sell you policies from one insurer. If you go to Bank of Ireland, they will sell you their own life insurance policy, while other Irish banks will sell you a policy from Irish Life.

Ultimately, it is always better to consider all options in order to choose life insurance that is superior in quality and cheaper in cost. Therefore, Third Party assistance can be hugely advantageous.

Step 5: Calculate how much life insurance you need

You may choose to use an online life insurance calculator tool that can effectively estimate the value of life insurance that you require. Or, alternatively, you may ask an insurance broker or bank to help you more precisely calculate how much life insurance cover you need.

In general, the rule of thumb is to find a policy that is worth 5-10 times your annual salary. However, this will vary depending on how much debt you have or how many dependents you have.

Be careful to not accept a level of cover that is unnecessarily high. Shop around and seek advice from more than one source in order to figure out what is most realistic for you. An informed shopper is a wise shopper!

Step 6: Choose a life insurance plan that suits you

The main policies are life insurance, mortgage protection and income protection. Within the life insurance category, there are different types including whole life cover, variable life cover and universal life cover.

Life insurance ensures that your financial dependents will receive income if you pass away in order to replace your income. This is absolutely essentially for working parents with children under 18 especially. Although it is a horrible thought, tragedies can happen and so we must prepare for the worst but hope for the best.

Life insurance protection policies are seen as a very safe way to protect the money you wish to provide to your dependents after death or serious illness. However, you may be interested in the alternative that is a life insurance investment policy.

Here are some quick descriptions on the different types of life insurance investment policies to keep in mind when you choose life insurance:

Whole life insurance offers both a death benefit and cash value in the case of death. It is the most comprehensive and expensive type of life insurance. In traditional whole life insurance policies, premiums remain the same until you’ve paid off the policy. High commission levels and fees from the insurance broker mean that a lot of the money you pay goes directly to the insurance agent. Therefore it is important to be aware of this if choosing a whole life insurance policy.

Variable life insurance is a form of permanent life insurance that builds up a cash reserve that you can invest in any of the choices offered by your insurance company. Hence, the value of your life insurance fund may go up or down depending on how these investments are doing.

A universal life insurance policy is a different kind of permanent life insurance that uses part of your accumulated earnings to cover some of the premium costs. You may also choose to vary the amount of the death benefit. As it offers extra flexibility, there will be some higher fees than with variable life insurance.

Experts often recommend that those under 40 years old, without a family disposition for a critical illness, should choose a term insurance policy that offers a death benefit only. However, you can choose to add on different cash values or conditions as you require.

Mortgage protection is another basic cover that everyone with a mortgage must have. It means that your mortgage will be cleared if you die, avoiding huge masses of debt being placed on your family should you not be protected.

Income protection is similarly as important. If you become ill and cannot work, you will receive 75% of your income for a number of weeks out of work. This usually covers you for any illness and is definitely something to insure is included in your cover.

Ideally you will be covered with life insurance, mortgage protection and income protection. It’s up to you, but wouldn’t you rather have total peace of mind should something terrible happen to you or your loved ones? Such insurance protection will guarantee that you will have the financial support you need whatever happens. This is why it is important to choose life insurance that is comprehensive and complete.

Although you may choose to save money on other areas of your life, life insurance is definitely not one of the areas that it is okay to skimp on. However, there is a difference between spending a lot of money on life insurance and having high quality life insurance. See below regarding insurance discounts to see more.

Step 7: Other factors to bear in mind

Health issues

When you first receive your quotes, these quotes will have assumed that you are in perfect health. If you have or have previously had any health conditions, you are obliged to disclose these to the life insurance provider.

Although having health conditions will increase your life insurance quotes, you will find yourself stuck later on if you were not honest to your life insurance provider. Therefore, honesty is essential from the very start when looking to choose life insurance that will support you in the long run.

Discounts

Keep an eye or ear out for any new discounts available on the market. The smaller life insurance providers in particular are prone to advertising offers and discounts in order to compete with the bigger, more dominant providers.

These discounts can be a great way of saving money on your life insurance policy, without reducing the quality of your policy.

Step 8: Choose life insurance with Ucompare

Ucompare is an unbiased insurance provider offering travel insurance, car insurance, and now life insurance policies. Ucompare is an insurance comparison tool that searches the market in order to find the best quotes for you and your family.

As Ucompare considers the best value life insurance policies available especially for you, you can be sure to save time and money in your search to choose life insurance that will keep your mind at ease.

Try our life insurance comparison tool here and see how much money you can save. Get quotes now!

 

Top 7 Romantic Getaways in Europe For Valentine’s Day

Top 7 Romantic Getaways in Europe For Valentine’s Day

The month of love is upon us and there are only a few days to go until we celebrate the wonders of Valentine’s Day with that special someone closest to our heart. For the month that’s in it, there’s no better time to have a look at some potential romantic getaways for you and your partner

Many of us struggle to decide what to buy our other half as a gift. A night or weekend trip away always goes down a treat. With that in mind, we have composed a list of the top 7 most romantic destinations in Europe to celebrate in style and romance this Valentine’s Day!

Top 7 Romantic Getaways in Europe for Valentine’s Day

 

1. Venice, Italy

 

Romantic Getaways In europe
Venice, Italy

The Floating City offers incredible magic that makes Venice one of the best destinations in the world for romantic getaways for couples.

A gondola ride is one of the most romantic experiences, allowing you to enjoy your European city break on the water. You can opt for shared or private gondolas, and can also arrange to have dinner by candlelight on the gondola. Check out Tête-à-tête in Venice for an unforgettable evening with your special someone.

For an extra special evening, dine at the Galleon which offers spectacular views. For the night that’s in it, there will be a special menu created just for Valentine’s Day celebrations for only €100 per person.

The Sunset Tour Boat offers a unique evening allowing you to soak in the natural beauty of Venice. It is also possible to book a private boat to view the sunset for an intimate evening with your partner.

A truly unique experience would be a private lesson in Venetian rowing combined with a wine and food tasting. This day out allows you to work on your rowing skills while floating around the Cannaregio district and then enjoy wine and traditional foods afterwards.

2. Paris, France

 

Romantic Getaway
Eiffel Tower, Paris, France

Paris, the City of Light, is without a doubt the most clichéd destination for a Valentine’s Day trip away. However, we think it certainly lives up to expectations. There are some truly magical moments to be had with your loved one in the capital of France. It is best to book ahead for your trip to Paris as it is such a popular destination for couples in February.

For a lavish meal with the best view of Paris, celebrate Valentine’s Day at the 58 Tour Eiffel Restaurant with prices from €150.

For a romantic meal with a background of live jazz music, check out Café Louise at Saint Germain des Prés in the heart of Paris. From €65 each, this is a traditional Parisian night not to be missed.

If you have never been to the Moulin Rouge, there is no better time to visit than February 14th. An evening of surprises and high-class entertainment awaits you from €220 per person.

3. Bruges, Belgium

 

Romantic Getaway
Bruges, Belgium

Bruges is a fantastic destination for couples who love to eat delicious Belgian chocolate and stroll along the magical canals. Although smaller than the capital, Brussels, Bruges is often more popular amongst tourists as it offers such an intimate and unique setting for your Valentine’s Day.

Pop in to the Bruges chocolate museum for only €7 per person, or take a horse carriage tour for a 30-minute visit from Market Square through the city for €36 per carriage.

For an extra romantic spot, try the Lake of Love and Lovers’ Bridge.

4. Vienna, Austria

 

Romantic Getaway
Vienna, Austria

Vienna is renowned for its music, art, coffee and sachertorte, a luxurious chocolate cake. It is also known as a magical destination for lovers in February.

Take a horse-drawn carriage ride along the cobblestones while surrounded by majestic buildings. Then, take a visit to the breath-taking Schönbrunn Palace and Gardens. Tickets can be purchased from as little as €3.80, with options to visit just the gardens or both the palace and gardens.

For a more active activity, hit the ice rink at Vienna City Hall, Rathaus, which is transformed each Winter into an ice-skating rink and an outdoor market. Open until 10pm daily, this is a romantic destination not to be missed.

5. Rome, Italy

 

Romantic Getaway
Trevi Fountain, Rome, Italy

Apart from the divine food and wine on hand, Rome offers something incredible for all the senses. It is one of the most culturally rich destinations to visit in the world.

Make an eternal love wish at the Trevi Fountain or at the Ponte Milvio bridge. Ponte Milvio is where you can lock a padlock of your love to one of the lampposts on the bridge and then throw the key into the Tiber river below.

For a starry Valentine’s Day celebration, try the Astronomic Observatory of Rome which hosts an evening of entertainment for couples and an exploration through the constellations.

On a side note for any singles: February 15th is the celebration of San Faustino, the patron of singles in Italy when the parties are not to be missed.

6. Santorini, Greece

 

Romantic Getaway
Santorini, Greece

Santorini is certain to offer spectacular views, incredible sunsets and a breath-taking landscape, providing a fairy-tale backdrop for your Valentine’s Day. Renowned for its beautiful architecture and hilly narrow streets, Santorini is one of the most romantic and unique destinations in Europe.

While in Summer Santorini can be jam-packed with tourists, February offers a much calmer experience and a feeling of privacy and intimacy to make your Valentine’s even more special. While unfortunately February cannot offer the heat of a Summer trip to Santorini, average temperatures fall around 14-16°C which can be a nice setting to escape the harsh Winter weather in Ireland.

If you are not too familiar with Santorini, check out these incredible photographs of this stunning location.

7. Amsterdam, Netherlands

 

Romantic Getaway
Amsterdam, Netherlands

Amsterdam is one of the most popular cities in the world for a romantic getaway. With miles and miles of canals, lit-up bridges and swans everywhere to be seen, it offers a special intimate atmosphere and perfect setting for your Valentine’s Day. With lots of attractions to see and activities do all within walking distance of each other, it offers the perfect opportunity to stroll romantically for days upon end.

Amsterdam offers a huge selection of famous museums, such as that of Van Gogh, which is a lovely way to spend a February afternoon with your other half.

For something extra special, enjoy cheap cruises around the canals. Lovers Canal Cruises offers a selection of options for couples to enjoy this February.

Feeling the love yet?

Hopefully you are now feeling inspired about what gift to get your better half this Valentine’s Day. Weekend getaways and romantic breaks in Europe are both special and affordable. With so many top quality romantic destinations above, there is something for all tastes.

If you need any more help organising your European city break, have a read of our website to see how having travel insurance can improve your enjoyment of your travels. Not only can it save you money, but it gives you peace of mind knowing that you are covered wherever you are in Europe.

Try our comparison tool today to find the best value travel insurance for you and your partner.

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Single trip vs. Annual travel insurance: Which is best?

Single trip vs. Annual travel insurance: Which is best?

Are you looking for the best value travel insurance on the market but are confused by all of the different types and what they mean?

A major part of the decision process when choosing travel insurance is selecting either a single trip or an annual travel insurance policy. It is important to make the right decision between these two main options based on your own situation and travel requirements. If you make the right choice, you stand to make quite a large saving and instead can use the extra money saved for enjoying your trips abroad instead!

When deciding which type to go for, a good idea would be to firstly check out what your travel insurance policy will cover you for, whether it be single trip or annual cover. Click here for more information on what to look out for when selecting your travel policy.

Let’s take a closer look at each travel insurance type, the benefits and some drawbacks of each:

Single Trip Travel Insurance

 

Best Value Travel Insurance

Benefits

A single trip travel policy is much cheaper than an annual policy. There is also often a higher maximum age limit than with other policies.

Single trip insurance offers you the huge advantage of specific cover tailored to your travel needs for a specific trip. For example, you could plan it specifically for a ski trip and ensure you are fully covered for anything that could happen on the slopes.

In order to select a once-off travel insurance policy, you must provide details of your country of destination, your exact arrival and departure dates.

If you usually only go abroad for one short holiday per year, than single trip insurance is definitely best for you.

Drawbacks

A single trip policy only covers you for one particular trip and nothing more beyond that.

If your plans change along the way, you may be somewhat restrained if you need to then alter your policy cover. In this regard, multi-trip cover is more advantageous as it can cover all of Europe or you can even opt for worldwide cover.

If you travel more than twice per year, you could make big savings by opting instead for an annual insurance policy.

Annual Multi Trip Travel Insurance

 

Best Value Travel Insurance

Benefits

Also known as annual or yearly travel insurance, this type of travel insurance policy will cover you for many different trips abroad over a 12-month period. Opting for this type of cover can save you a lot of time and hassle as opposed to searching for single trip cover each time.

Another advantage to this policy type are that it can work out much cheaper per trip if you travel more than two or three times per year. You can choose broad geographical coverage for all of your trips in one policy (select Europe only, worldwide with USA, or worldwide without USA). You will usually have up to 31 days per trip covered.

If you are looking to travel the world this year and may be abroad for more than one full month at a time, there is a different policy type, backpacker cover (discussed below) which can cover beyond the 31-day general maximum period.

Year-long travel insurance also allows you to plan trips at short notice, allowing you to take full advantage of special deals on flights last minute! Policies can also be quite flexible, in that you may choose to upgrade your policy to a larger geographical coverage or to include extreme sport cover, for example.

Overall, annual travel cover is definitely a great cost-saving tool for the frequent traveller offering an array of flexible options throughout your various journeys.

Drawbacks

As a multi-trip policy provides more general cover for all trips in one policy package, you may miss out on cover more specific to your trip requirements, such as a Winter sports add-on to your annual policy. However, you can often add this on later as an upgrade.

Another disadvantage could be that if you don’t end up travelling as much as you intended to in the year, you may actually lose money by having only traveled once or twice in comparison to purchasing single trip cover instead each time you venture abroad.

You may need to examine your financial position in order plan ahead to see how many trips you will be able to afford this year to help you in this decision process. The more you plan ahead, the more likely it is that you can make savings.

Take a moment to compare the premium prices between single and multi-trip policies. Premiums can be slightly higher for annual cover with certain providers, and conditions may also apply to the number of trips that can be taken within the same year.

Backpacker Travel Insurance

 

Best Value Travel Insurance

Benefits

If annual cover sounds like the better option for you but you are planning to travel for a longer period of time, backpacker insurance is the solution! Backpacker insurance covers you for periods of up to 24-months and can offer you huge flexibility in terms of geographical cover.

Also known as extended stay travel insurance, this type is absolutely essential if you are leaving Ireland for more than 3 months to travel abroad. It offers you all the same advantages of a multi trip policy, except offers you cover for much longer periods of time. It is an essential for any extreme travel bug or adventure seeker.

Drawbacks

This one is quite straightforward: If your trip will last less than one month, than you do not require extended backpacker cover.

Using the Ucompare.ie comparison tool, you may search for all three types of insurance policies and find the one that caters most to your needs with ease.

Which is best for me?

As you can see, the decision here about which policy type is better for you really depends on your own travel plans, the duration of your trips and the regularity of your trips.

  • If you are a keen regular traveller, annual cover is a must.
  • If you are unsure and will be unlikely to travel much this year, then it might be safer to stick to a single-trip policy catered to your specific trip needs.
  • If you will be travelling for more than one month at a time, backpacker travel insurance has you covered.

If you are still unsure about which policy would be best for you, try using the Ucompare insurance policy search tool which can help you to quickly find the best travel insurance in Ireland.

Get Quotes here

What Should A Travel Insurance Policy Include?

What Should A Travel Insurance Policy Include?

When purchasing travel insurance policy for the first time, it can be tricky to know what should be included to make it a good policy. This article will guide you through what to look out for as a base. If you are looking to upgrade your current travel insurance policy, knowing what should be included already can also help you figure out if you are getting good value on your insurance or if you may need to switch insurance provider or policy.

Here are the key aspects which should be included in your travel insurance policy: 

1. Trip Cancellations

Trip cancellation cover is hugely important for travelers as a cancelled holiday can result in a huge loss of money. It is not only flight cancellation insurance or missed flight insurance that should be included; Cruise fares, hotel rooms, boat rentals and tour packages should also be covered. 

Oftentimes, travelers must pay for these expenses long in advance and the fees are non-refundable. Airline travel insurance is often inadequate and most airlines will try to find a reason to not reimburse you for your expenses. Without travel insurance, you are at risk of losing all of the money which you have already invested into your trip even if it cannot go ahead. 

This is where trip cancellation insurance can help. With this included in your travel insurance policy, you can be reimbursed for all of your prepaid and non-refundable expenses if the trip cannot proceed. 

Each insurance company provides a list of acceptable cancellation reasons which will be accepted if you make a claim. Here are the main covered reasons which should be included in your travel insurance: 

  • Sickness, injury or death of yourself, a family member or a travelling partner (the most claimed reason); 
  • Extreme weather conditions at your destination forcing flight cancellations; 
  • Unexpected redundancy from work or obligation to work; 
  • Obligation to carry out jury duty in court; 
  • Bankruptcy of your travel provider; 
  • Terrorist incident at your travel destination. 

Of course, your insurance provider may cover far more than the situations above. As you can see, there is a plethora of different reasons for a trip having to be cancelled and, as such, it is extremely useful to have trip cancellation coverage. 

Trip interruption insurance is similar to trip cancellation insurance, but instead will cover you for the same issues as the list above but while on your trip. Sometimes unfortunate situations can occur when abroad and can be very stressful. If something happens that requires you to interrupt your trip and return home early, your insurer can reimburse you for the lost expenses from the remainder of your trip as well as any additional expenses required such as a last-minute flight booking. 

It is absolutely essential that trip cancellation and interruption cover are included in your travel insurance policy. 

 2. Lost/Delayed Arrival of Baggage and Delayed Flights 

 Delays occur quite commonly while travelling, whether it is a flight that is delayed or the arrival of your bags at your destination. These delays are unexpected and usually not too inconvenient, however if you are taking another mode of transport or a connecting flight at your destination you could be in trouble. 

By ensuring that you are covered for flight and baggage delays in your travel insurance, you can be reimbursed for any lost expenses or extra costs which are incurred as a result of these delays. 

If you need to make a flight delay insurance claim, your insurer will provide you with reimbursements for additional expenses such as an extra night in a hotel or your meals until your delayed flight can proceed. Flight insurance is very important and should definitely be included in your travel insurance cover, as the value of your flights can often be a large part of your overall trip expenses. 

Luggage insurance is another essential to have. In the unfortunate event that your luggage is lost, stolen or damaged, you can be reimbursed up to the total value of your personal belongings affected, while baggage delay coverage will provide you with enough money to buy all your essential items needed until your bags arrive. 

 3. Medical Expenses

Medical expense coverage is an absolute essential for your travel insurance. Depending on your country of destination, travel expenses incurred while travelling can be far higher than at home and can cause quite a lot of stress if you run up a large medical bill. Travel accident insurance protects you for such a situation and will insure reimbursement for medical expenses during your trip. 

Having overseas travel medical insurance becomes vital if you become ill while abroad or require any emergency treatment or care. Such circumstances are generally unforeseen and so having foreign travel health insurance is a must.  

The key point to be aware of here is that you must inform your insurance provider about any pre-existing medical conditions that you have in order for a medical claim to be approved. It is not worth taking any risk; be fully honest with your insurer regarding any health conditions and avoid being caught later if they do not accept your claim. 

 4. Emergency Evacuations

Emergency evacuation expenses can be extortionate. Having cover for this would be particularly crucial if you have a severe accident while abroad and require an airlift or medical assistance on your flight home. 

While this is not the most common of events to occur, it is good to have peace of mind by ensuring you would be covered in such circumstances just in case. 

 5. 24/7 Phone Assistance Services 

Most travel insurance providers offer 24/7 contact services which you can use if you have any emergency while abroad and need to ask for assistance. This service can be extremely useful if you are unsure of what to do in case of an emergency.  

If you have just lost your passport mid-trip or your bag has been stolen, having this number to call immediately will allow you to access the information you require regarding what you will be covered for and what to do next. It is very helpful having this guidance available if needed while abroad. 

Other reasons why you might need to contact your insurer 24/7 might be to locate the nearest hospital, arrange transportation home, access emergency interpretation assistance or get help regarding lost or stolen baggage. 

Travel Insurance Extras 

Some other useful extras for your travel insurance policy include life insurance, extreme sport insurance, or rental car cover. While these are not viewed so much as essentials to be included in your policy, they can be a good idea depending on your plans for your trip and what activities you may participate in while abroad. If you are going skiing, for example, having Winter sports cover would be a must for you. 

Make sure to have sufficient travel insurance that includes everything that you may need while abroad as well as all of the essentials discussed above.  

If you need help in finding the right travel insurance policy for your next trip, let Ucompare.ie help you in your search. We make sure that you get the best insurance cover at the best price on the market using a fast and easy-to-use tool. 

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How to Beat Post-Travel Depression

How to Beat Post-Travel Depression

If you have been on holiday recently and find yourself back at work suffering from the post vacation depression, it is possible to combat symptoms of post-holiday depression and fatigue.

After enjoying a trip abroad or some time off from work, it is common for people to find themselves feeling quite drained and oppressed. Particularly in January, people tend to feel more down due to the short Winter days and the post-Christmas financial strain. This can all quickly accumulate into feelings of depression when we go back to work after holidays.

If you too are experiencing post-vacation depression syndrome, check out our top tips below.

Tips To Combat Post Vacation Depression

 

1. Focus on rest and nutrition

If you are facing jet lag, it is a good idea to try and switch your body clock to that of your final destination as soon as you can. Try to sleep for most of your flight back home and then focus on hitting 8 full hours of sleep a night as soon as you return home even if your body feels out of sync.

When we are busy exploring a new city, we can often walk much more than a regular day at home, particularly if our jobs are sedentary by nature. Try to compensate for all the extra movement by getting some extra sleep each night and a lie-in at the weekend if possible.

Post Vacation depression

It may seem like extra caffeine is the quick and easy solution, but the power of good rest and real nutrition is far superior. Focus on getting a balanced diet back on track with plenty of fruit and vegetables to naturally fuel the body and aid the recovery process.

If you suffered from any illness while abroad, you may be struggling with a loss of appetite post-vacation. Try to settle back into your normal dietary routine while drinking at least 2 litres of water per day. If the symptoms persist, visit your GP.

2. Get active

 After a period of travelling, you may have discovered that your fitness was not up to scratch if you found yourself out of breath while walking or unable to keep up with your travel activities. By taking up a new sport you may have tried while on holiday or by joining a gym, you can ensure that you’ll be in better shape to enjoy your next holiday away and also shake off any feelings of post-holiday blues.

Post Vacation depression

Exercise is the best way to combat feelings of depression as it releases serotonin and endorphins and increases growth hormone in our bodies which contribute to good positive mental health. Find whatever type of activity that you enjoy and aim to exercise for at least 3 30-minute sessions per week, building this up slightly over time to fight off any post-travel depression symptoms.

3. Explore your own country more

 Unfortunately, we often find ourselves living somewhere that we have barely explored. We find ourselves playing the tourist role well while abroad but fail to do so sufficiently in our own countries. By enjoying our own country to the fullest, we can ensure that every week includes a mini-holiday!

Ireland is a beautiful country offering endless sights of natural beauty nationwide (even if the weather is not always perfect). Nearly all of these destinations are free, or include just a small entrance fee. Day trips are cheaper than you think, and can be made even cheaper by bringing a packed lunch and bottled water with you on your journey.

Post Vacation Depression

If you don’t own a car, most of the best sights can be easily reached via public transport from Dublin. Better still, if you do have your own car, make the most of your days off work and get exploring! The AA Route Planner tool offers excellent and reliable instructions for getting to any destination of your choice around Ireland.

Here are our top picks for day trip destinations in Ireland:

  1. Cliffs of Moher
  2. Blarney Castle
  3. Glendalough
  4. Giant’s Causeway
  5. Killarney National Park
  6. Skellig Michael
  7. Hook Peninsula
  8. The Burren
  9. Fota Wildlife Park
  10. Titanic Belfast

 4. Commit yourself to a challenge

 Whether you have goals of running a marathon, buying a car or travelling more this year, by setting at least one big goal for the coming months, you can motivate yourself when suffering from post-vacation depression.

Post Vacation Depression

While travelling, it is easy to feel constantly inspired as we explore unknown environments and new cultures. However after we return home, falling back into the 9-5 routine can quickly become quite uninspiring. To combat this, we can open ourselves to new things like learning how to cook new foods, studying a new language, picking up a new musical instrument, or any sort of new hobby.

Setting ourselves new challenges keeps us motivated and moving towards our goals. If you find yourself feeling depressed after vacation, think of what has inspired you over the past year when travelling and think of how you can incorporate this into your daily life or your weekly routine.

5. Get inspired for your next vacation

Although your budget may be tight for the next while after Christmas, it is never too early to start planning for your next holiday. Inspire yourself with travel blogs such as Audley, Nomadic Matt and Adventurous Kate for ideas.

Post Vacation depression

You could even write a “to visit” list to motivate you to save up for your next holiday. Living in Europe, we have the pleasure of many cheap flight deals which can make your next trip away extremely low cost and sooner than you think. Make the most of weekends off work or any 2-3 day period you have off and search Skyscanner to see what bargains are available.

If you experienced any problems while abroad and weren’t covered by travel insurance, now is the time to explore the many benefits of having travel cover for your next trip. Ucompare.ie can help you in this task by searching for the best policies and prices on the market.

6. Stay positive

Even when suffering from post-travel depression, we can gain many benefits in the recovery process by learning how to enjoy our lives more and follow our passions. If you find what you truly love while on vacation and simply cannot cope with returning to your old lifestyle, now is the time to take action and make a positive change.

Post Vacation depression

Post-vacation depression can motivate us to learn more, explore more, and push ourselves more. It motivates us to save up in order to travel again, and can lead us to re-evaluating our lives and appreciate more of the things we normally took for granted.

Next time you jet off, ensure that you are effectively covered with the best travel insurance with some help from Ucompare.ie.

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Family Vacation Tips for Travelling with Children

Family Vacation Tips for Travelling with Children

Are you a new parent or planning to travel with kids abroad for the first time? Travelling with the whole family can be an exciting time but requires some planning and organisation. To help, we have gathered some top tips for holidays with toddlers so you can be guaranteed a smooth-sailing trip to remember!

Travel with kids

Are they old enough to travel?

The first decision to be made is whether or not your child or children are old enough to travel abroad. In general, it is recommended to stay closer to home for the first 8 months of a baby’s life. Between regular feedings and nappy changes, travelling with an infant can be a challenge. However, most airlines will allow babies as young as either one or two weeks old to travel on board.

If your baby was born prematurely you must wait until their initial due-date has passed, and if the baby was conceived by caesarean section you need to wait until after your check-up appointments before getting the green light.

If you are in any way unsure, it is a good idea to consult your travel plans with your GP and airline just in case.

What to bring

If this will be your first vacation with infants, you may worry about having enough supplies in your suitcase. If you are tight on space or weight, it could be a good idea to buy certain supplies at the other end in a local supermarket or pharmacy. Either way, the main thing to do is prepare and plan in advance.

travel with kids

Some essentials to bring are:

  • A passport travel pack with everyone’s passports and boarding passes
  • High factored waterproof sun cream
  • A first aid kit
  • Adapters to suit your location
  • Enough medication (if required) to last the entire trip plus a few extra days, and any prescriptions for such
  • Their favourite toys and teddies
  • Enough games, movies and music to keep them entertained on both journeys and during the days

A good investment to make would be a small portable DVD player, or one which can store movies or TV shows downloaded in advance, which can provide hours of entertainment.

Where to go

For a family vacation with toddlers, staying in Europe can often be the easiest plan. But don’t worry – Europe offers a huge array of destinations and cultures to be explored not far from our doorstep.

travel with kids

Some of our top pick destinations for the best places to holiday with kids are:

  • Spain (Alicante, Costa del Sol, Malaga)
  • Portugal (Albufeira)
  • Italy (Lake Garda, Lake Como)
  • France (Île de Ré, Bordeaux)
  • Greece (Santorini, Corfu)

Where to stay

Once you have chosen your ideal destination, it is a good idea to find some children-friendly hotels or apartments in the area. Lots of hotels or aparthotels host kids clubs during the day and offer fun night time entertainment for the whole family. They may also offer babysitting services at an affordable price. These types of hotels are great for kids’ holidays.

Travel with kids

Kids clubs mean that your child can make friends and give you and your partner some quiet time to enjoy during the day. It offers the best of both worlds to ensure that everyone has a good time.

Click here to see Europe’s best rated kids clubs in some of the most family friendly destinations.

What to do

 And now for the fun part! We all know how important it is to spend some quality time with the kids during the holidays. It can be a good idea to research your destination in advance to see what activities are on offer and to see if you can save money by buying tickets for events or parks online.

travel with kids

Our top picks for family holiday activities are:

  1. Water parks
  2. Boat rentals
  3. Horse-riding
  4. Canoeing
  5. Cycling

By planning these activities ahead in advance, you stand to save a good amount of money by taking advantage of special offers and advanced booking discounts.

Camping holidays

Another type of popular holiday would be a family camping one. Family campsites come fully equipped with plenty of entertainment and facilities for every age, and often provide a safe and secure environment.

Travel with kids

France is a popular European destination for a family camping trip, and offers some of the best holidays for toddlers. If you have ever dreamed of warm Summer nights camping in a park or near the beach, this is a must!

Take a look at L’Atlantique, Bonne Anse Plage and Les Méditerranées for some top quality French campsites especially designed to cater for children of all ages and facilities to be enjoyed by kids and adults alike.

And last but not least… Make sure to travel with peace of mind

Travelling with the whole family can at times become a stressful ordeal. Make it that bit easier and stress-free by ensuring you have travel insurance for your family before you jet off on your holiday.

Ucompare.ie can take the time and effort out of finding the best deal for your family’s travel insurance by helping you get the perfect insurance policy at the best price. Having travel insurance will allow you to relax in full peace of mind throughout all stages of your journey knowing you will be covered if anything goes wrong.

You might be surprised by how often problems can occur while travelling. Everything from mobile phone and safe robberies to accommodation cancellations can be quite common and these are not pleasant experiences.

Invest in your safety and security by spending a small percentage of your total trip costs on travel insurance and enjoy your family holiday to the max!

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Does Automatic Insurance Renewal Help Insurers or Consumers?

Does Automatic Insurance Renewal Help Insurers or Consumers?

If you have taken out travel insurance, automatic insurance renewal may seem like the best idea when it comes to the end of your policy. However it is important to be aware of both the pros and cons of auto-renewal, as consumers may lose out on potential savings. Here we have gathered all you need to know about automatic renewal so that you can make an informed decision. 

 The insurance renewal process is simply the easiest way for your insurance company to keep you as their customer. It also benefits insurers as they incur fewer costs than in acquiring new customers. If you are happy with the cover provided to date, or if you have not yet had any incident that required you to use your cover, you may also be just as happy for the policy to roll over. However, it can be a good idea to avoid renewing automatically and later being stung by the insurance company who refuse to help when you attempt to make a claim. 

 Although auto-renewal benefits you as the consumer by saving you some time and effort searching through the marketplace to find the best insurance policy, you will gain more benefits from having a look around each year. 

 There are quite a few key advantages to the alternative of shopping around: 

 Cheaper cover 

 While shopping around last time, you may have opted for the cheapest policy available to you. This might lead you to believing that if this was the cheapest insurance provider last year that they most likely still are. Unfortunately, this is not a given. 

 Insurance companies change their pricing structures regularly, and this adds to the general confusion around trying to find the best available insurance policy at the best price. 

 By looking around the insurance marketplace with the help of Ucompare.ie when it comes to insurance renewal time, you are sure to make the most informed decision about whether to renew your policy or not. Take a look here at how to choose the right travel insurance policy.  

 Make sure to read exactly what potential alternative policies would cover you for, as you might find that a cheaper price may be due to inferior cover. It is crucial to examine your needs on a year-to-year basis and choose the best price with sufficient cover for you accordingly. Please read our complete guide on cheap travel insurance.

 A more relevant policy 

 If you experienced a road accident during the year and discovered that your car insurance didn’t cover you for what you tried to claim for, now is your opportunity to switch to a policy with greater coverage. 

 Whether you have a new car or will be travelling on the road more this year, as soon as your situation changes your needs change too. This is why you need to reevaluate whether or not your old policy will still be relevant for you over the next 12 months. 

 As your policy comes to an end each year, it is a good idea to take this time to do a quick reassessment of your needs and ensure that your insurance policy still meets your expectations before your insurance renewal date. 

 New customer benefits 

 If you do think that you may need to change your cover, one of the best ways to make extra savings in this situation is to take full advantage of new customer discounts and benefits. These benefits are not available when you automatically renew your insurance. 

Automatic Insurance Renewal

 As the car insurance market is so highly competitive, insurers often offer new customer discounts to attract new clients. You are fully entitled to move your insurance provider and make the most of these deals. 

 Insurance Renewal protection 

 If you do decide that you are happy to renew your current policy for another year, it is important to be aware of your consumer rights. Insurers are bound by insurance renewal regulations which are in place to protect you as the consumer. 

 Firstly, you will receive a letter outlining the end date of your policy and the price for the next 12 months if you want to renew. You are entitled to be given all details of any changes being made to your policy, prior to car policy renewal to allow for reflection time.  

 If you change your mind, you are entitled to an insurance auto-renewal cooling off period of 14 days. 

 You have the right to shop around for quotes with other insurance companies and the right to decide not to renew. However, it is your responsibility as the consumer to inform the insurance company about your decision. 

 In conclusion 

 As you can see, auto-renewal helps the insurer more than the consumer in many cases. 

 When you receive a policy renewal letter from your insurer, you may find the information difficult to understand. As policies and prices are forever changing, you may be told that certain elements of your previous contract will now be changed. It can be tricky to know exactly where you stand and what your options are. 

 The most important thing to do is to not ignore this change of policy. Spend a little time reading through the changes and comparing these to alternative options from other insurance providers. Take into consideration any changes you might need to make at this time. 

 If you do decide to switch, don’t forget to inform your old insurer first. As most insurance policies are renewed automatically, you could face large cancellation fees if you try to cancel after the cut-off point. If you don’t contact the company, they will assume you are happy to renew.  

 Some consumers may opt for renewing their current policy simply as they find insurance policies complex or the idea of cancelling their current policy daunting.Using a comparison tool like Ucompare.ie can help you greatly with the task of comparing policies. You are in control of your decision and have full authority to switch at the end of your policy. 

 Ucompare.ie can help you with the task of shopping around to help you get the best value on your insurance renewal or switch. Make the most of the platform to compare your current insurer against competitors and see what savings can be made today! 

How To Choose the Best Ski Insurance for your Winter Holiday

How To Choose the Best Ski Insurance for your Winter Holiday

If you are jetting off on a ski trip this Winter, then this one’s for you: How can we be sure to select the best ski insurance when preparing for our Winter holiday?

It can definitely be quite overwhelming when you discover how many options for finding best ski insurance are available, including both cost and cover. The important thing is to evaluate your specific needs, rather than what might appear to initially be the best “deal”. If you end up opting for ski insurance that does not cover a particular incident such as theft of skiing equipment or mountain rescue, you will not find your cover very helpful should such incidents occur to you when travelling.

Here are some key tips to help you choose the best ski insurance for your trip:

 

Step 1: Choose the right location

Best Ski Insurance
Lack Of Snow At A Resort By Max Whittaker, Getty Images

Although you may need to get this part right before you start booking anything, it is a crucial step that cannot be overlooked. Just because a particular ski resort is offering very cheap ski trip plans does not mean that you are guaranteed good skiing conditions or even safe conditions.For example, a ski resort may be offering excellent deals as they are struggling with a lack of snow this season, or avalanches may be foreseen which could cause slope closures and serious accidents.

Remember the old saying: if something seems too good to be true, it often is.

So do your research in advance and ensure that your chosen ski destination is expecting good and safe skiing conditions this Winter and, most importantly, that safety is taken seriously in the region.

Check out some of our favorite & best skiing destinations in Europe for some inspiration:

Tignes, France

Best Ski Insurance
Barrage de Tignes by Semonz , Wikimedia

Val Thorens, France

Best Ski Insurance
Val Thorens, France By Marc Lagneau, Flickr

Vallnord, Andorra

Best Ski Insurance
Vallnord, Andorra

Kitzbühel, Austria

Best Ski Insurance
Kitzbühel, Austria

St. Moritz, Switzerland

Best Ski Insurance
Olympiaschanze, St. Moritz, Switzerland

Step 2: Multi-trip or single-trip travel insurance?

This is an important step as considering your future needs in advance could save you money in the long run. If you foresee yourself only travelling abroad once this year for your ski vacation, then a single-trip travel policy with a Winter sports add-on will be the cheapest option. This will cover you only for the one holiday, but means you don’t need to pay for anything else beyond this trip. With this type of policy, the premium will be determined by your age, the length of your stay and the total trip costs.

Best Ski Insurance
Choose The Best Ski Insurance For You & Your Family

If you usually go on a sun holiday or other trips throughout the year, however, it would be better in the long-run to choose multi-trip travel policy with a Winter sports add-on as this could save you money. If you are a regular traveler, it is definitely a must.

Remember: you must opt for a Winter sports add-on to your basic policy, whether you opt for single or multi-trip, as sports like skiing and snowboarding come with unique risks that must be accounted for separately in the eyes of insurers. As these sports and the conditions we do them in can be quite treacherous, it is essential to be sufficiently covered against the possible risks.

Unfortunately, accidents are common on the slopes. So choosing to go for this add-on is of crucial importance when taking out an insurance policy for your ski trip.

If you already have taken out a multi-trip policy, it is not too late to opt for a Winter sports add-on, which can usually be added at a later stage after you signed up for the insurance policy.

Step 3: Examine policies thoroughly before making a decision

 As Winter sports can be so varied, it is crucial that you carefully examine insurance policies to see exactly what you would be covered for. If you plan to do a range of other activities such as off-piste skiing or snow sledging, make sure the policies you are looking at would cover such activities. Be careful as the definition of what “Winter sports” consists of can vary between different insurance providers.

Best Ski Insurance
Don’t Forget To Check What’s Covered In The Policy

Here are some other key features to look for in your ski insurance policy:

  • Does this policy cover theft or damage of rented equipment?
  • Are there any age restrictions on the policy? (Many policies will exclude those aged 65+)
  • Does this policy cover me in the event of an accident on the slopes, including air transportation if required?
  • Will the policy cover costs involved if there is no snow at my ski resort and I must move to higher slopes?
  • If you are travelling with children, will the family ski insurance cover any accidents they might have if they are skiing without you while partaking in a lesson?

Compare best ski insurance policies critically instead of just choosing the cheapest option.

Step 4: Opt for the travel insurance that fits your needs, desires and budget

Once you find a policy or a number of policies that cover you sufficiently for all activities you will be partaking in, now it is time to decide which one fits your needs, desires and budget limits. Be aware that most Winter sports insurance policies will also outline a list of exclusions, so it is important to familiarise yourself with these before choosing which insurer to go with.

Best Ski Insurance
Plan Your Budget

Also be sure to examine excess amounts on the policies you are considering. Sometimes, the excess amounts can exceed the amounts being claimed, especially when it comes to the cheapest travel insurance policies.

Another key point to bear in mind: Inform your insurer in advance of any pre-existing medical conditions. These can affect your premium and non-disclosure could leave to your claims being deemed invalid should you have any trouble on your Winter holiday.

Step 5: Enjoy your Winter sports holiday to the max!

Best Ski Insurance
Enjoy!! Happy Holidays

Congratulations! You’ve successfully finished all the hard work and can now enjoy your ski or snowboarding holiday with peace of mind. Ensure to make the most of your trip by enjoying all amenities offered in your ski resort: go skating on the ice rink, soak up the heat in the sauna and enjoy some mulled wine in the ski lodge. Enjoy your holiday and stay safe on the slopes this Winter season!

Ucompare.ie can make the process of selecting the best ski insurance option for your holiday much easier. Try it out today by comparing quotes and access some of the most comprehensive insurance policies in Ireland all at the best prices.

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