Typical Holiday Insurance UK Information Required by Lenders & Brokers - In order to quote you a premium for Travel Cover, your insurers will require to know a certain amount of information from you:- 

Where you are travelling - This information will affect the price of your Travel Insurance policy, usually insurers divide the world in to 4 or more area, the following are fairly typical:-

• United Kingdom, Channel Islands and the Isle of Man

• France, Holland, Belgium, Germany, Austria, Italy

• Europe including the Republic of Ireland and all countries bordering the Mediterranean Sea, Madeira, Canary Islands and Azores but excluding Syria, Lebanon, Jordan, Libya and Egypt

• Worldwide Excluding United States of America, Canada, Bermuda & the Caribbean

• Worldwide including United States of America, Canada, Bermuda & the Caribbean.

The Duration of your trip - Policies are available from a few days up to annual contracts. In simple terms the longer you are going for the more expensive the premium will be. The cost of the policy is usually based on the number of persons in the party with children under 2 being covered free of charge and children between 2 and 13 at half price. This will vary from insurer to insurer as will the ability to buy a family policy.

The purpose of your Trip - holiday insurance uk is the cheapest with business travel policies attracting a loading. You should always tell the insurer the purpose of your trip, as most policies will have working exclusions particularly if you will be carrying out manual labour.

Hazardous Activities - Most policies will exclude hazardous activities and a number of people particular those travelling on “ beach” holidays often engage in some form of hazardous activity. In some cases, the insurer will provide you with cover but you may have to pay an additional premium. The following is a list of sports consider by most insurers to be hazardous.

• Archery

• Abseiling

• Badminton

• Canoeing

• Fell waking

• Football

• Horse Riding

• Ice Hockey

• Jet Skiing

• Judo

• Karate

• Lacrosse

• Pony Treking

• Rugby

• Sailing

• Scuba Diving

• Surfing

• Water Polo

• White water Rafting

• Wind Surfing

If you intend to engage in any of the above activities or believe any other pastime may be consider dangerous, always refer to the insurer before you travel.

Pre-Existing Medical Conditions - The bulk of Travel policies have what is known as a pre existing medical condition warranty, in simple terms this means that if you are already suffering from an illness or a condition, you will not receive any cover if the condition requires treatment whilst you are abroad. All medical conditions should be referred to the insurers before you travel. In certain circumstances, your insurers may provide you with cover, particularly if the condition is over 6 months old and is stabilised. A person travelling with stabilised diabetes for example should easily be able to obtain cover. Specialist insurers do exist to cover persons with even the most serious of medical conditions.  It is worth remembering that most insurers will not cover you if you are travelling against medical advice or you are travelling to seek medical treatment or a medical opinion. Certain medical, conditions such as pregnancy or HIV cannot be covered.  It is also worth remembering that self inflicted conditions or injuries are not covered by your policy. A large number of accidents and illness abroad are alcohol induced, be warned, your insurer may not pay your claim if it occurred whilst under the influence of alcohol.