Travel Insurance – Holiday Hangover

Travel Insurance – Holiday Hangover

“Hang on” those of you with a little more reserved character may be shouting at me. “Don’t tar us all with the same brush; we’re not all like that”. This may be the case but I’m sure there are still many out there who can admit to becoming a little tipsy whether a pre-conceived plan or not, whilst on holiday. Let’s concentrate on those who knowingly set out to have a little alcohol fuelled fun whilst on holiday.

The majority of us now realise what an important factor travel insurance can be and the costs that could be incurred without it. Do we also realise that by drinking excessively whilst on holiday we could void our policy? You may be one of the lucky one’s who escape the scrutinisation of the insurer and receive a payout for treatment of the broken leg and 3 fractured ribs your received whilst drunkenly stumbling down the steps outside you holiday apartment. Unfortunately for some the insurance companies will find out the error of your ways and refuse to pay out on your claim.

In certain circumstances the insurers will be a little more watchful, especially if you’re attending a hen or stag party with a large group of the same sex. Of course the holiday insurance companies know you will want to let your hair down whilst abroad and do expect a certain amount of alcohol intake and merriment. The problem is drawing a line at a certain level which is easier said than done when socialising with a large group as peer pressure can be very hard to ignore. In a report released by the observer it was stated that 2 million Britons a year travel abroad for hen and stag parties. You can see how this figure could worry your insurer.

The wording on your policy can vary considerably from company to company and I would always advise that you read your documents carefully before travelling. The financial Ombudsman service has come to the rescue of many tourists refused an insurance payout after only consuming 1-2 drinks and falling foul of an accident. They state that unless an alcohol ban is worded clearly and strongly on the policy the insurer should pay out in this situation. Obviously if you have drunk excessively there is little this regulatory board can do.

As it stands it is very difficult for a travel insurance company to gauge how much alcohol you have consumed at the time of an accident without blood tests which usually will not have been taken. This doesn’t mean you should disregard everything you’ve just read in this article; it simply means you should be wary and drink within what you know to be your limit. The insurance industry is ever changing and a blood test to determine the level of alcohol in the bloodstream may become a standard procedure to rule out this cause of an accident.

Remember when looking for cheap travel insurance for your holiday; price isn’t everything. Of course the more money you have in your pocket to spend on your holiday the better. Be sure to check the features you require are present on a prospective policy and don’t settle for it just because the price is attractive.

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Cheap Travel Europe: Traveling Europe Was Never Cheap Before

Cheap Travel Europe: Traveling Europe Was Never Cheap Before

Europe is the second largest continent in the world. It is the most beautiful continent having various tourist destinations. Every year Europe enjoys the largest number of visitors. This continent is rich in cultural heritage and architecture. Traveling in Europe is not a cheap job in fact it requires a huge investment. High prices are the reason that many of us drop an idea to travel inn this paradise on earth. But cheap travel Europe is the option available that enables us to visit this continent with in our pocket limits.

With the changing time the tourism industry is also changing its methodology. Various travel agencies are now coming up with the latest marketing plans to make traveling in Europe an easy job. People can themselves follow some tips to reduce their expenses for traveling here. Advance booking of air ticket is the way by which a traveler can plan out a trip well in advance with in his budget. Several airlines promote their advance bookings and offers subsidized rates for the same. Moreover few airlines offer bidding offers for tickets. Apart from these a traveler can buy a complete package which is quite cheap.

Cheap travel Europe is a complete package tour and is readily available with various travel agencies. These agencies offer a complete solution for all traveling needs. They arrange everything right from tickets to room reservation to food and transportation also. These package tours are professionally design to provide a deep insight of Europe by taking care of pocket. In return these agencies get a large group of travelers. These agencies have tie ups with the hotels, transportation service providers etc. and hence are able to give you a cheap service.

Visiting Europe with such schemes could be very effective for a potential visitor in an economic way. A smart visitor can save money here and visit to the most beautiful continent of world.