Rental Car Insurance – Travel With Peace of Mind

Many of us feel confused when we come to think of rental car insurance. A lot of questions arise in our minds. The most common questions are should I opt for it? Or is my auto insurance covering rented cars? Car insurance for rented vehicle makes sure that in case the rented car is damaged or stolen you are not held liable for it.

Before you apply for car insurance for a rented vehicle, you should check your car insurance policy to see whether it covers rented cars or not. Also, you should find out the type of auto rental insurance policy covering you using your credit card companies.

Remember if you are going to rent a car for leisure purpose and not business then it is most likely that the deductible and coverage of existing auto insurance applies to the rented car as well. If covered, you need to find out the type. For instance, if you have dropped comprehensive auto insurance then in case of an accident or theft your rented car will not be covered. You can also check with your auto insurance company for any offers as it will be less expensive compared to getting auto rental insurance from car rental companies.

When you apply for rental car insurance using your credit card, you will get a variety of insurance options depending on the type of card and bank which provided you with credit card and much more. Generally, insurance for rental cars will cover damage to the car and not cover personal belongings, property, liabilities etc.

RV Insurance Guide – Cheap Recreational Vehicle Insurance

An RV is like a home on wheels. A lot of people use RVs when holidaying or when transiting to a fun spot carrying a lot of home items and thus, people love their RVs. This makes it very important that they are properly protected with the right RV insurance plan.

RV insurance was specially created for people who own vehicles like travel trailers, truck campers, motor homes and fifth wheels. RV coverage provides financial help when there an accident (collision of breakdown) that stops a fun trip.

Having the right RV coverage, owners of these homes on wheels can actually have peace of mind and enjoy the scenery if there is an accident, having no worries of cost of repairs and replacement.

While the regular auto insurance policies protect drivers and vehicles only, recreational vehicle insurance operates like a cross between home insurance and automobile insurance. These vehicles are considered as “home” by insurance companies. This is because people actually live in them and all the kinds of risks associated with homes are also associated with them. Risks like theft, fire, damage and issues of personal injury.

The Risks Covered in RV insurance:

In the case of an accident and expensive possessions like cameras, jewelries, electronics and clothing are destroyed; the insurance company pays the fees for repairs or replacement.

Special vehicle parts (stairs, awnings, appliances and slideouts) that are unique to RVs are also protected.

In the case where the RV will be towed away, the insurance company takes care of lodging and transportation costs of the owner; the owner is not left out on the road.

There is also the liability protection which pays for legal representation, medical bills and repairs caused by your RV to a third party.

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Backpackers Travel Insurance – A Cheap Alternative to Get a Comprehensive Travel Coverage

For those who love to travel but are on a budget, getting travel coverage may not be at the top of their priorities. Fortunately, there is now what we call backpackers travel insurance which is a cheaper alternative to the full-blown insurance usually offered by companies.

The great thing about this is that in a way, it is a comprehensive travel insurance without being too pricey. What this means is that it the backpackers travel insurance also covers a wide range of considerations that would likely be encountered by a traveler whose trying to rough it in a different country. This type of protection can cover up to 15 months or even extended to 18 months depending on the terms of the contract.

That being said, following are some of the features included in a backpackers travel insurance and how they can be helpful in the long run.

Medical and Rescue

This covers expenses for those who encounter problems during the stay and would require immediate medical attention. The insurance company would then gladly reimburse any money spent on the actual emergency. The same goes for any rescue operation done should there be a medical emergency rescue necessary.

Cancellation or Delay of Trip

This is ideal for those who usually pay their trips in advance. Should there be any cancellations before the actual day of the trip, then the money already spent would be reimbursed by the insurance company. Delays in the departure date are also subject to reimbursements but would depend entirely on the stipulations indicated in the contract.

Personal Effects

In case of lost travel documents or even a stolen baggage will be covered by the insurance provided is it stipulated in the contact. This also covers loss of passport including the administrative costs for the reissue of the item. Credit cards and travelers checks are also included in the coverage.

Of course, those are just some of the incidents covered by insurance. Other specialties like sports activities may also be included in the package.

Advantage of getting Backpackers Travel Insurance

The number one advantage of this type of insurance over the regular is that it is much more ideal for people who are on a budget. The backpackers insurance covers just as much as the regular insurance but for a slightly different price.

More than ever, getting insurance for backpackers is something that should be done all the time one decides to travel. This is because unlike staying a hotel, backpacking would usually necessitate long walks, exposure to the elements and other instances that could increase the risk of the person in vacation. Hence, the presence of a travel insurance for them is not merely a luxury but a necessity. When choosing a travel insurance provider though, make sure to read the fine print thoroughly in order to get an idea of exactly what is offered by the company and for how much.

What a Bargain! Why Is Your Travel Insurance So Cheap?

Sorry to use the tired old adage ‘you get what you pay for’ but, as many people have found out to their detriment, it is especially true when it comes to travel insurance. It’s all too easy to take the first policy you’re offered rather than have to sift through policy details and comparisons to understand exactly what you’re getting. Trying to work out insurance jargon is about as much fun as an advanced level jigsaw puzzle with a lot of blue sky.

It has become a way of life for pale, sun-deprived Brits desperate for sunshine to trudge through the rain to their local travel agent and book a package holiday. Why not? After all, the sun provides you with a healthy dose of Vitamin D, and everyone knows that vitamins are good for you! (Just don’t forget to slap on the sunscreen to help prevent skin cancer).

Many travel agents and tour operators will try to sell you travel insurance at the same time as the holiday, or throw the insurance in free or for a ‘little extra’. How many people get past the glossy brochures full of tanned bodies lying on sun-kissed, palm fringed beaches to read the small print of the insurance policy? By that stage you are mentally already in your swimsuit and diving into that warm, azure blue water.

Travel insurance is often advertised by banks, credit card companies, chemists, supermarkets, coach companies, airlines, retail shops and the Post Office. On the surface it may seem adequate, but open the box and look a little deeper inside. Compare the levels of cover they offer against a good, comprehensive, policy and you’ll find that pieces of the puzzle may be missing. They are often the vital corner pieces too! For example, you may find there’s no cover for lost luggage, or the cover only extends to excursions organized by their tour operator or rep.

Once you reach your destination, would you stop to consider the consequences of going off to a local water park for some fun on the water slides, a sightseeing coach trip, or an elephant ride? When the carefree holiday spirit has you in its grip it’s likely you’ll do all sorts of activities on a whim. What if you sustained an injury at the water park, the coach crashed, or you fell off the elephant? It would be a very unwelcome shock and perhaps an unhappy end to your holiday to discover too late that the insurance your travel agent sold you only covered activities which had been arranged by your travel rep. They would put the lid back on the holiday jigsaw and you’d be left puzzling how to pick up the pieces and pay the bills!

Travel insurance need not be expensive, so it’s important to make sure you get the right cover for your needs. It’s a waste of money to take out more insurance cover than you need. If you only plan to take one trip to France in a year, then a single trip policy will be the one for you. If you are planning a short trip to Spain and then a ski trip later in the year you’d save money by purchasing a multi-trip policy and adding extra cover for skiing and winter sports. If you have pre-existing medical conditions you must declare them and it might cost a bit more, but it is better to be totally honest and ensure you will be covered if there are problems. If you have to make a claim and it comes to light that you have not been honest in any aspect of your application then your entire claim could be invalidated!

Next time you are at your travel agents office caught up in the excitement of booking your trip; don’t be lulled into a false sense of security. You might think it’s easier to take care of the holiday and insurance all at once. That way you can forget about the boring parts and get on with shopping and packing for your holiday. Instead, give the offer of free insurance some thinking time, obtain quotes from reputable travel insurance companies and do a comparison. For example, check to see whether the free policy includes personal liability and legal expenses. They often don’t!

This problem will no longer be an issue after January 1, 2009. The government’s financial watchdog, the Financial Services Authority (FSA), will thereafter require that any company selling travel insurance be FSA-regulated. In the meantime, be on your guard. Banks may be FSA-regulated as far as their banking business, but until the new rule takes effect they are not required to comply with the FSA regulations to sell travel insurance! A stand-alone travel insurance company has to be regulated and you have the benefit of the ombudsman if their services fail you in any way.

Just like a jigsaw puzzle, your dream holiday should contain everything you see in the picture on the box. If there are missing pieces or it all falls apart, you’ll need a good travel insurance policy and someone to call upon for help. Don’t risk spoiling your holiday and lamenting ‘Now, I know why you were so cheap!’