sshortcircuit Posted March 5, 2008 Share Posted March 5, 2008 Got quotes for annual travel insurance. Provided all details of medical history and was advised that they were of a minor nature and policy would be £58.00. Did a search with specialist companies who deal with clients who may have medical problems. Same information provided, now £169.00. Where does the difference come from? Link to comment Share on other sites More sharing options...
Keith T Posted March 5, 2008 Share Posted March 5, 2008 Im tempted to say - cynically - the 'profit' elemnt of the so-called specialst insurers?Did the latter come up with the same company to underwrite the policy as the one you obtained yourself? As long as the one you have the lower quote from is exactly the same cover (and exclusions!) and it is a reputable Insurance Company then surely there's no reason to go for a higher cost one? But I would recommend you check the actual levels of cover very carefully. Seems a rather significant difference in cost. Link to comment Share on other sites More sharing options...
michele Posted March 5, 2008 Share Posted March 5, 2008 S Circuit . We pay nearly £400 yearly because of the childrens problems . As long as you have disclosed all and its reputable I cant see it being a problem....Advice is check & double check one might pay out to bring you home the other not . You just never know when you might need it . We use all clear travel a very good company to deal with at least I know we will be flown home if nesseccary good luck . Link to comment Share on other sites More sharing options...
Ina Posted March 6, 2008 Share Posted March 6, 2008 Agree with Michele - check and double-check, it is a minefield. OH had a single bypass nearly 2 years ago. Had problems finding cover for annual insurance, ended up with Manor Insurance, who still seem to have the personal touch. Got cover for £140, starting just over 2 months after his op, that is for both of us, Europe only and no ski-cover. On renewal last year the quote was about the same, and so we stuck with them. What I would want reassuring on, would be whether the cheaper quote actually COVERS you for the medical history you disclosed. Be very careful, as it would be of no use if you paid the £58.00, only to find out, God forbid, that if you needed it, it didn't cover you. Ina. Link to comment Share on other sites More sharing options...
sshortcircuit Posted March 6, 2008 Author Share Posted March 6, 2008 Afraid Im the cynically one. Same information with all details provided and yet this great difference. Cover provided appears the same. There were even cheaper policies. I take the "I know we will be flown home" as a red herring. Break a leg in Portugal and get the bus home, I think not. I tend to think we go overboard with insurance. I book with a credit card which provides some areas of cover. We have our EHIC, which covers other areas and I then take out a policy as an additional safeguard. I do not suggest not to take out insurance but just consider we are taken advantage of Link to comment Share on other sites More sharing options...
Ina Posted March 6, 2008 Share Posted March 6, 2008 Well, each to their own of course. At the end of the day it is your choice. Personally, I think peace of mind also counts for something. Also, it is not just a matter of having to get home, if you have to get treatment in a hospital for anything related to an existing condition, and that is excluded from your policy, the EHIC will not cover that 100% either. Fortunately the only treatment we have only needed so far abroad was dental treatment, but for £140 per year I don't think it is worth arguing about. Ina. Link to comment Share on other sites More sharing options...
DonYates Posted March 7, 2008 Share Posted March 7, 2008 We have just been looking round for travel insurance for our forthcoming 7 week jaunt into Europe and several companies gave quotes substantially more for the 7 weeks than for the full year. For example Saga, quoted £93 for the year and £205 for the 7 weeks trip. Funny old world isn’t it. Don Link to comment Share on other sites More sharing options...
mac111051 Posted March 9, 2008 Share Posted March 9, 2008 That sounds fine but what you need to know is what your maximum stay is some insurance policys will only give you a maximium stay off one month befor returning to the U K, Malcolm Link to comment Share on other sites More sharing options...
Ina Posted March 9, 2008 Share Posted March 9, 2008 mac111051 - 2008-03-09 4:26 PM That sounds fine but what you need to know is what your maximum stay is some insurance policys will only give you a maximium stay off one month befor returning to the U K, Malcolm Slightly off-topic, but worth mentioning I think: check your house insurance too, as a lot of policies won't cover being away from home for more than 30 days. Ina. Link to comment Share on other sites More sharing options...
mac111051 Posted March 9, 2008 Share Posted March 9, 2008 As long as some one is going in once a week its usually O K but worth checking , we did a six month trip and as long as someone went in twice a week it was O K, Malcolm Link to comment Share on other sites More sharing options...
Mel B Posted March 9, 2008 Share Posted March 9, 2008 Be careful, someone fell foul of this recently. If you are away for a period of over 30 days just having someone 'popping in' doesn't necessarily cover your home, you need to check carefully exactly what is meant. Do they have to stay overnight for example? Be very careful and make sure you have cover for yourself whilst away (ie health cover) and also for your home, including contents, whilst it is vacant. When it comes to insurance DO NOT assume anything, check, check and check again. Link to comment Share on other sites More sharing options...
Ina Posted March 9, 2008 Share Posted March 9, 2008 mac111051 - 2008-03-09 4:39 PM As long as some one is going in once a week its usually O K but worth checking , we did a six month trip and as long as someone went in twice a week it was O K, Malcolm Well, when we have rung round for quotes and the maximum limit was 30 days, there was never any compromise like that. I think the operative word is UNOCCUPIED. They always ask for how long the property will be unoccupied. As soon as you say over 30 days, then those who would not cover that would say so. We are in the throes of getting quotes at the moment, and we rang Tesco for a quote. As soon as we said we needed cover for more than 30 days, that was it, and there was certainly nothing like that it would be ok if you have someone coming in at regular intervals. As has been said, you need to check, check and check again. To say that someone is popping in would be too vague for insurance purposes, I'm sure. We only get insurance which covers the property being unoccupied for the length of time we are most likely to need, then at least we know we are covered. Ina. Link to comment Share on other sites More sharing options...
webbocj Posted March 9, 2008 Share Posted March 9, 2008 In Nov '07 I was looking for house insurance as my existing cover was for 30days only unoccupied! Changed to Nationwide = 60days. Have heard about friends popping- in but am not convinced. Travel cover based on "annual" is generally about 30days per each trip. Can be done for specified periods. Will be looking to renew my annual travel cover shortly so will keep my eye on thread Chris Link to comment Share on other sites More sharing options...
trooper Posted March 9, 2008 Share Posted March 9, 2008 My house insurance. if you leave for more than 60 days you agree. To turn off gas and water at mains, drain water , exept heating,. this to be left on to frevent frost damage. to arrange for the inside of the building to be checkedat least once a week. To my mind this is absolutily standad stuff. Cheers. Link to comment Share on other sites More sharing options...
webbocj Posted March 9, 2008 Share Posted March 9, 2008 Don I spent along time on the internet to find 60days. No company, for any period specified those points! have got gas central heating,electric burgalar alarm!, and whilst I haven't got it, combi boilers need mains water pressure to work. You must be a plumber to be able to drain system and refill. Still it's worth it. Chris Link to comment Share on other sites More sharing options...
Brambles Posted March 9, 2008 Share Posted March 9, 2008 "To turn off gas and water at mains, drain water , exept heating,. this to be left on to frevent frost damage. " This does not add up, if your gas is 'off' your heating won't work! p.s. Incidently Chris, your central heating will work with a combi boiler, it is just the hot water for taps which will not if mains water is shut off. Link to comment Share on other sites More sharing options...
webbocj Posted March 10, 2008 Share Posted March 10, 2008 Brambles Just a joiner trying to be too clever, sorry Chris Link to comment Share on other sites More sharing options...
handyman Posted March 10, 2008 Share Posted March 10, 2008 you also dont need to be a plumber to drain and refill a CH system ;-) Link to comment Share on other sites More sharing options...
dikyenfo Posted March 10, 2008 Share Posted March 10, 2008 Did my insurance for the house thro. CCC you can be off for a year with them and the three months we do at any one time now is no problem. Link to comment Share on other sites More sharing options...
Homenaway Posted March 10, 2008 Share Posted March 10, 2008 Hi, We have multitrip annual travel insurance with Sainsburys which allows up to 60 days for a single trip and house insurance with Saga which is also 60 days maximum unoccupied. Have to leave heating on frost setting but we turn off the mains and hot water as a precaution anyway but obviously leave gas on . Both are soon due for renewal so will carefully check the latest policies. Steve Link to comment Share on other sites More sharing options...
Keith T Posted March 10, 2008 Share Posted March 10, 2008 Homenaway - 2008-03-10 10:11 PM Hi, We have multitrip annual travel insurance with Sainsburys which allows up to 60 days for a single trip Steve One of the problems I have found with travel insurance is that as we 'age' they seem to think we're greater risk, and wheras up to age 65, I could get 60 or even 90 days per trip on Anuual Policy, as soon as I exceeded that I had difficulty in getting even 60 days, most being either 30 or 45. I really think this is discrimination on the age basis, as surely it should be more on a medical risk basis. Link to comment Share on other sites More sharing options...
chris Posted March 11, 2008 Share Posted March 11, 2008 Steve, Hubby found that he had to get annual insurance once over 65. Problem we have found (via safeguard) is they will cover you but NOT for the medical problems you declare. Does anyone use a company that cover you for illnesses declared at a reasonable cost but still reputable company? chris Link to comment Share on other sites More sharing options...
Ina Posted March 11, 2008 Share Posted March 11, 2008 chris - 2008-03-11 6:44 AM Does anyone use a company that cover you for illnesses declared at a reasonable cost but still reputable company? chris Chris We use Manor Insurance for annual travel insurance. OH had a single bypass 2 years ago, when we rang them about 7 weeks later for cover, they were very sympathetic and easy to talk to. Moreover, the premium was £140, which, considering the other quotes we had, was very good. We are both under 60 though, so probably different for over 65, but still worth giving a try, nothing to lose. Weblink: http://www.manorinsurance.co.uk/ Telephone: 0800 092 4383 Ina. They also do home insurance Link to comment Share on other sites More sharing options...
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