Why Holiday Insurance? Now that Charter flights are started, its time for most non-whites Brits (and other NRI GOANS in UK ) to return home by taking cheap and direct Flt (non-stop) to GOA.
Most of us think 'holiday insurance' is not for us (Goans) but it is only for tourists. Yet some of us know its importance or advantages but we travel without it just to save another �30 or so (typical of us). e.g. In response to my earlier posting 'cheap ticket to GOA', some one gave me his budget saying he wants to travel to goa for less than �250 . In 2 days time I found a good deal just �209 return ticket and immedieately passed on to him. In reply, he said he would wait few more days hoping the price go down further... (when one travels to GOA via Bombay, cheapest one can travel UK-BOM-GOA -BOM-UK(air fare only) �450 plus over night stay in hotels, long and tiring journey, two days wasted in Bombay etc) We all pay for our cars insurance, we pay it because it is compulsory. What about our lives or health (we ignore it just because it is not compulsory?) What is �30 or �40 now a days?? Why take risks? or chances? Think about your self, your family etc should any thing happen to you or family whilst on holiday. If you need help to find a cheap and right insurance for you, please ask. I am not a travel agent nor working for one. This is just a social service to our community. Advantages of Travel Insurance (some of the basics only) 1. Medical Expenses: Upto �10 Millions, Medical expenses paid if you fall sick or meet with an accident. hospital/doctors etc (including air ambulance where necessary). 2. Cancellation of holiday; up to �5000, if you have to cancel your trip or holiday due to death/sickness in the family including in-laws, grand children or the person with whom you are travelling, loss of your job just before travelling etc etc. Also includes when you cut short your holiday due to above reasons etc. You come back with different airline and claim back the expenses fare etc. 3. Personal Accident. if you sustain bodily injury caused by accident etc .. Death �15,000 Loss of one leg or one arm or one eye sight etc �15,000. 4. Personal Baggage: (can save up to �10 on the premium is this clause is excluded) Up to �2000 paid in respect of accidental loss or theft of or damage to luggage, clothing and personal effects owned by you such as camera, laptop, jewellery etc 5. Personal money; up to �500 in respect of accidental loss or theft of cash, bank notes, cheques, ticket, . cards etc. Loss of passport only, up to �500 paid. 6. Delayed Baggage: �100 to pay for emergency purchases. 7. Missed Departure: up to �600 8. Departure delay: �20 paid for first 8 hrs after 8 hrs if you wish to travel with another airline, your air ticket is also paid. 9. Legal Expenses: Legal costs and expenses incurred up to �10,000 in pursuit of compensation and or damages against third party arising from or out of the death or personal injury of the insured person.. 10. Personal Liability; Up to �2 Millions against legal liability for bodily injury to persons or damage to property etc 11. Others (misc. covers included) Hijack, catastrophe, homecare, petcare etc .............. Some of us go on holidays (GOA etc) for more than once in a year, for them I would suggest to buy 'annual multi-trip' insurance where one can travel as many times to any where in the world during the 12 months period. I have one such and I pay just �55 for a year (10% no claim discout). One can stay up to 100 days per trip (most allow u up to 30-45 days per trip) Couples and family insurance comes lot more cheaper (children below 16 usually go free when they travel with their insured parents) thank you for your time. Joegoauk ########################################################################## # Send submissions for Goanet to [EMAIL PROTECTED] # # PLEASE remember to stay on-topic (related to Goa), and avoid top-posts # # More details on Goanet at http://joingoanet.shorturl.com/ # # Please keep your discussion/tone polite, to reflect respect to others # ##########################################################################
