Asda Money Travel Guides Feed

16 Spanish holiday resorts that are great for families

Dale Lovell — Tue, 11 Feb 2014 16:44:32 GMT

Spain has been a much loved holiday destination for Brits to head to for many years. It’s estimated that a quarter of international tourists to Spain each year come from the UK¹.

More than 12 million people²choose this short-haul destination for its beautiful sandy beaches, relaxed atmosphere and affordable prices.

If you’re looking to take the family on an affordable Spanish holiday, the resorts below are just some of the best in the country.

However, whichever resort you do opt for, make sure you invest in travel insurance to prevent your dream holiday turning into a nightmare.

1. Moraira

The coastal town ofMorairais slightly more upmarket than many other parts ofSpain.MundomarMarineParkand Aqualandia are just two great local attractions for a family day out. However, those planning to explore further afield could take a trip to the Terra Mitica theme park in Benidorm.

2. Corralejo

Fuerteventura, which is situated closer to Africa than mainlandSpain, is home to Corralejo. The long stretches of sandy beach make this the perfect place to get away from it all. Once a quiet fishing village, the resort still features a few quaint fishermen’s cottages, along with narrow cobbled streets. There is a great kids club that will keep your little ones quiet while you relax and unwind.

3. Tossa de Mar

Situated on theCosta Brava, this relaxed resort has two child-friendly beaches to head to. First up is a small cove known as ‘the bath of the women’, which found on the northern part of the Mar Menuda beach. For those that don’t fancy venturing that far north, you can head to ‘es Raco’ which is situated right by the medieval walls on the main beach.

4. Costa Teguise

If you fancy a quiet family holiday away from the hustle and bustle, Lanzarote’s Costa Teguise is a fantastic place to visit. Despite being a party island, this resort has very family-friendly nightlife. It’s popular with more affluent Spanish families – even King Carlos has a place here.

5. Puerto de la Cruz

Located on the popularislandofTenerife, Puerto de la Cruz provides a lively family atmosphere. Those with children will be able to keep them entertained with trips to the Lago Martianez waterpark and Loro Parque (Parrot Park).

6. Calella de Palafrugell

Another one of the more underdeveloped resorts, Calella de Palafrugell features beautiful hidden coves and beaches. With plenty of places to explore, such as the Botanical Gardens, families won’t run out of things to do. Situated just an hour away from Girona airport, it’s also fairly easy to get to.

7. Puerto de Morgan

The picturesque resort of Puerto de Morgan is ideal for families looking to escape from the stress of life back home. You’ll feel like you’ve stepped into a completely different world with the low-level buildings and beautiful architecture.

8. Portinatx

Only half an hour away fromSan Antonio,Ibiza, the Portinatx resort is completely different to what you’d expect. Laid back, relaxing and ideal for families; you’re bound to fall in love with this little gem.

9. Aigua Blava

While the little beach in Aigua Blava can become very busy in the summer months, it’s still one of the best family resorts inSpainto head to. The water is crystal clear and shallow, making it ideal for young children who love paddling. The older ones can go snorkelling or diving too.

10. Port de Pollenca

To the north of Mellorca, you’ll find the beautiful Port de Pollenca resort. It’s actually a favourite spot of the famous cyclist Bradley Wiggins - he has been known to visit the resort with his family. It has an almost Wild West feel to it and kids will love exploring the gently sloping hills down to the beach.

11. Tamariu

If you’re travelling with young children, this is a great spot to head to. Again, the shallow waters on the beach make it ideal for children. It’s quite a reserved part of the country, so is good for those trying to escape the crowds of the busier resorts.

12. Cadaques

Cadaques may not be overly easy to get to, but the beauty and atmosphere of this location is what makes it so worthwhile. It’s a particularly great spot for art lovers with the Perrott Moore museum. It’s a really trendy part ofSpainand the prices reflect this. If money isn’t an issue, this is the best resort to head to.

13. Nerja

On the south coast ofSpain, less than an hour away fromMalaga, there is a small town called Nerja. It features beautiful white washed, winding streets. Despite being a pebbled beach, it is still popular with for sun worshippers. However the donkey sanctuary and tourist train means there is something for the whole family to see.

14. Llafranc

With one of the best beaches in the country, Llafranc has quite a classy and chic atmosphere. It tends to have a more cosmopolitan feel and is a particularly good place for teenagers. With discos and Jazz clubs, this is the ideal resort to head to if you’re travelling with older children.

15. Palma Nova

Palma Nova is situated right next to Magaluf, yet it has a more grown up feel, than its party neighbour. It boasts numerous child-friendly beaches and a wide range of cuisines. The Pirate Adventure Show! is one of the most popular attractions, but it’s also worth a taking a trip to theWesternParktheme park.

16. Cala Millor

For a more lively resort experience, jet off to Cala Millor on the north-east coast of Majorca. With beautiful golden sands on the Blue Flag beach, it’s popular with families. The riding school, go-kart tracks andFantasyParkwill ensure there’s plenty to keep the little ones occupied.

Sources

http://www.telegraph.co.uk/travel/travelnews/10267885/British-travellers-fuel-Spain-tourism-boom.html
https://www.gov.uk/foreign-travel-advice/spain

Young skiers: What type of insurance do they need?

Dale Lovell — Thu, 30 Jan 2014 17:46:01 GMT

Whenever you travel it's important to make sure that you have appropriate insurance in place. Insurance is there to protect you should anything go wrong. Without it, an accident or illness could prove very costly and you should also be covered against other mishaps such as lost or stolen belongings. A specialist activity like skiing has specific requirements and you should make sure you have insurance that covers you and your family for the duration of your trip.

If under-18s are travelling alone or as part of a group without you, you may need to sort individual policies for them. If they are travelling with their school, the school will usually arrange group cover but you should be sure you are happy with the levels of cover and arrangements provided. If they are travelling with you, it might be better to buy a family package.

Standard travel insurance

Travel insurance should cover you for medical treatment should you become ill or suffer an injury. The amount of cover offered can vary but you should bear in mind that the costs of some medical treatments can run into the tens of thousands. Some providers such as Asda offer unlimited medical expenses cover. You should also be covered for emergency repatriation to the UK if required. This could otherwise cost around £4,000 from Europe and around £8,000 from the USA and Canada.

Other things that are typically covered include loss or theft of your luggage and other personal belongings. Where holiday cash is covered, there will be an upper limit and there will also usually be a maximum value for luggage as a whole and individual items that are particularly valuable.

Travel insurance should also cover you for costs if you have to cancel your trip due to certain circumstances such as illness or a family bereavement. You may also be able to get a payment if you have to cut short your trip for similar reasons.

Winter sport and ski insurance

Most standard travel insurance policies will have some exclusions, meaning they won't cover you against certain things and in certain circumstances. Winter sports and skiing are common exclusions, as skiing is considered a dangerous activity. There are also a number of situations, such as lost ski passes and damaged equipment that don't apply to more general trips and holidays. Winter sport and ski insurance can be taken out as a specialist policy or added as a 'bolt on' or optional extra for standard travel insurance.

If bought as a special policy, your ski insurance should provide all the benefits of regular travel insurance, including medical costs and emergency rescue if you injure yourself on the piste. There will usually be a proviso that you should take reasonable precautions, such as following all resort safety instructions and wearing a helmet. Note that off-piste skiing may require even more specialist levels of cover.

Some of the additional things that are typically covered include:

Equipment

Unless you have a tendency to travel with particularly expensive equipment such as cameras or scuba gear, skiing trips tend to involve a lot more expensive equipment than other holidays. Ski insurance will cover you for winter sports equipment hire if yours goes missing, is broken in an accident or misplaced by your airline.

Passes, tuition and other costs

Ski passes, ski hire and pre-booked tuition can all be expensive parts of your trip so you'll want those expenses covered if you find yourself unable to make use of them. Ski insurance should cover you and your family members if you can’t use them due to illness, injury or loss or theft of your ski pass. You can even cover yourself if you are unable to ski because there is no snow, or if outbound or return journey is substantially delayed due to an avalanche.

European Health Insurance Card – what it covers and what it doesn't

If you are travelling in Europe, including skiing trips, you should make sure you have a European Health Insurance Card, or EHIC. The card is free and can be obtained from the NHS. It is valid within the EU and all European Economic Area (EEA) countries, including Switzerland. It entitles you to the same level of state healthcare as a resident of the country you are visiting.

Your insurer may expect you to carry and EHIC when visiting relevant countries but it should not be used as an alternative to travel insurance. The level of care it entitles you to can vary from place to place and not every European country has a state healthcare system comparable to the NHS. It does not cover any private healthcare or emergency repatriation to the UK. It may not cover the cost of an air ambulance if required on a skiing trip.

Sources:

*http://www.telegraph.co.uk/finance/personalfinance/insurance/8946526/Your-guide-to-ski-insurance.html

Flying with babies: What you need to know

Ian Houghton — Thu, 02 Jan 2014 19:00:22 GMT

Preparing to fly with your little bundle of joy can be a daunting prospect. Getting out and about with your baby in tow can be hard enough when you are completing every day trips, but negotiating airports and planes once or twice a year will require some forward planning.

Providing you do put some advance planning into place, taking your baby on a plane doesn’t have to be a stressful experience. There are a number of things you need to take into account before you travel in order to have the best flight possible.

A question of age

Before you even book your holiday it is important to check if your baby is the right age to fly. While some airlines will allow babies to fly from just 2 days old, others will require them to be a minimum of 2 weeks old - it is best to check with your airline directly regarding their individual rules.

It is also important to consider the cost of your child’s flight. Children up to the age of 2 are normally charged 10% of an adult fare, and above this age around 50% to 70% of an adult fare.

Whatever age your baby is, this also applies to newborns, they will also need their own passport. This is something that will need to be arranged well in advance of your flight*.

Hand luggage allowances

One of the most important things you need to find out about is hand luggage allowances.

With a baby you need to have all kinds of things on hand from wipes to bottles of milk and nappies. Most international airports shops have a range of baby bottles and jars available. However, it’s always better to have your own just in case.

In line with airport security you will usually be asked to test one of the baby bottles**. This is to basically make sure that you haven’t got anything in there that you shouldn’t have. It’s worth having an extra bottle with you for this purpose.

Babies typically drink more on a flight because the cabin can make them feel dehydrated***, just like it does with adults. This is something else you need to keep in mind when deciding how much milk you need to take with you.

It’s worth noting that providing the milk and sterilised water you are carrying with you is for your baby, it can total more than 100ml per bottle**. In certain circumstances you may be able to bring more than this amount but it is important to check with the airline you are travelling with and the airport you are travelling to.

Each airline will also have its own rules regarding hand luggage so it’s worth researching this before you set off.

Be prepared for delays

One of the most frustrating things about catching a plane is the fact there’s often flight delays. This can pose a real nightmare for parents. Just in case your flight is delayed, make sure you have extra nappies and baby bottles.

Booking the best flight

It makes sense to book a flight when your baby would usually be sleeping. That way, it will cause minimum disruption and your baby will sleep through most of the flight. Even if this means taking a flight at 2am, it is worthwhile if you get to avoid worrying about calming a grumpy baby on a flight packed full of people!

It also helps if you book direct flights where you can. If you need to have a stopover it can cause further problems and stress. A direct flight will cause the least amount of fuss and help you to have a more relaxed start to the holiday.

Remember a change of clothes

One thing you can easily forget when it comes to travelling is how messy babies can be. So if you are going on a long haul flight it’s a good idea to pack a change of clothes.

If your baby is used to changing into a baby night suit, having this on hand may also help them make an easier transition to the world of slumber.

Toys to keep them distracted

A great way of keeping your baby entertained on the flight if they wake up is to provide them with toys and games. This will help to keep them occupied for at least a portion of your flight.

The airline you are travelling with may also offer free kids pack with colouring pages and soft toys that older babies will love.

Providing baby with familiar comfort

Flying can be a stressful experience for you and that tension can be picked up by your little one. A comforting blanket and something familiar will help to minimise their distress.

Taking on large items

One of the major concerns you’ll have is where to put your pram. The good news is most airlines allow you to take on two additional large items, meaning you can take a pram and a baby car seat with you.

However, not all airlines will let you take two additional items, so you will need to check this before you set off. Any extra equipment you need may incur a charge.

What to pack in your suitcase

As well as hand luggage, you need to know what to pack in the actual suitcase. Swimming nappies, sleep suits, medications, baby sunscreen and a travel high chair will all prove invaluable on holiday.

Sources

* http://www.nhs.uk/chq/Pages/933.aspx?CategoryID=62&SubCategoryID=63

**http://www.london-luton.co.uk/en/content/3/1177/security.html

*** http://www.firstchoice.co.uk/help/travelling-with-children/children-under-3-years-old/

Romantic city breaks you can do with the kids

Ian Houghton — Thu, 02 Jan 2014 19:00:10 GMT

When you have children, romance typically tends to go out of the window. From the minute they are born, your focus switches from spending time together as a couple to trying to find just five minutes alone time.

However, that doesn’t mean to say you can’t enjoy a romantic trip every now and again; even if you do have to take the kids with you! City breaks can be a great way to spend time together with your partner, while also keeping the kids happy. Below you’ll find the best child-friendly romantic city breaks.

1. Paris – the city of love

No romantic break list would be complete without Paris. For a slightly different experience that the kids will love, why not consider camping in the city? This can be really romantic.

In the daytime you can treat your kids to a trip to Disneyland. After a fun-packed day they will be tired out and ready to let you and your partner enjoy the rest of your evening. Lying under the stars together is all the romance you need.

Pitching your tent along the banks of the River Aisne at Camping la Croixdu Vieux Pont is a great idea. It may be 75 minutes away from Paris, but it features plenty of great activities. You can hire a canoe, treat yourself at the beauty parlour and hire cycles to explore the nearby area. As an added bonus there are also weekly trips to Disneyland and Paris from the camp.

2. Venice – a beautiful romantic escape

Venice is popular with couples as an ideal romantic destination. However it can also be fantastic for kids too. To save money it would be worth looking into self-catering city breaks as Venice is known to be quite expensive.

There are plenty of activities to keep kids happy such as the Peggy Guggenheim Collection. The museum is quite small which means it’s perfect for kids who tend to get a bit wriggly after spending too long on one activity. Each Sunday between 3 and 4.30pm the Collection also runs a Kid’s Day where youngsters can experiment with artistic techniques and themes in a way that they can really engage with.

When evening comes around children will also love joining you for a gondola ride as you take in the city’s sights and sounds.

Venice will provide your kids with a cultural experience and at the same time allow you and your partner to enjoy the city’s stunning architecture, waterways and romantic atmosphere.

3. Bath – staying close to home

You don’t have to travel to another country to enjoy a romantic city break. The UK is packed full of interesting, beautiful and romantic places. Bath is one of the most romantic and like Venice; it’s a great place to provide your kids with a cultural experience.

The Roman Baths are a particularly great attraction to visit while you’re in the area. For kids over the age of 12 you could all enjoy an open air thermal bath. Inside the baths there are also people dressed up in Roman costumes. They tell stories about Roman life 2000 years ago.

There is so much to learn in this fantastic city. You and your partner will simply enjoy walking hand in hand through the area. The architecture around the city is beautiful and memorable.

4. New York - the place to be!

If you’re willing to travel long-haul a city break, New York is the place to head to. This fantastic city has plenty for the whole family. It may not feature on the romantic city list too often, but just doing something different with the family can provide you with many great memories.

Some of the top attractions to head to while you’re in the city include the Rockefeller Centre and Central Park. At night you’ll find the Rockefeller Centre lit up beautifully which creates a really romantic ambience.

You could also take the family to Central Park to enjoy a whole array of kid’s activities, from the Tisch Children's Zoo to a performance of classic fairytales such as Cinderella, and Jack and the Beanstalk at the Marionette theatre.

If you can find a babysitter for the evening, you can also finish off the day with a horse and carriage ride around the park.

5. Copenhagen – all aboard the love boat

Taking the kids on a mini cruise to Denmark is a clever way of spending quality, romantic time together. Cruise ships often have kids clubs on board which will keep the kids suitably occupied. As they have fun you and your partner will get to enjoy a meal for two at one of the eateries on board, or even get the chance to gaze out at the sea as you enjoy each other’s company.

Once you get to Copenhagen, you and the kids can experience one of the oldest theme parks in the world, Bakken. Bakken is home to a number of attractions including 33 thrilling rides as well as an impressive 5D Cinema!

Copenhagen is also home to the Denmark Aquarium where kids will get the chance to feed the fishes and marvel at life under the sea.

These five breaks prove you don’t have to go away without the kids to enjoy a spot of romance with your partner. While it might be more romantic without them, there are still plenty of options open to you if you can’t find a babysitter.

Flight delay compensation – when can I claim and how does it work?

Ian Houghton — Mon, 09 Dec 2013 19:00:09 GMT

Whenever you travel you should always ensure you have adequate insurance. This can protect you against a range of unforeseen and unfortunate occurrences. If you are robbed or have money or belongings stolen, travel insurance can help you get the replacements you need. It can also cover medical expenses if you are injured or fall ill abroad. If you have to cancel a booked trip due to illness, a family bereavement or certain other reasons, comprehensive policies will generally cover your costs.

If your flight is seriously delayed, some policies may offer you compensation but under EU rules you are also entitled to compensation directly from the airline in some circumstances.

EU Regulation (EC) 261/2004 says that airlines must compensate passengers whose flights face significant delays. Compensation can be as high as €600 (around £506). This only applies to EU-regulated flights. Compensation is not payable if the delay is not the airline's fault (known as 'extraordinary circumstances’)*

What if I'm outside of European Union?

The EU regulations apply to any flight flying out of a European Union, European Economic Area (EEA) - including countries such as Iceland, Liechtenstein, Norway - or Swiss airport.

This means that a flight from Manchester to Malaga or from Heathrow to New York would qualify, no matter who the operator is. For flights coming into the European Union, only those operated by EU/EEA or Swiss airlines qualify. This means that a delayed flight from New York to Heathrow would qualify if it was operated by British Airlines, but not if it was on a flight with the US-based American Airlines.

For flights not covered by the EU regulations, your rights will depend on the on the terms and conditions of your contract with the airline. Some airlines may offer you the choice between an alternative flight and a refund if your flight is seriously delayed.

What are extraordinary circumstances?

Some circumstances that have been defined as 'extraordinary circumstances', meaning the delay is not the airline's fault, include bad weather, industrial action, political problems and security or safety issues and air traffic management decisions. Guidelines say any circumstances defined as 'extraordinary' should meet the criteria of being unpredictable, unavoidable and external. The disruptions cause by the 2010 volcanic eruptions in Iceland are a good if extreme example, but heavy snow could be just as valid a reason for a plane to be unpredictably, unavoidably and externally delayed**.

When should I claim?

You can make a claim if you are delayed by more than three hours. This means a delay of more than three hours getting to your final destination so if a flight takes off three hours late but is able to make time, you will not be eligible for compensation.

You should start the claims process as soon as possible as it can be a very long process. In the past 12 months alone the Civil Aviation Authority (CAA) has received more than 24,000 appeals, causing a months-long backlog***. Write to the airline initially. The CAA has a standard claims letter for you to print and fill in on their website. If you do not receive the outcome you hoped for contact the CAA directly. They provide a free mediation service to passengers who are having trouble resolving complaints against airlines or airports~.

What is the cut-off point for claims?

You can technically go back to claim for delayed flights going back as far as February 2005, when the rules first came into force. If the claim is not upheld by the airline however, your ultimate redress is to take them to court. The court will only usually go back as far as six years in most of the UK however, and five in Scotland^.

How much might I receive?

Compensation levels are fixed depending on the distance of the flight and the length of the delay.

For flights up to 1500km that are delayed by more than 3 hours the compensation is €250.

For flights between 1500km and 3500km that are delayed by more than 3 hours the compensation is €400.

For flights of longer than 3500km that are delayed by more than 3 hours but less than 4 hours the compensation is €300.

For flights longer than 3500km that are delayed by more than 4 hours the compensation is €600^^.

What else should the airline provide?

If your flight is delayed by more than two hours for any reason, including ones outside the airline's control, the airline has a duty of care. It should provide you with refreshments and two phone calls or emails. If there is an overnight delay for any reason, they should also provide you with overnight accommodation and transport to and from the accommodation^^^.

Sources:

* http://www.thisismoney.co.uk/money/holidays/article-2271213/How-claim-EU-flight-delay-compensation-EC-261-2004.html

**http://ec.europa.eu/transport/themes/passengers/air/doc/neb-extraordinary-circumstances-list.pdf

***http://www.bbc.co.uk/programmes/b006mg74/features/flight-compensation-thomas-cook-monarch

~http://www.caa.co.uk/application.aspx?catid=14&pagetype=65&appid=7&mode=detail&nid=2231

^http://www.moneysavingexpert.com/travel/flight-delays

^^http://www.which.co.uk/consumer-rights/problem/i-had-a-flight-delay-can-i-get-compensation/?gclid=CML_8ILfnboCFbIPtAod6TAASg

Travel Money Series: Local currencies vs the dollar: What should I opt for on holiday?

Ian Houghton — Thu, 05 Dec 2013 19:00:08 GMT

The dollar sign is a symbol that is recognised worldwide and many different countries, including Australia, New Zealand, Hong Kong, Singapore, Jamaica and Zimbabwe have their own version of the currency.

What most people outside these countries generally think of as a dollar however, is the unit of currency used in the USA. The US dollar is by far the most dominant and widespread of the dollars and it can be spent in a surprising number of countries worldwide.

A number of countries have become officially 'dollarized', adopting the US dollar as their official national currency.

These countries currently include:

• British Virgin Islands

• East Timor

• Ecuador

• El Salvador

• Marshall islands

• Federated states of Micronesia

• Palau

• Panama

• Pitcairn islands

• Turks and Caicos islands

If you are visiting one of these places you would be advised to stock up on US dollars but there are also a number of countries that accept the US dollar alongside their own currency. Panama, for example, uses the US dollar alongside the Panamanian balboa while the local currencies in Bermuda and the Bahamas can be freely exchanged at a 1:1 ratio for US dollars*.

Still other countries have a state of 'unofficial dollarization'. This is where the US dollar is not officially recognised as legal tender but is widely accepted by vendors and in private transactions. In Vietnam for example, the official currency is the dong, but US dollars are widely accepted.

If you already have a stash of US dollars, you might as well take them along and spend them where you can. If you are changing cash from pound sterling however, there are a number of further considerations to bear in mind before you buy your foreign currency. There's little point in exchanging pounds for US dollars if you find you are unable to spend them and have to change the dollars back into the local currency, paying for both transactions. Similarly, if you can get a better deal on the local currency, it may make sense to change your pounds directly into that before you leave.

Where can US dollars be spent?

US dollars can obviously be spent in the countries listed above that have officially dollarized their economies. This is generally the only option in fact, as the US dollar is the official currency. In addition, US dollars can be widely used in a number of other places, including the Bahamas, Belize, Costa Rica, Bermuda, Uruguay, Iraq, Cambodia, Lebanon, Liberia, Tanzania, Haiti and Vietnam. You can also often unofficially spend US dollars at a number of places close to the US border in Canada** and Mexico.

It's worth noting that usage of the dollar might sometimes be restricted to major cities and tourist hubs. If you were heading out of Ho Chi Minh City and into the Vietnamese countryside, for example, it might be advisable to take a stock of the local Vietnamese currency, the dong.

Exchange rates

It's always worth looking at the exchange rates you are able to get before you leave the UK for both US dollars and the relevant local currency, then comparing this to the value of the dollar against that local currency. In many cases, it is easier to exchange the US dollar for the local currency once you are 'in country'. Outside the major cities in much of South America, for example, you will usually be able to exchange, and sometimes to spend US dollars. You might not be able to exchange pound sterling or euros however. If you cannot get a good deal on the local currency before you set off, it might be worth taking some cash in US dollars.

In the case of Vietnam, the dong is a closed currency, meaning it cannot legally be taken into or out of the country. You will generally be able to change pounds sterling, euros and other major currencies at banks, bureax de change and hotels in the cities. You can also usually exchange cash at the airport but if you want to make sure you have some spendable cash to hand before you arrive, you might have to take some dollars.

Torn or damaged notes

It's worth bearing in mind that many official money exchanges and private traders around the world will refuse to accept US dollars or any other foreign banknotes that are tattered, faded or torn. If possible, take only crisp, freshly minted notes in a range of denominations.

Other options

It's always handy to have at least a little cash to hand in whichever form you choose, in order to leave tips and make smaller purchases.

Remember also that some destinations may be more geared towards a cash economy and that many merchants, such as street vendors, are unlikely to accept credit or debit cards.

Sources

*https://www.bcu.org/FRCStrongDollarArticle.aspx?rwt=4

**http://www.munknee.com/all-14-u-s-border-states-to-adopt-canadian-dollar-as-their-official-currency-effective-july-1st/

Travel money series: Top tips for getting the best deal on your foreign currency

Ian Houghton — Wed, 27 Nov 2013 13:00:07 GMT

UK residents made 56.6 million overseas trips in 2012*. Trips to long-haul destinations like the USA were slightly down but overall spending was up, with Brits splashing out a total of £18.7 billion abroad. That's an impressive amount but what most individual travellers want to know is how they can make their travel budget go further. There might not be much you can do to control worldwide exchange rates but there are a number of tips that can help you get the best deal on your holiday money.

Choose the best forms of payment

There are a number of different ways you can pay for your purchases and other spending abroad. These can include:

• Cash

Foreign currency has the obvious advantage that you can spend it pretty much anywhere when you reach your destination.

However, if you are concerned about carrying around large amounts of cash, in case it is either lost or stolen, you may want to consider other more secure payment methods such as credit cards or prepaid cards.

You may also end up with unused cash at the end of your trip. When you buy your currency, check if there is a special deal on any 'buy back'. This will mean that you secure the same exchange rate on any currency you have left over at the end of your trip. However, it is important to note that you may need to pay an initial fee to use this service.

It is also important to check your travel insurance policy to check limits on how much personal money you can be compensated for in the event that your cash is lost or stolen. This limit may be dependent on your level of travel insurance cover.

Whatever your level of compensation for personal money you may want to consider using other payment methods in addition to using cash on your holiday.

• Credit cards

Major credit cards can be used in many locations around the world. If your credit card is lost or stolen, you will usually be covered for any fraudulent use as long as you have taken reasonable precautions and inform your card provider as soon as you notice it is missing. You may also have to report it to the local police and get a crime reference number if your card is stolen. Many card providers will have 24-hour helplines and facilities to get a replacement card to you if needed. There may be extra charges for using your credit card abroad.

• Debit cards

Debit cards can be used to make direct payments like credit cards. They can also generally be used to withdraw cash directly from an ATM abroad, but watch out for charges. If you are charged a set fee for each transaction, these can soon add up if you make lots of small withdrawals.

• Pre-paid cards

Pre-paid currency cards are 'pre-loaded' with a certain amount of your given currency. You can use the card until the funds are gone making it perfect for those travelling on a budget.

Pre-paid cards are becoming increasingly popular amongst travellers for several reasons. As well as helping you keep a rein on your holiday spending, the funds on the card can also be topped up at anytime. Prepaid cards also work in same way as a debit or credit card, so they can generally be used whenever you are out and about on holiday. As an added bonus some prepaid cards won’t charge you for ATM withdrawals and some may also offer you replacement funds for any currency that was left on the card in the event that it is lost or stolen.

Travellers’ cheques

Travellers’ cheques are pre-printed cheques that can be spent in certain locations such as hotels and restaurants, or exchanged for local currency at banks, bureaux de change and various other places.

Travellers’ cheques are increasingly being replaced with more modern payment methods, such as prepaid cards.

In fact recent research has revealed just how outdated travellers’ cheques have become, with just one in 12 travellers using them in the past year**

The Association of British Travel Agents (ABTA) also highlights that travellers cheques aren’t widely accepted in some countries***, while some countries such as Nepal have stopped accepting them altogether****.

However, one benefit of using travellers’ cheques is that they are generally safer than carrying cash as each one must be signed when you purchase it and countersigned when you spend it or cash it in. Each travellers’ cheque is marked with a serial number, meaning that if your cheques are lost or stolen, you can get replacements.

Look for the best overall currency deals

Even if you intend to do the majority of your spending on plastic or carry travellers’ cheques for their security, it's usually useful to take at least a small amount of cash. Not every transaction can be made using a card, such as when you make smaller purchases or buy items from street vendors.

When you do buy foreign currency, you should always look for the best overall deal available at that time. MoneySavingExpert’s Money Max section is a great place to compare travel money deals that are currently available on the market.

The exchange rate being offered is important, but watch out for fees and add-ons that can add to the overall cost. These could include commission charges and secure delivery fees. You might also be offered preferential rates the more money you exchange. If you are unsure which deal offers the best value for your holiday money, asking for the full terms and conditions attached to your foreign currency deal, including whether it is inclusive of all fees and charges, should help you to make a more informed choice.

As a final tip on exchanging cash, always try to avoid a last-minute panic buy at the airport or ferry terminal. Bureaux situated in and around transport hubs typically offer rates that reflect their premium location.

Choose the right card

If you choose to go with plastic, make sure you get the best card you can. Some cards add a 'load' onto their exchange rate, meaning you will always be charged a slightly higher exchange rate than the one the banks and financial institutions themselves get. If you use a debit card, check whether you will be charged a set fee for every transaction on top of the exchange rate.

Sources

*www.ons.gov.uk

**http://www.dailymail.co.uk/news/article-2331343/Journeys-end-travellers-cheques-just-12-holiday-makers-using-them.html

***http://abta.com/go-travel/before-you-travel/travel-tips/travel-money

****https://www.google.co.uk/#q=travellers+cheques+not+accepted+in+Nepal

Security Series: Top security tips for your foreign holiday

Ian Houghton — Thu, 21 Nov 2013 13:00:06 GMT

Whether its booked months in advance or just a few days before you fly, everyone looks forward to a holiday. What better chance is there to get away, relax, have fun and soak up the sunshine?

It’s easy to let your guard down when on a foreign holiday. British holidaymakers lose around £1.5 million1 every year as they’re targeted by criminals, according to figures from the National Fraud Intelligence Bureau. Other research has found that 7%* of Brits that have gone on a foreign holiday in the past two years claim to have been a victim of conmen or thieves.

With that in mind, it’s important that you keep security up and take some simple precautions to protect yourself.

Avoid theft

Local criminals are more likely to target holidaymakers as they know they’re in a foreign country and more relaxed than usual. More often than not, the theft is opportunistic, so it can be possible to prevent any attacks.

Start by keeping a low profile – if you are openly flaunting expensive jewellery and other valuables, you could make yourself an instant target. You should also keep your belongings safe by keeping them in your view, but away from windows and doors.

It’s unrealistic to expect people not to carry valuables with them, but by keeping them in different places, one theft is unlikely to result in the loss of everything. If you are staying in a hotel, it’s also a good idea to ask whether they have a safe for you to store your valuables.

Protect your home

Although you need to stay safe while abroad, you also need to think about your home while you’re away. There are criminals in the UK too, with one in 10** claiming they have been burgled while on holiday.

It’s important that your home doesn’t look empty – even if you are only going away for a few days. A pile of unopened mail is one of the first clues that no one is home, so ask a family member to stop by and collect it, or register with Royal Mail KeepSafe.

Make sure your home is secure, all windows and doors are locked, with any garden tools or ladders stored away.

With more people talking about their lives on social media, it’s important that you don’t advertise that your home will be empty. You might not know who is reading the information.

Get insured

Whether you’re jetting off somewhere exotic on holiday or enjoying a ‘staycation’, insurance is vital, but it’s all the more important on a foreign holiday.

Residents of the UK benefit from having free healthcare on the NHS, but the same might not apply in the country you are visiting. The European Health Insurance Card (EHIC) entitles Brits to basic healthcare in Europe, but it doesn’t apply elsewhere in the world.

Healthcare is just one of the many reasons that it’s important you have adequate travel insurance. If you valuables are stolen, you will need to make a claim to ensure you’re not left out of pocket.

Even the tightest budgets should be able to stretch to a single-trip policy. Make sure you take the time to search for quotes for insurance before you travel. Don’t forget your home insurance too in the event that something should happen while you’re away.

Stay safe on nights out

You’re on holiday; it’s only natural that you will want to experience the local nightlife. There’s nothing wrong with letting your hair down, but it’s important that you remain safe too.

If possible, plan your night out before you leave. That way, if you get separated from friends, you will know whether to return to your accommodation or go looking for them. It might also give you an idea of where they might be moving on to next.

One of the most important tips for staying safe on a night out is to guard your drinks. Drink caps are also available that are specifically designed to help prevent drinks from spiked.

Alcoholic drinks are often much stronger in foreign countries than in the UK, so make sure you don’t drink so much that you’re unable to make it back safely.

Finally, try to visit clubs and bars within walking distance. In the event that you do need transport, make sure it is prearranged or has been recommended by a holiday rep.

A holiday is often one of our favourite times of the year – it gives you chance to relax, have fun and rejuvenate, but it’s almost when you’re at your most vulnerable. However, by following these security tips, you will be able to enjoy your holiday and know that you’re as safe as possible.

Sources

*http://www.express.co.uk/finance/personalfinance/421092/Don-t-get-burnt-by-a-summer-scam

**http://www.thetravelmagazine.net/p-4237--travellers-risk-being-burgled-while-on-holiday.html

Travel Money series: A guide to closed currencies

Ian Houghton — Mon, 04 Nov 2013 19:00:05 GMT

Most currencies are able to be freely traded and exchanged around the world. If you want to pick up some Euros or US dollars for a forthcoming trip, it's a simple enough matter to walk into a bureau de change or even to order your currency online.

However, some currencies cannot be freely obtained outside the country in which they are used. Instead, you must change your currency on arrival. These are commonly known as closed currencies and taking them in and out of the country is banned. Some countries which have closed currencies include Morocco, Tunisia, Cuba and Vietnam.

If you are unsure about your destination, contact the relevant embassy before you traveltravel to check if you can obtain the relevant money in the UK.

Morocco

The official currency of Morocco is the dirham, denoted as Dhs. There are 100 santimat in a dirham and, as of October 2013, £1 sterling is worth around 13 dirhams. The dirham is officially designated a closed currency but you will usually be allowed to take sums of 1000 dirhams or less (about £75) in or out of the country.

It is still advisable to change your money on arrival. This can be done at banks, bureaux de change and many hotels. Larger hotels will often offer a similar exchange rate to banks and may not charge commission. It is illegal to change money on the street in Morocco, although some hawkers and traders may pester you to do so. Always keep the receipts from any currency exchange you make. You will need these to change the currency back again before you leave.

It is very difficult to change travellers’ cheques in Morocco.

Tunisia

The official currency of Tunisia is the Tunisian dinar, denoted as TND or colloquially as DT. There are 1000 milim in a dinar and, as of October 2013, £1 sterling is worth around 2.6 dinar.

It is illegal to import or export the currency so do not take any into or out of the country. You may be subjected to spot checks but if you need money immediately on arrival, you should be able to change or withdraw money at the airport. You can also exchange your currency at banks and hotels. The exchange rate is fixed by the government and you should be offered the same rate wherever you change your money.

Cuba

Cuba has two active currencies. The peso, or national peso, is used by Cubans within the country for day to day transactions. The convertible peso, denoted as CUC, is the currency you will generally be given as a tourist when you exchange your sterling. There are 100 centavos in a convertible peso and, as of October 2013, £1 sterling is worth around 1.6 pesos.

The convertible peso is a closed currency. You are not allowed to take the currency into or out of the country but can easily exchange it in banks, the CADECA (the Cuban bureax de change) and most hotels. The tourist exchange rate at the CADECA will usually be slightly lower than at a bank or hotel.

Vietnam

The official currency of Vietnam is the dong, denoted by VND or the symbol ?. As of October 2013, £1 sterling is worth around 33,750 dong.

If you exchange your cash for dong, you could easily find yourself a dong millionaire but while the dong is the official currency, the US dollar is widely used, especially in major cities. Some establishments will advertise prices in both the dong and the dollar, and sometimes other currencies as well. If you head out of the cities you may need to carry dong but many visitors rely on US dollars.

General advice

You can exchange major currencies such as British pound sterling and Euros in countries that have closed currencies. Some other currencies, such as the Irish pound, might not be accepted however. Scottish and Northern Irish banknotes might also be rejected. Coins and small notes might not be accepted so take larger denomination notes (£10 and up) if you are intending to exchange cash when you arrive.

All notes will usually be closely examined by ultra violet light and manual inspection. Torn, tattered and faded notes could well be rejected so it's best to go with only crisp, new, freshly issued notes. Keep receipts from any exchange. As you cannot generally take closed currency out of the country in which it is used, you will usually want to change it back before you leave, and will often need the original receipts to do so.

Major credit cards operated by Visa and Mastercard are usually accepted within the countries as a whole but might not always be accepted by a range of vendors. Individual merchants may place their own surcharge on any transaction made on credit or debit card. You can usually withdraw the local currency from ATMs using a debit card but there will generally be a charge applied to each transaction.

Sources:

http://www.completemorocco.com/morocco-an-introduction/currency/

http://www.thecubaexperience.co.uk/articles.asp?id=239

http://tunisia.oi-dev.co.uk/travel-info/currency

http://www.tripadvisor.co.uk/Travel-g293753-s601/Tunisia:Banks.And.Money.html

http://www.thecubaexperience.co.uk/articles.asp?id=239

How to keep up to date with changes to your holiday destination

Ian Houghton — Fri, 01 Nov 2013 19:00:10 GMT

Booking a holiday is something that many of us do – and look forward to – every single year. You work hard for around 11 months of the year, so the annual holiday is one thing you really look forward to.

Holidays are supposed to be a chance to rejuvenate, relax and escape the strain of daily life. The only thing you should have to actually worry about is booking the holiday.

Unfortunately, the stress doesn’t always end there - sometimes you are faced with changes to the destination you’ve chosen. There could be a number of reasons for this and it’s important you keep a look out for any changes to the destination before you go.

Checking with the FCO

The Foreign and Commonwealth Office (FCO) regularly posts updates on countries around the world and inform whether it is safe to travel there or not. In some cases they will issue warnings saying that all travel to a country or parts of a country should be completely avoided or advise against all but essential travel to all or parts of the country*.

The two main reasons why it may be advised against travelling to your chosen destination include hostile activity and weather changes. There could be political unrest in a country that wasn’t an issue when you actually booked.

If you were to travel during these periods you could be putting yourself and your family at risk. That’s why it’s important to check whether it’s still safe to fly to your chosen destination before you actually head off.

What to do if the FCO advise against travel

If the FCO have advised that you don’t travel to your chosen destination, you should contact your tour operator.

If it’s a little before your departure date the situation could change again so you may want to hold off cancelling the holiday until you know for sure the situation won’t resolve itself. It’s easy to start panicking when you notice a change on the FCO website, but in many cases the problems are often resolved before your departure date.

It’s also worth noting that unless it’s definite that you can’t travel to the destination, you won’t be able to cancel the holiday.

If the FCO has issued the warning 48 hours before you are due to fly to the destination, your holiday operator will cancel the holiday for you. In most cases they will offer you another holiday that matches the quality of the one you booked or they will give you a similar holiday and refund the price if the cost is different**.

Changes made throughout the holiday

You may find that you’re faced with changes to the holiday while you’re there - this can be a worrying time, but there are things you can do. Again, you’ll need to keep checking the FCO website to see whether any changes are reported and contact the holiday representative as soon as possible if it’s advised you don’t travel while you’re at the chosen destination.

All holiday representatives that are a part of the Association of British Travel Agents (ABTA) will try and move you to a safe location**.

When you have to return home due to war in the country, you won’t necessarily be entitled to compensation because it is seen as something that the holiday operator couldn’t have foreseen or controlled**.

Understanding weather changes

If the weather changes while you’re on holiday, you are unlikely to get a refund, because the weather is another thing that the tour operator can’t control. It’s your responsibility to check what the weather will be like at the time of flying out to your chosen destination.

However, again tour operators that are members of ABTA members will do all that is ‘reasonably possible to make alternative contingency plans’ if they have knowledge of weather events, such as a hurricane, in advance. This could include moving you to a different island/country or organising alternative accommodation at a different hotel/resort***.

This is one of many reasons that when you travel abroad; it’s recommended you always take out insurance. That way if you have a bad experience and the weather ruins the holiday, you can claim on the insurance policy.

Keep up-to-date with travel advice

It is important to check travel advice from the FCO at regular intervals, as well as paying close attention to the news. You can also sign up for the FCO’s email alerts.

Whilst it’s not possible to always guarantee that your holiday will run smoothly, there could be times when you need to cancel or re-arrange your dates.

Using the FCO to stay updated and checking the news frequently will help you to determine whether any changes need to be made.

Sources

*https://www.gov.uk/foreign-travel-advice

**http://www.adviceguide.org.uk/scotland/consumer_s/travel_leisure_and_food_e/consumer_holidays_e/accident_illness_and_emergencies_on_holiday_e/you_think_your_package_holiday_destination_might_be_dangerous.htm

***http://abta.com/resource-zone/faq/677

The Benefits of Annual Travel Insurance

Ian Houghton — Thu, 19 Sep 2013 13:00:06 GMT

There are so many things to remember when planning a holiday that travel insurance often gets left to the last minute, completely forgotten or just ignored. However, it should be an essential as it provides important protection in the event that anything goes wrong, from the mildly annoying to catastrophic.

By not obtaining insurance, holidaymakers could be putting themselves at risk of thousands of pounds of unnecessary costs. By getting cover you'll be protected against a whole host of things, such as flight cancellations, medical expenses and lost or stolen luggage. What’s particularly important in countries without a state-funded health service, as the cost of hospital treatment can easily run into the tens of thousands.

What types of travel insurance are available?

As with most insurance policies, there are different types and levels of cover, so holidaymakers will need to consider their needs. Travel insurance is available as either a single-trip or multi-trip policy, with either European or worldwide cover.

Single-trip vs. multi-trip: Annual travel insurance cover is designed to help people that travel more than two or three times a year get cheaper cover. It often works out a lot cheaper than buying several single policies. Whether you're a single person, couple or large family, annual cover can be more cost effective.

European vs. worldwide: The type of cover you go with obviously depends on where you travel. Remember that if you're holidaying within the EU, you can benefit from reduced medical treatment costs with an EHIC (European Health Insurance Card). However, it's important that you still have a suitable travel insurance policy as the EHIC only covers state healthcare in EU countries, and does not provide cover for countries outside of the EU or compensation for repatriation, loss of valuables etc.

What does it cover?

Travel insurance varies between providers, so what one policy covers another won't, whereas another may offer a more limited range of benefits. The amount of cover you need will depend on your personal circumstances, but the most important values to consider are the cost of the holiday and baggage.

Annual travel insurance may offer more cover than single-trip policies, but they still have exclusions – most commonly dangerous activities such as skiing and watersports.

In general, you should expect most policies to provide protection against cancellations, loss of baggage and medical expenses, but more comprehensive policies may also offer legal expenses, helplines and injury or theft.

Asda Travel Insurance has three different levels, giving policyholders the flexibility to choose the cover they need. When comparing policies, you'll need to look at the level of cover. When you take out a policy, make sure you know exactly what your insurance includes, to ensure that you have the right level of cover for your needs.

For example, with Superior Cover, you'll benefit up to £5,000 if you need to cancel or cut your holiday short, unlimited cover for medical expenses, £2,000 to cover your personal belongings and up to £500 cover for your holiday money.

This is compared to the Asda Value Travel Insurance policy, which while it still includes unlimited medical cover, has reduced levels of cover for cancellation, personal possession and other benefits.

However, this policy offers cover at a reduced price, which may be suitable for travellers on a smaller budget.

What are the advantages?

Cover all year round

It's typical for consecutive travel to be capped to a specific amount of time, but in general, you'll be able to go on an unlimited number of trips. You're not limited to just a week or two though, your covered for up to 30 days per trip, and a total of 90 days per year.

Cheaper

Annual insurance tends to work out cheaper than single trip policies, if you're travelling more than once a year. To work out if you would benefit from annual cover, add up the cost of the multiple single-trip policies and see which offers better value for money.

Convenience

It's easy to forget to buy travel insurance, despite the fact that the process of securing a policy can take a matter of minutes. With so much to plan and prepare before even stepping foot inside the airport, insurance can slip your mind. By having an annual policy in place, you won't even have to worry about it.

UK travel

Although insurance is most commonly associated with holidays abroad, things can also go wrong when embarking on a staycation. However, with annual multi-trip policy, you'll be able to benefit from protection when spending at least two nights away in the UK as well.

Extra protection

Asda Annual Travel Insurance provides you with the added protection of cover in the event that your scheduled airline goes bust – what’s more the Superior product provides additional cover to include your hotel, tour operator and car hire firm.

A guide to the countries behind Asda Money's top 10 Currencies

Ian Houghton — Mon, 16 Sep 2013 19:00:11 GMT

Heading off on holiday is something we all look forward to, and getting our foreign currency organised is something that normally features high-up on our pre-flight to-do list.

Brits spend an average of £554.40 per person* on their annual holiday, and many are keen to ensure that every penny counts on their break abroad.

Securing the best rates on our travel money is just one way to do this, ensuring that we are able to get more bang for our buck to enjoy cultural sites, days out at the beach and more.

Here are the top ten currencies** snapped up by holiday going Asda customers before their stint in the sun.

1. Euro

The Eurozone crisis may have hit EU countries hard, but Brits are still heading to the continent in their droves. In fact, the weakening EU economy has meant that travellers have been able to snap up travel bargains in locations such as Greece and Spain. With many Mediterranean locations just a few hours away from UK, it’s no wonder that Brits are packing their bags each year for tourist hotspots such as the Canary Islands.

2. US Dollar

The land of promise has a lot to offer individuals and families. As well as the kid-friendly Disneyworld and SeaWorld resorts in Orlando, holidaymakers can shop until they drop in New York or kick back and relax on the beautiful beaches of Cape Cod. The US has always been a traditional stomping ground for British tourists, with 5.5 million Brits heading stateside each year***.

3. Turkish Lira

From the thriving capital of Istanbul with attractions such as Topkapi Palace, home to generation upon generation of sultans, and the imposing Galata Tower, as well as the crystal clear waters of the beach resorts such as Oludeniz, Turkey has much to offer both individuals and families. Take a boat ride out to the travellers’ mecca of Butterfly Island or rub shoulders with fellow Brits at popular resorts such as Marmaris.

4. Australian Dollar

The Land Down Under has something to cater to all tastes, from the bustling beaches of Bondi to the splendour of the Great Barrier Reef in Queensland. Fans of the outdoors will love the multitude of watersports and activities on offer and the great expanses of open land that are on offer in Australia’s vast outback.

Australian’s are also a famed for their laid back attitude to life, which makes Australia a great location to fully unwind in.

5. Canadian Dollar

Canada offers the perfect mix of bustling cities and sweeping countryside. For those who want to live it up the cities of Toronto, Vancouver and Montreal all offer an array of shopping malls, eateries, bars and clubs. Those who are looking for a more leisurely holiday will love the charm of Nova Scotia, home to Prince Edward Island the fabled setting of the Anne of Green Gables novels.

6. Egyptian pound

Despite the recent unrest in Egypt, travellers are continuing to flock to popular beach resorts in the Red Sea. The Foreign and Commonwealth Office (FCO) has excluded the entire region of Sharm el Sheikh, Taba, Nuweiba and Dahab; from its ‘all but essential travel’ advice on Egypt****. Spend the day relaxing on the beach or organise a swimming or snorkelling trip to get a glimpse of Egypt’s coral reefs and wide variety of tropical fish.

7. Mexican Peso

With its vibrant Hispanic culture, rich history and stunning stretches of coastline, Mexico has a host of activities that will keep even the most seasoned of travellers occupied. From the famed pyramids at sites such as Chichen-Itza and Palenque, to the varied nightlife and array of Mexican eateries in towns such as Merida and San Cristobal; Mexico’s many sights and sounds are an awe inspiring experience. After a hard day or two of sightseeing, you can also relax on the beaches of Playa del Carmen or swim with whale sharks in the waters surrounding the Isla Mujeres.

8. Thai Bhat

Despite being a firm fixture on the tourist map for a number of decades, many parts of Thailand have still managed to retain their original charm and beauty. The land of paradise islands, Buddhist temples and sweeping swathes of countryside is the perfect place to experience a uniquely different culture. Sample traditional Thai cuisine at one of the many famed street food stalls in Bangkok or kick back and relax on unspoilt islands such as Ko Lipe and Ko Tarutao.

9. Bulgarian Leve

Several surveys have placed Bulgaria’s capital Sofia as one of the most affordable city in the world, with a package including a four-star hotel stay, dinner for two and more coming in at just £103.91*****. Bulgaria is the perfect destination for both summer and winter holidays, with beach resorts along the Black sea such as Varna and popular ski resorts including Bansko, Borovets and Pamporovo.

10. Emirati Dirham

Dubai, Qatar and other Emirati states offer the chance for Brits to indulge in a spot of opulence on holiday. Forget 3-star, 4-star or even 5-star living, in Dubai it’s possible to enjoy 7-star luxury in the imposing Burj Al Arab hotel. The Emirates also offer beautiful stretches of coastline and those that are looking for adventure can head out into the desert for a night of 4 x 4 driving followed by camping out under the stars.

Sources

*http://www.dailymail.co.uk/travel/article-2348999/British-travellers-spend-just-554-annual-holiday.html

** Data taken from January 2013

*** https://www.gov.uk/foreign-travel-advice/usa

**** Correct as of September 4th 2013 https://www.gov.uk/foreign-travel-advice/egypt

***** http://www.travelbite.co.uk/travel-news/2013/06/11/sofia-tops-best-value-chart-in-tripadvisor-city-costs-survey

Traveller’s Cheques vs Pre Paid Cards

Ian Houghton — Mon, 29 Jul 2013 13:00:05 GMT

Whatever your destination and reason for travelling, carrying large amounts of cash when abroad, can be a risky business. If your wad of cash is lost or stolen, it could easily turn a dream trip into a nightmare. Even if you've sensibly taken out travel insurance, there is usually a limit to the amount of cash covered. Traveller’s cheques were once one of the most popular alternatives to carrying cash but they've increasingly fallen out of favour, while pre paid currency cards are becoming more common.

Traveller’s cheques

Traveller’s cheques are generally seen as a safe alternative to carrying cash. They take the form of pre-printed paper cheques for a set amount and you can purchase them in sterling or foreign currencies. When you buy travellers cheques, you sign each one. You should also make a note of the serial numbers of each cheque and keep them somewhere safe.

When you spend or cash a cheque, you will be asked to countersign it so that the person accepting it can check the signatures. If your cheques are lost or stolen, you can use the serial numbers to get replacements. Make sure the numbers are not kept with the cheques themselves. If you had both in your wallet, for example, and that was lost or stolen, you might have difficulty obtaining replacement cheques. As a fallback, some people leave a copy of the numbers with a relative or trusted friend who they can call back home.

Pre paid cards

Pre paid currency cards are small plastic cards that look like a debit or credit card. You top it up with funds from your bank account, which are converted into the currency of your choice. You can then use it just as you would a credit or debit card; making direct purchases or withdrawing cash from an ATM. As with traveller’s cheques, you can order a replacement card if yours is lost or stolen and additional help may also be available. The Asda Money Currency Card, for example, has a 24 hour helpline and can usually issue an emergency cash replacement, up to the available balance on your card.

Travel Money Advantages and disadvantages

Traveller’s cheques and pre paid currency cards are both safer than carrying cash abroad. It's generally handy to carry some cash however, as not everywhere accepts traveller’s cheques or cards.. Many vendors will accept them as direct payment but you might also find yourself queuing to cash them at a post office or bank. Pre paid cards are generally backed by Visa or Mastercard and are accepted anywhere you can make a payment with a Visa or Mastercard credit card.

Both can be used to obtain cash. With traveller’s cheques, the amount you can cash depends on the denominations of your individual cheques. There may also be a commission to pay. Pre paid cards can be used to get cash from an ATM and most can also be used to get over-the-counter cash at banks and bureaux de change. Most card providers do not charge for cash withdrawals at ATMs, but there may be a charge from the ATM operator. There will also usually be a charge for making an over-the-counter withdrawal.

Many people see the fact that both traveller’s cheques and pre paid cards have a preset value as an advantage over credit or debit cards. This can help prevent you from overspending or going over-budget. With pre paid cards however, it's also usually possible to 'top up' with additional funds. This can make them ideal for parents with teenagers travelling abroad. The Asda Money Currency Card, for example, can be topped up at any instore Asda Travel Money Bureau or remotely by phone or online. If you are running low on funds and a vendor accepts split payments, you may also be able to pay for part of a purchase with your card and part with cash or another payment method.

If you buy travellers cheques in your destination's currency, the currency exchange rate is set at the time you make your purchase. The same is true when you pre-load your card with funds in another currency. It's worth noting that some vendors and ATM operators give you the option of paying in sterling rather than the local currency. This service, known as Dynamic Currency Conversion (DCC) can be useful in letting you know roughly how much you're paying in pounds. There will generally be a conversion fee however, so paying in the local currency will generally be the cheaper option.

A guide to getting the right cover for your family on holiday

Ian Houghton — Fri, 26 Jul 2013 19:00:06 GMT

When you're looking for travel insurance, the bottom line isn't always the most important thing. Price is important but you should also make sure you have adequate cover for your family if anything does happen to go wrong. The cover you need will depend on your own requirements and circumstances but ASDA Travel Insurance quotes can help ensure you get the right kind of cover at the right price for you and your family.

Some of the cover you'll want to consider include:

Holiday medical expenses

Hopefully you won't need to seek out medical treatment while you're away but accidents and illnesses can happen on even the shortest of trips. Medical emergencies can ruin a family holiday but it would be even worse if you also had to pay a huge bill and medical treatments can be very expensive. In general, you should look for cover of at least £2 million in Europe and £5 million worldwide. This really isn't excessive when you consider what could happen, which is why some insurers like ASDA provide unlimited cover. Also look out for special clauses such as emergency dental treatment, which is not covered by some policies.

Don't be tempted into thinking that the European Health Insurance Card (EHIC) will cover all eventualities if you're holidaying in Europe. The EHIC entitles you to the same level of public healthcare as a resident of the country you're visiting. This doesn't always cover all treatments however and few European countries have public healthcare as extensive as the NHS. The EHIC will not cover any private medical treatment or emergency repatriation if you are seriously ill and need to be flown back to the UK.

Personal accident cover is related but pays out a lump sum if you suffer an injury that leads to certain permanent disabilities or if the worst happens and you or a family member should die.

Travel Cancellation

Cancellation or curtailment cover can protect you if you are forced to cancel or cut short your trip for valid reasons. These may include circumstances such as losing your job and no longer being able to afford a holiday, or the death of a family member. Ideally, the level of cover should be enough to cover the entire cost of the holiday.

Many policies will also compensate you if your flights are delayed, usually by 12 hours or more. Some will even pay out for accommodation and alternative travel if you miss your flight. Again there has to be a valid reason, such as an accident or breakdown. You will not usually be covered if you simply set out late or plan your journey badly.

Holiday lost or stolen items

The level of cover you need for personal belongings and baggage will to a large extent depend on what you take with you. Don't forget that there will usually be limits in standard travel insurance policies on the amount you can claim for any single item and sometimes for categories of items such as sporting equipment and mobility aids. If you are travelling with particularly valuable items such as laptops or expensive sporting equipment, it might be worth taking out additional cover.

Your travel insurance should also cover you if your baggage is significantly delayed, allowing you to buy essential replacements that you and your family need until it turns up.

Legal costs and personal liability

Personal liability cover protects you from the costs of someone else making a claim against you if you should accidentally cause them to be injured or damage their property. Potential costs can vary widely depending on the country and circumstances but you should probably aim to have cover for at least £1 million. Legal expenses cover can also help should you need to engage a legal professional.

Other holiday insurance considerations

If you are going to make more than one trip in a 12-month period, it might be worth looking into purchasing annual or multi-trip cover. This is generally more expensive than single-trip insurance but can be better value for money than buying several individual policies.

Most insurance policies will have a list of exclusions for activities that are deemed particularly risky. If you're planning on participating in potentially dangerous activities such as scuba diving parasailing or bungee jumping while you're away, you should check if you are covered for any injuries sustained in the course of these activities.

Skiing and other winter sports holidays are popular with families and specialist winter sports policies are available to cover these trips. These will usually cover you against injuries sustained whilst participating in such sports and can also cover expensive equipment and other eventualities such as piste closure and lost ski passes.

A guide to getting the best deal on your holiday money

Admin — Thu, 04 Oct 2012 15:44:43 GMT

We all love to find great deals on flights, hotels and excursions for our holidays but many people still leave exchanging their holiday money to the last minute, which can mean that you pay more than you need to.

If you want to get the best deal on your holiday money then follow our guide to find out how to make the most of your cash.

Should I use a credit card abroad?

With credit and debit cards so easily available it can seem like a more sensible options to use these when abroad, rather than paying for things with cash, but this is not always the cheapest method as some countries impose fees on credit card transactions made overseas.

Always find out about the charges you will incur for using your credit card abroad as larger banks do impose strict regulations surrounding how much you can be charged but card issuers can set their own rates. Using your credit card can also provide you with greater consumer protection when making purchases.

Taking a credit card with you on holiday can come in handy, although it's not advisable to use a debit card as you can be charged a substantial fee for using it when abroad.

What other forms of payment can I use when I am holiday?

Using cash when on holiday will help you keep track of exactly how much you are spending and you'll avoid paying transaction fees. However, it's much easier for thieves to steal and spend cash than it is for them to use your credit card, so make sure you keep the amount of cash you carry with you at any one time to the bare minimum.

Up until recently travellers cheques were a popular way of spending on holiday but these days the use of travellers cheques has become more rare, mainly due to the fact that it's can be hard to verify whether a cheque is genuine so retailers are reluctant to take them. It can also be more complex to exchange travellers cheques as very few bureaux de change and banks now accept them and those that do will charge considerable fees to exchange them for cash.

Today, pre paid cards have become a popular way of spending abroad. With a pre paid card you transfer the amount of cash you want before you go away, meaning you are locked into the exchange rate. You can then use your card to pay for most things while on holiday as they're generally accepted by retailers, bars and restaurants. A pre paid card is often considered to be a more secure option that using cash or travellers cheques and you won't incur the same sort of fees as you would for using your credit card.

How can I get the best deal on my travel money?

You can exchange money at the bank or in many travel agents and several tour operators are now offering great deals on money exchange in order to compete with the banks. You can also order cash from a number of different vendors online using a debit card and arrange to pick the money up from a local branch.

If you shop around in advance of your trip and pay for your currency over the internet you can also find good offers for currency that you can collect at any airport or ferry port. Collecting your holiday cash from an airport or ferry port could save you both time and money.

Although there may be regional variations in the exchange rates, many providers will offer rates that are fixed UK wide so that you can ensure that you are getting the best deal for your money wherever you are.

Choosing travel insurance

If you choose a package holiday then the company will generally offer travel insurance as part of the price, but you aren't obligated to buy the insurance that a tour operator is offering. To find the best deal don't be tempted to choose the insurance offered with a holiday or flight straight away, as it may be more expensive.

Always shop around and get a few quotes to make sure you find a good deal that covers you for everything you need and always ensure that you have protection in place if you are the victim of theft or lose your money.

When choosing insurance find out exactly what you are and are not covered for and what you will need to do to make a claim for lost or stolen money. Most insurers will set a limit on the money you can claim so make sure that you limit the cash you keep on you so that you don't end up losing out if you need to make a claim.

You may also want to add winters sports cover to your policy if you are heading off on a skiing trip and other extras such as cover for items such as personal effects and baggage and personal money if these aren’t already included on your policy.

A guide to finding the best deals on foreign currency

Admin — Thu, 04 Oct 2012 15:44:39 GMT

Everyone loves to save as much money as possible on their holidays and many of us will take the time to shop around for great deals on flights, accommodation and other costs. But we often don't do the same when we're exchanging money.

With thousands of providers competing for your business, there are some fantastic deals to be had when exchanging your money for foreign currency, so make sure you take advantage of what's available and find the best deals and exchange rates available.

Shop around for the best deal

The internet is usually the first place we turn to when looking for a service, and finding great deals on foreign currency is no exception.

Fees and exchange rates can vary significantly from company to company, so taking time to do your homework, rather than exchanging at the last minute, can be very beneficial and can save you a significant amount.

However, you don't have to rely on the internet to get a great deal on exchanging money. Many high street travel agents and supermarkets are offering cheap foreign exchange deals as well.

Buying online

There are many advantages to converting your cash online. Many providers will offer discounts for online transactions as it’s quicker and easier for them to process and others will offer perks online that you can't take advantage of if you buy directly.

Should I use cash on holiday?

Having cash available when you're on holiday can be very useful, and is ideal for handling smaller transactions. However, you can use other methods to pay for things while overseas and each method has its advantages and disadvantages.

Travellers’ cheques

In recent years travellers’ cheques have fallen out of favour and are now used fairly infrequently. This is because it's more difficult for retailers to verify travellers’ cheques and guarantee that they will receive money, so they are sometimes reluctant to accept them. However, travellers’ cheques are also generally quite cheap, safe and accepted globally, so they undoubtedly have their benefits.

Debit cards

It's possible to use your debit card in most overseas countries but bear in mind that you can be charged considerable fees for withdrawing cash from an ATM abroad using your debit card, and you will also be charged for making chip and pin payments. If you want to use a debit card when abroad, make sure you find out how much you will be charged so you don't end up with any nasty surprises.

Credit cards

Most credit card companies will charge you for using a credit card abroad but in general you won't be charged as much as you would if using a debit card. When travelling overseas contact your credit card company before you leave to find out what charges you will incur for using your card.

Pre payment cards

Pre payment cards are fast becoming one of the most popular methods for spending overseas. You transfer money to the card before you travel and can then use it as you would a credit or debit card. The advantage is that you won't be charged as heavily for using a pre payment and you can take advantage of fixed exchange rates.

Exchanging your cash en route to your destination

London shoppers can take advantage of some of the best exchange rate deals available so if you need to travel through London to get to your destination it can be wise to exchange your money in the city too.

With many Bureaux de Change throughout the city, a quick stroll around will allow you to compare exchange rates and choose the establishment that's offering the best deals. As exchange rates can vary from day to day, it can work out cheaper than making an online purchase in advance.

Insure your money when on holiday

Whichever foreign exchange deal you choose, always make sure that your travel insurance includes protection if your money is lost or stolen. When choosing travel insurance find out exactly what is on your policy, and what to do if you need to make a claim. The last thing you want is to be left stranded in a foreign country with no money, so putting adequate insurance in place will safeguard against this.

All insurers will set a limit on the amount you can claim if your money is lost or stolen, so find out what your limit is and make sure that any cash you carry is less than the limit you are able to claim for.

Travel money jargon buster

Admin — Thu, 04 Oct 2012 15:44:37 GMT

With so many different providers offering foreign exchange it can be difficult to know where to start, and if you don't know the basics, you could end up paying over the odds. So take a look at our guide to travel money jargon to make sure you get the best deal.

What is travel money?

Your travel money is the funds you have available when overseas, but this doesn't just mean cash. You can also carry a credit or debit card, a pre paid card or travellers’ cheques.

Travellers’ cheques

Using travellers’ cheques is an alternative to carrying cash. You sign your cheques when you receive them and they can then be used as payment when travelling abroad.

When you use a cheque you'll receive change as you would with cash. But unlike cash, as long as you note down the serial numbers of your cheques, you will be able to get them replaced if they are lost or stolen.

Prepaid cards

Prepaid cards are fast becoming one of the most popular ways to spend money on holiday. You can put money on your prepaid card in the same way as you would with a phone top up card or store gift card.

The main advantage of using a prepaid card is that you know exactly how much money you have on there, so you can control your spending. It is also worth noting that they can be more secure than other options in these circumstances.

Credit cards

A credit card provides you with credit to withdraw cash to make purchases up to a pre determined limit. You pay interest on the money you spend but can pay back the cash in affordable increments.

When you use a credit card to make a transaction you will be charged a fee, check with your provider to find out exactly what costs you could incur. You can also use a debit card when abroad, but many providers will charge you a fee for this too.

Loading fees

You may be charged a 'loading fee' for converting your money when making transactions in a foreign currency, which is generally around 2.5%.

Exchange rate

An exchange rate describes how much of one currency you will get when it's converted for another currency. So if you are travelling to the USA the exchange rate will determine how many US dollars you get for your pound.

Exchange rates can vary on a daily basis and different providers can offer different exchange rates, so look for the best rate when changing your money. When you exchange money you'll also be charged a commission fee by your provider for the cost of converting your cash.

Cash withdrawal charges

When you are abroad it's possible to withdraw cash from an ATM using a credit or debit card. The majority of banks and building societies will charge a transaction fee for any withdrawals which will be a percentage of the amount you take out. When you make a withdrawal this charge will generally be increased and can be quite expensive, so make sure you know how much you will be charged before you make a withdrawal.

Dynamic currency conversion

Dynamic currency conversion is a unique process that allows certain retailers to convert your bill into your home currency (such as sterling) if you are using a credit/debit card overseas. In many cases, due to the specialist nature of the service, the retailer may apply a higher exchange rate for carrying this out.

However, you may consider such a sacrifice to be worth it if you can see the exact price of what you are paying for in a currency you are comfortable with and are used to dealing with. It may be worth checking each slip or bill before entering your PIN as the retailer may not necessarily always ask you.

Commission charges

Commission charges represent the fee that that the currency converter will typically charge for its services. In many cases, they will also be applied to travellers’ cheques.

Handling fees

A handling fee simply represents the amount of money which is charged by the seller in order to carry out the exchange into foreign currency.

Travel money guide

Admin — Thu, 04 Oct 2012 15:44:33 GMT

When it comes to travel money, to get the most bang for your buck you need to find the best exchange rate.

To learn more about this and other ways to make the most of your holiday cash, read our travel money guide.

Withdrawing cash abroad

It can be advantageous to withdraw cash abroad if there is a lower exchange rate than in your home country. But it is often difficult to know exactly what the current exchange rate is at the time you're using an ATM, and you'll have to wait for the charge to be credited before you'll know exactly how much you've paid.

In addition, some banks will charge a fee for transactions you make whilst abroad. But many now waive that fee if you use an ATM that belongs to your bank, so find out what fees you are likely to incur before you travel. If you use a credit card to withdraw cash, rather than a debit card, you can incur considerable fees for doing so.

Withdrawing cash abroad using a credit card

With any credit card transaction you carry out, you'll be charged a fee by your bank or building society, but if you are abroad these fees can dramatically increase. However, you won't be charged as highly if you use your credit card to buy services or goods when abroad.

If you want to make sure you can keep track of your money when using a credit card overseas, find out exactly what the charges are from your provider before you travel. This means that you won’t end up spending more than you bargained for.

Exchanging with banks or Bureaux de Change

If you want to convert your cash before you travel, exchanging at banks or the Bureaux de Change can be your best bet. You can compare rates of exchange online and find the provider that's offering the best deal but don't forget that anybody that exchanges money will charge a transaction fee. So it’s best to find out what this is and factor it in to the costs you incur.

How much cash should I exchange?

It's much better to convert all the cash you need at one time rather than making several exchanges, as you'll be charged commission and administration fees on any transaction you make. You may even find providers who offer discounts for larger transactions.

You can also look for providers that offer buy back schemes, where you can sell any leftover currency back to them for a good rate, meaning you won't lose out if you have cash left over.

One of the main advantages of using cash when travelling abroad is that it will be accepted anywhere. Many countries do not accept credit and debit cards that are widely used in the UK, so it's always wise to have cash available just in case. In some countries, such as India, many retailers will accept US dollars or sterling as payment, but you'll often get a better deal if you use the local currency.

Should I use travellers’ cheques or prepaid cards?

Travellers’ cheques and prepaid cards can be useful to have on holiday because you can easily replace them if they are lost or stolen. With a prepaid card you can add as much money as you like and top up your cash in the same way as you would with a mobile phone or gift card. You can even withdraw money from an ATM using a prepaid card, although you will be charged a fee.

The advantage of travellers’ cheques or prepaid cards is that they can offer greater security because you can get them replaced if lost or stolen, so you won't lose your money. However, if you’re travelling to more remote areas, you may find it difficult to use them to make transactions.

Protect your money with travel insurance

In most cases it's advisable to have a mix of different ways to pay when you're on holiday, so include some cash and take a credit, debit or prepaid card too.

You're under no obligation to buy travel insurance when going overseas but it can be very useful if your money is lost or stolen. If you want to protect your cash when abroad then make sure the travel insurance you choose includes claims for lost or stolen money so you don't lose out.

In addition to your insurance, find out what to do if you need cash quickly and make sure you have extra funds available in your account in case of emergency.

Putting a little work into finding the best deals on travel money can help you make significant savings, and insuring your holiday cash will give you peace of mind while you're travelling.

Travel insurance for over 65s

Admin — Tue, 18 Sep 2012 15:20:32 GMT

More and more over 65s are choosing to travel abroad these days, but if you are in this group it is worth noting that some insurers may impose an age limit or only offer cover at a higher premium. However, there are policies available that are specifically designed with the older traveller in mind.

What is over 65s travel insurance?

Many over 65s travel abroad. Retirement can result in more free time for travel and other leisure activities. Unfortunately, you will usually be considered a higher risk customer on turning 65, even if you are generally fit, healthy and active and have no pre-existing medical conditions.

Insurers may have one age bracket for people aged 18-64 and another for those aged 65 or over or there may be other boundaries put in place. Some insurers charge higher premiums for customers as soon as they hit 50. Some may not offer cover to the over 65s at all.

Travel insurance for over 65s may have different costs than insurance for younger customers. It can sometimes have a more rigorous application process but it may also provide higher levels of cover.

What does over 65s travel insurance cover?

The list of eventualities covered will vary from insurer to insurer and between individual policies but will often include injury and illness cover, cancellation cover and loss or theft of baggage, personal belongings and holiday money. Over 65s travel insurance may also cover you if you have to cut short or cancel your holiday because of illness, injury or the death of a relative.

A policy may provide personal liability cover in case you injure someone or cause damage to property. It may also cover the costs of emergency repatriation. There may be a 24 hour emergency hotline and you may be able to get help if you lose your passport or other important documents.

Different policies will have different exceptions and levels of cover. If you would like to be covered for an eventuality that is not part of a standard policy, it may be possible to have it added as extra or extended cover. This will usually increase the premium you have to pay.

What does an EHIC card cover?

If you are travelling in Europe, a European Health Insurance Card (EHIC) can allow you to receive free or reduced cost medical treatment. The card is free and entitles you to the same medical treatments as a resident of the country you're visiting. This may not be the same as treatments available on the NHS, however, and patients may be expected to meet some or all of the costs. The EHIC does not cover any private medical treatment. It does not cover the cost of emergency repatriation either, which can be very expensive.

Benefits of travel insurance for over 65s

Travel insurance for over 65s does tend to be more expensive but there may be certain benefits. Some insurers take the view that older customers may be less likely to participate in dangerous activities such as bungee jumping and water sports and may adjust their prices accordingly.

The level of cover offered, particularly in regards to medical expenses, may also be considerably more for over 65s than that offered on a standard policy.

Single trip and annual travel insurance

Single trip travel insurance covers the policy holder for the duration of a single trip. There is usually a maximum duration and the length of the trip can have a bearing on the cost of the premium.

For anyone who travels more than one or two times a year, annual travel insurance may offer a more cost effective solution. This provides cover for multiple trips taken within the space of a year. Annual travel insurance is typically more expensive than a single trip policy with a comparable level of cover but it may cost considerably less than several single trip policies combined.

For over 65s, annual travel insurance can be more expensive, where it is offered at all. Costs do vary between insurers and individual policies, however, and annual or multi-trip insurance can still be considered for older travellers who take several trips per year.

Pre-existing medical conditions

A pre-existing medical condition is one that has been diagnosed or treated before. Pre-existing medical conditions can affect the cover you are offered or the premium you have to pay. They may even preclude you from some policies altogether.

It is quite standard for an insurance company to ask quite detailed questions regarding health issues before providing cover for a customer who is over 65. Some may also request you attend a check-up or physical examination.

If any facts or relevant information concerning an applicant's health are not fully disclosed, it could invalidate their policy when and if they come to make a claim. Customers with pre-existing medical conditions can often be catered for, albeit at higher costs, so that they have a certain amount of cover in place to meet their needs on holiday.

Hand luggage restrictions

Admin — Tue, 18 Sep 2012 15:20:24 GMT

Hand luggage, also known as cabin baggage, is the luggage you are allowed to take with you in the passenger compartment of a plane. There are generally restrictions on the number of bags you can take, the size and weight of those bags and the items you can take on-board the flight.

Size and weight of hand luggage

The Department for Transport used to set the maximum size for an item of hand luggage at 22in x 18in x 10in (56cm x 45cm x 25cm). This included wheels, handles and any external pockets. The Department for Transport has not set maximum size limits for hand baggage since April 2010 but individual airports and many airlines may have their own rules concerning the maximum dimensions allowed.

These can vary quite widely depending on the airport and airlines involved but are unlikely to be greater than the old Department for Transport restrictions. Heathrow Airport, for example, stipulates the same maximum dimensions as the old Department for Transport restrictions. Depending on the airline a customer is flying with, there may be further restrictions regarding the maximum size allowed.

Hand luggage will generally also have a maximum allowable weight. Hand luggage is generally required to be stowed beneath the seat in front or in the overhead lockers before take-off.

Most airports and airlines will clearly state the maximum sizes and weights for hand luggage online, and customers can usually phone or email if they have any queries. If a customer turns up with hand luggage that exceeds the maximum size and weight limits, they may be asked to check it into the hold. There may be a charge for doing this.

Number of bags

Many airports and airlines stipulate that each passenger can only carry a single item of hand luggage with a maximum size and weight. Some may also allow a laptop carrying case or another small item such as a handbag in addition to the regular piece of hand luggage. Laptops and other electrical devices, whether they are packed in the regular hand luggage or in their own carrying case, must generally be removed and screened separately at security.

Some airlines will allow musical instruments to be brought on-board as hand luggage. If they exceed the size and weight restrictions for regular hand luggage, the airline may require the customer to book an extra seat for the instrument.

Travelling with an infant

If a customer is travelling with an infant, they may be allowed to bring a car seat or baby basket in addition to their regular hand luggage allowance. Collapsible prams may have to be stowed in the hold for the duration of the journey and returned at the end of the flight.

Travelling with reduced mobility

There may be special allowances for travellers with mobility problems, which can include items such as crutches and prostheses. Essential medical equipment such as dialysis machines will also usually be allowed. It's generally advisable for travellers with mobility problems or medical issues to contact the airline in advance to discuss their individual needs.

Supporting evidence such as a letter from the customer's doctor may also be required. Issues such as this will also be covered by the terms and conditions of your specific Travel Insurance* policy.

Travelling light

Hand luggage differs from hold luggage, which is stored and transported in the cargo hold of the aircraft. Suitcases, large bags and other bulky items must typically be checked in at the airport and transported in the hold.

Some airlines, particularly budget airlines, charge for transporting any items of hold luggage. Others will take luggage up to a certain weight or number of items for free, with charges for taking additional amounts. It can also take longer to get through arrivals if you have to wait for your baggage to arrive on the carousel.

Given these issues, some travellers are choosing to travel with hand baggage only. This is not always possible and it may depend on the nature and duration of the trip. But by stripping down to the essentials and packing effectively, many travellers find they can cut down on baggage charges and queues alike.

Restricted items

Some items are not allowed on the aircraft at all. These can include poisons and toxic substances (such as rat poison), acids and alkalis, car batteries, disabling sprays such as mace and pepper sprays, fireworks and pyrotechnics, fire extinguishers, flares, explosives, and non-safety matches. These and other restricted items cannot be taken in hand luggage or stored in the hold.

Firearms may be allowed in hold luggage, depending on the airline. Cigarette lighters are not allowed in either hand or hold luggage but one cigarette lighter may be carried on the customer's person.

Some items are not allowed in hand luggage but may be carried in hold luggage. These can include corkscrews; scissors with blades over a certain length; sports equipment including golf clubs, bats and rackets of various types, fishing rods and darts; and work tools including hammers, screwdrivers, saws and crowbars.

There are also restrictions on the amounts of liquids that can be carried onto a plane. These must generally be carried in containers of no more than 100 ml each. All containers must be carried in a single clear plastic bag and must generally add up to no more than a litre. There may be special allowances for medicines, baby milk and sterilised water for babies.

A full list of restricted items is available from the Directgov website.

Planning your last minute travel

Admin — Tue, 18 Sep 2012 15:20:17 GMT

There are many reasons for travellers to take last minute trips. Some might be searching for bargains, while others might simply be taking advantage of a bit of unexpected free time. Whatever the reason, a last minute trip doesn't have to be badly planned.

A bit of research and preparation can help make any trip a more rewarding experience. There so many things to consider that ensuring you are organised is the key to guaranteeing a successful trip. Creating a list of what you may need from the very outset will help to ensure you do not forget anything particularly important, the last thing you want is to arrive at your destination without several key items.

When to travel

The best time to book may depend on why you've decided to travel at the last minute. Some people might want a summer holiday but are hoping to save money with a last minute bargain break. Others might decide to travel off-season to take advantage of low prices. A last minute trip might simply be a spontaneous decision fuelled by an unexpected windfall or some free time.

Whenever you travel, flexibility can help when it comes to finding flights and accommodation. Travelling off-season can be easier, especially to popular destinations, but last minute bargains may still be available even at peak times.

Midweek flights and accommodation may sometimes be both cheaper and easier to find. But that doesn't mean weekend breaks or longer stays are off the agenda, especially if you're flexible about your destination.

Booking flights

Many people book flights online, as this can be a quick and convenient way to arrange a last minute booking. There are sites that specialise in last minute trips but individual airlines and flight search websites can also be useful. You can use different airlines for inbound and outbound flights but it's worth remembering that different airlines can have different luggage restrictions.

The wider your search net, and the more flexible you are with dates and destinations, the more likely you are to find something to suit both your budget and personal tastes.

Sights and activities

It can be fun and exciting to discover the sights and activities that a particular destination has to offer once you’re there. It can be easy to miss out on attractions and events without a little research or preparation. There are many ways to find out what a particular place might have to offer, from online guides and reviews to traditional guidebooks purchased last minute at the airport.

Last minute travel insurance

Travel insurance could help pay for medical expenses incurred outside Europe, or those not covered by a European Health Insurance Card (EHIC) in European countries. Insurance can also provide cover against other eventualities such as cancellation and delay, and loss or theft of baggage, personal belongings and holiday money. The things that are covered and the level of cover provided for each can vary depending on the policy.

Single-trip travel insurance can often be arranged at quite short notice, and annual travel insurance is also available. This provides cover for multiple trips taken in the space of a year. This may be more cost effective for people who want insurance and take more than one or two trips a year. It also saves having to arrange an individual single-trip insurance policy for a last minute trip.

Vaccinations and visas

Depending on your destination, the government and public health bodies may recommend that you get travel jabs. Some countries may require you to have a vaccination certificate for diseases such as yellow fever before you can enter. Your GP or practice nurse should be able to give up-to-date information on required and recommended jabs depending on the destination. Some vaccinations need to be given or started well in advance in order to work effectively.

A travel visa is also required to enter some countries. This may have to be applied for from the relevant country's consulate or embassy. Appointments for an interview might not always be available at short notice and applications might not always be successful.

Vaccination and visa issues may rule out some places as last minute travel destinations. So it may save time, money and the chance of disappointment if you look into these issues before making a booking.

Going travelling alone

Admin — Tue, 18 Sep 2012 15:20:11 GMT

Many people these days choose to travel alone. Solo travel can provide a great sense of freedom and achievement, but there are challenges and various issues to bear in mind.

Benefits of solo travel

One of the greatest benefits of travelling alone is that it allows you to experience your choice of destination exactly how you want. When it comes to deciding what you should see or how you should spend your time, there are no compromises to be made with a partner or fellow traveller. You can make your own schedule and alter it as you wish. Travelling alone can also be a great way to meet new people. Or, if you prefer to keep your own company and enjoy some uninterrupted time to relax, read or just think, it is also a great option.

Meeting other travellers

Organised tours can be a great way to meet fellow travellers. Some companies specialise in solo excursions, while others might have a mixture of solo travellers and groups.

If you prefer something a little less organised, hostels can be good places to meet people. Some cafes, bars and other social spaces may be hubs for travellers. Of course, there's always the possibility of chance meetings elsewhere. Travellers and locals alike will often respond if you introduce yourself or initiate conversation.

The language barrier

If you're a social animal who likes to be surrounded by people, or if you fear that loneliness might become an issue, you might wish to consider destinations where you can speak the language. If you're an English speaker this might mean Australia, New Zealand, North America or even India, where English serves as an official language. If you're multilingual, taking a solo trip might allow you to shake the rust off a language you rarely get to use and improve your linguistic skills.

Not speaking the lingo doesn't necessarily have to rule out destinations. The chances are that you'll still meet fellow travellers and locals alike who speak English.

Packing light

When travelling with other people you'll often have someone to help share the load, or to watch your bags while you queue to purchase train tickets or go to the loo. When travelling alone you'll probably have to haul everything with you wherever you go – at least until you find secure accommodation. Depending on the type of trip it can help if you pack light, taking no more than you can comfortably carry for an extended period of time. If you're taking a cruise or going straight from an airport to a hotel and back again, this is generally less important.

Eating and sleeping

Finding places to eat shouldn't pose too much of a problem, but some people may feel more comfortable eating in casual settings like a cafe, bar or pub as opposed to a fancier restaurant. Accommodation should also be easy to find but can be more expensive. Many hotels charge per room and may base their standard prices on double occupancy. Solo cruises may also charge a full cabin fee. Some solo travellers might decide to pair up in order to share the cost of a hotel room.

Hostels and dormitory style accommodation can also be a potential solution for those travelling on a budget. Alternatively, you could simply ask for a discount. Bargaining over room rates is common in some places and a hotel owner or manager might prefer to have a single person in a room at a reduced rate than have it empty.

If you are booking accommodation in advance, there are companies that specialise in solo travel which may be able to help you find the most advantageous rates.

Staying safe

There are a number of ways you can make your trip safer without affecting the experience too much. It can help if you time your journey so you arrive in a new or unfamiliar place during the daytime. It can also help if you try not to look too much like a tourist in unfamiliar cities. This may mean avoiding reading maps on the street. It can be safer to consult a map over a coffee indoors, while using a phone or mobile device may be less conspicuous. It may also be advisable to avoid flashing cash or expensive electronic equipment. Use common sense depending on the setting and situation.

If you are unfortunate enough to be mugged, pick-pocketed or simply lose your belongings, it will help if your cash, cards and important documents are divided and carried in different places on your person.

Drinking too much can also be problematic as you may have no one to watch your back and help you get back to your accommodation. Too much alcohol can lead to bad judgement calls about who to trust and where to go. Again, common sense can help you make the right decisions and keep safe and healthy when travelling alone.

Drawbacks of solo travel

Travelling alone can be more expensive, especially when it comes to accommodation. Some people might experience loneliness on a solo trip and there can also be issues of safety to consider.

Preparation for travelling - Europe

Admin — Tue, 18 Sep 2012 15:20:02 GMT

Europe is a diverse place that offers travellers a huge range of environments and experiences. The best way to prepare may vary depending on your destination and the exact nature of your trip, but there are some general issues to bear in mind before departing for the continent.

Transport and accommodation

If you're travelling between European countries, it may save both time and money if you purchase all relevant tickets before you leave. Some people prefer to be more spontaneous, and travel options are available that allow a degree of flexibility. InterRail tickets can be a convenient and cost effective way to travel within Europe. The InterRail Global Pass allows for unlimited travel between participating countries for a set period of time, while the One Country Pass allows for travel within a specified country.

Changing money

Not all European countries have the Euro so it can help to have the right currency when you arrive. Changing money in advance can be cheaper than doing it in the airport or at your destination but many people prefer not to travel with a large amount of cash.

Many UK bank cards can be used to withdraw money at ATMs abroad but there may be a charge. Many credit cards can also be used in different European countries and travellers' cheques, while less popular than they used to be; can still provide a secure way to carry funds.

Understanding the language

To some extent English serves as a common language through much of Europe, but it's probably best not to assume that everyone you meet will speak English, especially off the beaten track. Old fashioned phrase-books can be handy and there are now many different translation apps available for phones and mobile devices. These might translate between English and one other language or they may be more versatile, negating the need to carry around several different phrase-books if you are visiting more than one country.

Packing appropriately

What you pack will depend on the destination, duration and nature of the trip. A ski trip in the Swiss Alps will tend to have different requirements than a beach holiday on the Costa del Sol or an InterRail trip going through half a dozen countries.

Airports and individual airlines may have their own luggage restrictions. So if you are travelling with more than one carrier, it might be worth checking if they have different restrictions.

If you are taking electronic equipment, it may be worth taking a Europlug adaptor. This will work in all European countries apart from Cyprus, Gibraltar, Ireland and Malta (where the British system is used).

You should ensure that your passport is valid up to the end of your trip, and safely pack all important documents such as a driving licence if needed, travel and accommodation tickets and directions or maps.

Getting an EHIC

The European Health Insurance Card (EHIC) is available for free and may allow you to receive free or reduced cost medical treatment when travelling in Europe. It is valid in all countries within the European Economic Area, as well as Switzerland, and entitles you to the same treatment as a resident of the country you're visiting.

But these treatments may not be the same as those available on the NHS and you may still have to meet some or all of the costs. The card will not cover any private medical treatments or repatriation to the UK following injury or illness.

Travel insurance

Travel insurance can help you meet the costs of any medical treatment not covered by the EHIC. Insurance can also provide cover for other things, including flight cancellations or delays, as well as theft or loss of luggage, personal belongings and holiday money.

Different policies may also offer public liability cover (in case you injure someone or cause damage to property) and can help cover the costs of emergency repatriation if you become ill or are injured. Different policies may cover different eventualities and offer different levels of cover for each.

Driving in Europe

If you are taking your own car to Europe there may be regulations to observe depending on where you drive. Some European countries require you to carry a first-aid kit and safety equipment such as high visibility jackets for each passenger. You will also be required to carry a breathalyser if driving in France after July 2012.

It’s also worth considering adjusting your car’s headlights, so they don't dazzle other road users when driving on the right hand side of the road. Special stickers can be bought and placed on the outside of the vehicle's light fitting.

The driver will be required to hold a valid driving licence and must have valid insurance. Some UK-based car insurance is valid in other European countries, but there may be limits on the duration of any trip covered. Some comprehensive insurance may only offer third party cover abroad.

What is the European health insurance card? (EHIC)

Admin — Thu, 12 Jul 2012 17:23:36 GMT

The EHIC is a reciprocal healthcare agreement giving you access to state run hospitals in the EU as well as Iceland, Liechtenstein, Norway and Switzerland.

You can obtain an EHIC card for free by visiting www.ehic.org.uk and this will entitle you to the same treatment costs that are incurred by residents, so if healthcare is free you won’t have to pay a penny. If you do have to make a contribution towards healthcare, keep your receipts and you may be able to claim some of the money back when you return to the UK.

If you need to make a claim on your travel insurance within countries covered by the EHIC, and have a valid claim insurers are unlikely to deduct the excess where the cost of your claim has been reduced by your using your EHIC.

The EHIC does not replace travel insurance as it will not cover costs such as mountain rescue in ski resorts and flying you back to the UK (repatriation) should the need arise. It also only relates to medical cover and will not protect you in other areas, such as compensation for stolen luggage or money.

What are the costs involved with an EHIC?

The EHIC was introduced in 2006 and was designed to replace the old E111. You can apply for the card for free by filling out a simple online application form. The EHIC is valid for up to five years, and can be renewed for free. The EHIC covers any medical treatment that becomes necessary during your trip, usually because of either illness or an accident.

This is in addition to treatment of any chronic or pre-existing medical condition that is needed during your stay, as well as costs for routine maternity care, as long as you're not going abroad to give birth. Medical treatment through the EHIC is at a reduced cost or free at state hospitals and medical centres within the EU. Most countries in Europe are covered by the EHIC. For a list of countries covered check out the NHS Country Guide.

Travel insurance in Europe

While the EHIC does offer medical care, it may always be worthwhile choosing additional protection in the form of travel insurance.

Benefits you can expect

European travel insurance policies have numerous benefits and can cover you whether you are planning a trip closer to home in the Channel Islands or heading further afield to countries such as Morocco. Below are some of the key benefits you should look for in your policy:

Medical expenses
Personal liability (if someone is injured or their property is damaged by you or something belonging to you)
Personal Accident
Personal Effects and Baggage
Repatriation (the process that returns you back to your home country)

How do the different levels of cover affect my benefits?

Standard or superior cover (which can be described as silver and gold or in other ways) can give you additional benefits to value cover. This can include catastrophe cover (natural disasters such as floods, earthquake or storms), Hospital Benefit and Scheduled Airline Failure Insurance (if your tour operator is not already covered by ATOL).

Some benefits may exist across all three policies, but in general the more comprehensive the policy you get the higher the payout for each type of benefit is likely to be. Selected benefits across all policies will also incur an excess charge that requires you to contribute a fixed amount towards the costs.

Why should I opt for annual cover over a single trip policy?

A multi-trip policy will allow you to visit your favourite holiday destinations time and time again, including weekend breaks, without having to organise travel insurance each time. As an added bonus you may also get cover for your staycations in the UK, covering you for unexpected events such as falling ill before you go or losing luggage.

I have a pre-existing medical condition. Can I still take out a travel insurance policy?

If you have a pre-existing medical condition, it is important that you declare this at the time of taking up the policy if this is requested by your travel insurer. Although some travel insurance providers will have specialist policies for pre-existing medical conditions that normally come at an increased price compared to standard travel insurance policies, you can also simply buy a policy that excludes cover for the condition(s).

Pregnancy cover

If you are travelling between 28 and 35 (inclusive) weeks pregnant, then any medical and additional expenses incurred due to complications in pregnancy should be paid. However, you may need to ensure that you receive confirmation from your doctor or midwife that you are fit to travel no earlier than five days before you travel. Please check with your travel insurer.

Am I covered for sporting activities?

Cover for a variety of activities should already come as standard with your policy and this can include a number of sports such as canoeing, kayaking, rafting, water skiing, scuba diving and snorkelling. However, these may all be subject to certain conditions.

If you are planning a skiing holiday on the slopes of Val D’Isere in France, you may want to add winter sports cover to your travel insurance policy.

This can give additional cover in the following areas:

Winter Sports Equipment
Equipment Hire Charges
Unused Ski Pass
Piste Closure
Avalanche Cover

Annual Travel Insurance

Admin — Thu, 12 Jul 2012 17:23:02 GMT

Annual travel insurance, also known as multi-trip travel insurance, is insurance designed for those who make multiple trips abroad during the space of a year.

What's the difference between annual and single-trip insurance?

Single-trip insurance, as the name suggests, provides protection for the duration of a single trip. Typically, the destination and duration of the trip must be provided and only this trip will be covered by the policy. Single-trip insurance policies can be taken out by individuals and group or family insurance policies can also be taken out to cover single trips.

Annual travel insurance gives the policy-holder protection for multiple trips taken over the course of a year. This can be both handy and more cost-effective for people who take multiple trips per year. The cost of an annual travel insurance policy could be considerably less than the combined cost of several single-trip policies. You do not have to arrange new cover every time you take a trip, which can be particularly useful for last minute trips.

Additionally, the levels of cover offered are sometimes more generous on annual insurance policies.

What does annual travel insurance cover?

The levels of cover will vary from insurer to insurer and between individual policies. A comprehensive annual travel insurance policy will, however, typically include medical cover, cover for lost or stolen baggage and cancellation cover.

Other benefits may include 24-hour assistance helplines and personal liability protection to cover you if you cause injury to another person or damage to property. You can also cover your spending money against loss or theft. In the case of theft, you will be expected to report the crime to the local police.

The exact amounts covered will also vary. How much you need depends on your personal circumstances but many people will want to match the level of cancellation cover to the cost of their holiday and the level of baggage cover to the cost of all items in their baggage. There may be a cap on the maximum value of any one item, but individual items such as laptops or expensive camera equipment can sometimes be specified and covered separately.

There may also be exclusions in an annual travel insurance policy. These can include activities that are deemed dangerous such as skiing, water sports and bungee jumping. Many activities and circumstances that are not covered in a standard policy can, however, sometimes be added as extended cover elements for an extra cost on the premium.

Who does it cover?

Annual travel insurance can be purchased to cover any individual or couple making multiple trips in the space of a year. If you are planning on travelling as a group it may be worth looking into family cover or group travel insurance policies. Family and group cover may also be available in an annual or multi-trip format, covering a group of named individuals for multiple trips in a year. If you take more than two family holidays a year, this can be well worth checking out.

Is annual cover suitable for a gap year or backpacking?

Annual travel insurance is often ideal for people who make three or more trips abroad in the space of a year. It is designed to cover individual trips though. Typically, annual travel insurance covers a number of individual trips, each lasting a maximum number of days.

These periods can often be extended (usually at an extra cost) but there will still be a limit on the number of consecutive days of travel covered for each individual trip. Usually, the maximum covered is between 30 and 60 days. The number of trips covered is often unlimited but each individual trip must last no longer than the maximum period allowed.

Backpackers and gap year travellers will usually require unbroken cover for longer periods. Specialist backpacker policies that cover extended trips abroad may be more suitable for this kind of traveller.

Do I still need a European Health Insurance Card?

The *European Health Insurance Card (EHIC) allows you to receive free or reduced cost medical treatment in any European Economic Area country. These include all countries in the European Union plus Iceland, Norway and Liechtenstein. Switzerland is also covered.

The EHIC basically provides you with the same treatment as a resident of the country you are visiting. It's worth noting that this may not be equivalent to treatment provided on the NHS. The treatments available vary from country to country, as do the costs. Some treatments will be free, depending on the country you are visiting, while others may require a 'patient contribution'.

The EHIC does not provide private medical treatment. It also does not cover the cost of emergency repatriation to the UK in the event of a serious accident or medical condition. The EHIC will not provide any medical cover when travelling in countries outside Europe.

Ski insurance – A brief guide

KatieFawcett — Thu, 12 Jul 2012 17:22:58 GMT

Many people take out travel insurance to cover themselves against injury and losses on a holiday or trip. Standard single trip and annual travel insurance policies often do not cover activities such as skiing though. Ski travel insurance, also known as winter sports cover, is specifically designed to help protect you both and off the slopes.

Before you decide whether or not ski travel insurance is right for you though, it is important to consider exactly what is covered within such a policy.

What does ski insurance cover?

Ski insurance will usually cover you against all the same eventualities as more general travel insurance. These can include injury and illness, cancellation and delay and loss or theft of baggage, personal belongings and holiday money.

Like other forms of travel insurance, ski insurance may also cover you if you have to cut short or cancel your trip because of illness, injury or the death of a relative. A policy may provide personal liability cover in case you injure someone or cause damage to property and it can also cover the costs of emergency repatriation.

The main difference between ski insurance and other types of travel insurance is that it actually covers you against injuries or losses incurred while skiing – an activity that is often not covered on more general policies. This is one of the main reasons that people opt for this specific policy over other, more wide-ranging insurance options while skiing.

In addition, there may be higher levels of cover regarding loss, theft or damage. This reflects the value of associated skiing equipment, which can be very expensive whether it is owned or hired.

The chances of injury are higher on a skiing trip than on many other types of holiday. No matter how competent an individual skier may be, accidents can happen and the consequences can be very expensive. Most ski insurance policies will cover the costs of any medical treatment required, as well as things such as on-piste rescue and the cost of an air ambulance.

Ski insurance may also provide cover for things specifically linked to ski holidays, such as the loss of ski passes or reimbursement of equipment hire costs, ski lesson fees and lift passes should you suffer an injury. Some policies may allow you to claim back the cost of a ski pass should you be unable to ski due to a lack of snow.

What about other winter sports and activities?

Many ski insurance policies will only cover skiing but some may include other winter sports and activities. This can include cover for skiing, as well as other activities such as tobogganing, ice-skating and luging. If you are planning to participate in any of these more obscure activities it is important that you read the terms of a potential policy carefully to make sure you will be covered under its terms.

It's worth noting that some standard ski insurance policies may not cover off-piste skiing or heli-skiing. Specialist policies are available for those who wish to stray away from the ski lifts and can include search and rescue cover.

Can I get annual ski cover?

Ski insurance often works like a specialised version of a standard single trip travel insurance policy. This means it covers you for the duration of a single skiing trip. Typically, there will be a maximum duration and the premium you pay may be partly based on the length of the trip.

With annual travel insurance, the policy holder is covered for multiple trips taken within the space of a given year. Some companies may offer ski or winter sports insurance on an annual basis. If you take more than one or two skiing trips per year, it may be more cost effective to seek out this type of cover. Consider all the factors carefully before you decide whether or not such an option suits your own personal circumstances.

What precautions should I take?

Insurance companies will usually expect you to take sensible precautions, especially when participating in a potentially hazardous activity like skiing. Some insurers, for example, may require you to wear a helmet while skiing. If you have an accident while you are drunk or have taken drugs, it may invalidate your claim. Similarly, some policies may not pay out if you were not following standard safety procedures and protocols on the ski lift or slope.

Other health and safety issues might not directly affect your insurance but can help you stay safe and healthy whilst on your skiing trip. Freezing temperatures and high altitude sunlight can lead to increased risks of both hypothermia and sunburn.

Dressing appropriately in warm, layered clothes, packing sunblock and protecting your eyes are all steps that can help you enjoy a happier and healthier skiing experience.

Single Trip Travel Insurance

Admin — Thu, 12 Jul 2012 17:22:36 GMT

Travel insurance could cover you against injury, losses and other mishaps during the course of a holiday or other trip. Single trip travel insurance, as the name suggests, covers you for a single trip only. Before you consider whether such a policy is the right option for you to take, it may be prudent to consider your own individual circumstances.

If you only make one or two trips, of limited duration, over the course of a single year, single trip travel insurance can be the cheapest way to obtain cover.

If you are a more frequent traveller, annual or multi-trip travel insurance may be a more cost effective option. Annual travel insurance covers the policy holder for multiple trips taken over the course of a year. An annual insurance policy will tend to cost more than a single trip policy offering similar cover, but may cost much less than several single trip policies combined.

If you are travelling with a family or other group, family or group cover may be better value than individual single trip policies. Again, the key is to evaluate what you want from a policy and exactly what is on offer.

A single trip policy will usually have a maximum duration. The maximum length of the trip can vary but it might not be enough to cover lengthier excursions, even if they are still technically single trips.

Other options such as long stay travel insurance or backpackers insurance may be more suitable depending on the circumstances of the trip. Most insurers will take the length of your trip into account when working out the premium you pay.

What is covered by single trip travel insurance?

The list of eventualities covered and the amounts for each eventuality will vary from insurer to insurer and between individual policies.

These eventualities can include injury and illness, cancellation and delay, loss or theft of baggage, personal belongings and holiday money. Single trip travel insurance may also cover you if you have to cut short or cancel your holiday because of illness, injury or the death of a relative.

The amount of cover offered will also vary. Medical and personal liability cover can often run into millions. It can be difficult to know how much cover you need for these things, but if you're unsure you can always ask the insurance company what they would recommend and why. They will be happy to help and can hopefully help you to come to a sensible decision on this issue.

Other levels of cover may be easier to judge. Many people would, for example, want to match the amount covered for cancellation to the cost of a holiday, or the amount of cover for baggage to the approximate value of the belongings they're taking away.

Exceptions and excess

There may be an excess you have to pay in the event of making a claim. The amount of excess payable may vary widely between policies. The amount payable can also vary on the same policy, depending on the type of claim you are making.

There may also be exceptions built into a single trip insurance policy. These could include activities that are considered dangerous such as water sports, climbing and bungee jumping. Injury or loss of property due to terrorist activities used to be routinely covered but are now frequently excluded.

Can I get additional cover?

Many insurers will offer specialist versions of standard single trip insurance policies or will allow you to choose additional extras at extra cost. These extras could include things like ski insurance or winter sports cover.

There may be a cap on the maximum value of any one item covered under loss of baggage or personal items. Individual items such as laptops or expensive camera equipment can sometimes be specified and covered separately though.

How do I choose a policy?

Taking out travel insurance is not compulsory, but it can protect travellers against a range of eventualities, from the merely inconvenient to the truly catastrophic. There is no such thing as a perfect, 'one-size-fits-all' single trip insurance policy though.

The right policy for any individual will depend on several factors, including the type of trip and the amount of cover required. Cheaper policies may have higher excesses to pay in the event of a claim or may offer more limited cover. There are many options available and what's right for one person might not be ideal for another.

Travel insurance guide

Admin — Thu, 12 Jul 2012 17:21:32 GMT

Below are some key aspects to keep in mind when choosing the right travel insurance policy for your needs.

Which policy is best for me?

If you take holidays several times a year, you may wish to invest in a multi-trip policy that will cover you for an unlimited number of holidays within a period of 12 months, although the duration of each holiday is normally a fixed number of days, there may be a maximum number of days you can have on any travel insurance policy. If you are confident that you are only going for one break in the year then a single-trip policy may be better suited to you.

You can also make the choice between a policy that just covers you for most countries in the European Union (EU) or one that covers you Worldwide, including all countries in the EU and the US.

If you are travelling alone you can take out individual cover or choose couples or family cover for larger groups.

What does your policy cover?

The maximum amount paid out for each aspect of your insurance policy will vary depending on the level of cover you choose. Cheaper policies may also omit certain benefits, so it is important to identify what you need from a policy. When choosing travel insurance try and ensure that it has the following key benefits:

Medical expenses (any cost incurred in the prevention or treatment of injury or disease)
Hospital benefit (benefits that pay for hospital visits, including the room and other costs incurred during the stay)
Repatriation (the process that returns you back to your home country)
Personal Accident cover (a lump sum is paid out in the event of an accident resulting in permanent injury or fatality)
Personal liability (if someone is injured or their property is damaged by you or something belonging to you)
Cancellation (provides a fixed amount if you have to cut short or cancel your trip)

Additional benefits

If you are travelling independently and are worried about your airline going bust then you may want to include scheduled airline failure insurance (SAFI) in your policy.

If your holiday package is already protected by ATOL, a financial protection scheme managed by the Civil Aviation Authority (CAA), then you are covered if a tour operator goes out of business and the CAA will ensure you don’t lose the money you have already paid. They will also arrange for you to finish your holiday and fly home.

Other benefits that you may want covered in your policy include personal effects and baggage, legal expenses and replacement costs for losing your passport or drivers licence.

Policy excess

Some benefits carry an excess payment, meaning that you will have to pay a fixed amount will be deducted from the amount you receive from a claim.

Travel to Australia

Most insurers will require you to register with Medicare when you seek medical treatment in Australia. This is the country’s state healthcare system and it part of a reciprocal healthcare agreement between Commonwealth countries including the UK. A Medicare card will entitle you to the following benefits:

Free treatment at a public hospital in-patient or out-patient department
Selected medicines subsidised under the Pharmaceutical Benefits Scheme
Medicare benefits for out of hospital medical treatment provided by doctors through private surgeries and Government Health Centres

Sporting activities covered under your policy

Subject to the insurer’s terms and conditions you may be covered for playing and participating in some of the following sports and activities: surfing, snorkelling, hill walking, horse riding and scuba diving.

You may need to take out a specialist policy for winter sports such as skiing or have this as an add-on to your regular travel insurance policy. This gives you additional benefits such as cover for unused ski passes, ski hire and tuition fees due to illness or injury.

Pre-existing medical conditions

A standard travel insurance policy is unlikely to pay out for pre-existing medical conditions and any medical treatment that is needed as result. You are always required to disclose full details of pre-existing conditions when you take out the policy and some specialist insurers will cover this, normally at an increased premium. The good news is that pre-existing medical conditions won’t prevent your from securing a travel insurance policy, as you can simply buy a policy that excludes cover for the condition(s).

Immunisations

It is critical that you visit your travel nurse before you head off on holiday so you can be sure that that you are adequately protected from tropical diseases that may include Malaria and Yellow Fever. The travel nurse will be able to tell you what you need to take to protect yourself, and you should check with your insurer to see how and if immunisations affect your claims.