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Untitled Document
Travel insurance
To make the most out of your holiday, and to avoid inconvenience if something goes wrong, it is a good idea to take out an adequate travel insurance policy
(even if you are travelling within the UK). Visit
Barclays for more on travel insurance.
A travel insurance policy should cover you for:
- cancellation to your holiday
- any delays you may experience
- any belongings which are stolen
- an accident
- personal liability
- any legal expenses you may incur
- medical expenses
Things to bear in mind:
- Under the Disability Discrimination Act 1995 (DDA), it is illegal to discriminate
against disabled people in the areas of goods, facilities and services. Therefore
- in theory at least - insurance companies cannot refuse to provide you with
holiday insurance simply on the basis of your disability. However, if the
insurance company can provide convincing reasons why insuring you poses a
higher risk than usual, they are entitled to increase your premium. To discriminate
on the basis of disability alone is unlawful; to discriminate on the basis
of perceived risk - as long as that perception is well-founded - is not. Click
here for more on disability, insurance and discrimination
- Your travel agent or holiday organiser may offer you an insurance policy, but first check that it does not have any exclusion clauses that may affect you. (If you do find an exclusion clause, you may want to clarify that it does not
breach the DDA.) - You do not have to buy your insurance policy from your travel
agent. Often it is much cheaper elsewhere - banks and independent companies offer good rates. As with all types of financial products, it is a good idea to shop around before making any final decision: Costs of travel insurance vary a great deal
- Insuring expensive mobility vehicles is difficult. Most companies have a single item limit of around £300. If a company is willing to insure your scooter or wheelchair, you may have to pay an extra premium. If they don't you may have to think about insuring it as part of your household contents insurance.
- When looking for travel insurance, ask as many questions as possible to ensure that the policy will be right for you. For example, make sure that there is adequate cover for your equipment or other property you are taking with you on holiday.
- Check that you will be covered if you have to go to hospital for any reason. Also check that you are covered if you need to return home.
Exclusions
Be careful to read the small print. You need to know what exclusions there
are in your policy and what they mean to you. A particular exclusion of relevance
to those with disabilities is that concerning a pre-existing medical condition.
Basic cover excludes claims resulting from a pre-existing medical condition
if in the past year you, or any person to be covered by the insurance, has:
- received treatment as a hospital in-patient
- been under the care of, or referred to, a specialist consultant, or are
waiting for the results of any medical tests
- been diagnosed with cancer
- been treated for a breathing or heart condition (including angina) and are
still taking medication or receiving follow up consultation
- received treatment for any psychological or psychiatric disorder including anxiety,
stress and depression.
Further information
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