How to Save Money on Travel Insurance UK - travel Insurance polices are available from a wide number of sources and as with all types of insurance policy, it is worth shopping around.  Always check the cover on offer as cheaper options may have a lower sum insured for medical expenses, whilst this may be acceptable whilst traveling in Europe, a higher sum insured will be required when traveling to the United States of America. A minimum of £5,000,000 is usually available.

If you book your holiday via a tour operator, they will undoubtedly offer you their own travel policy, these tend to be amongst the most expensive available on the market so beware, don’t just take out cover just because it is convenient.

You may find that by travelling a family, you can buy a policy that will cover all of you, ask about a family policy, it may save you money. If you travel on a regular basis, investigate the possibility of an annual policy as this again may save you money. Be careful if you do buy an annual policy as particularly the cheaper ones have maximum trip duration.

Sometimes travelling abroad as a a group etc, you may find that your insurance costs are slightly higher, insurers frequently have an “ accumulation limit” and sometimes are concerned about insuring large numbers on one trip as this can effect their exposure to a serious loss.

Making a Claim - There are a few simple rules if you wish to make a claim under your Travel Insurance UK Cover Policy.

• If your ill whilst abroad and have to seek medical attention, advise the medical practitioner that you see that you have the benefit of a Travel Insurance policy covering medical eventualities. For smaller claims keep receipts for anything that your purchase but remember, your policy will normally have an excess of about £50.00 so claiming may not be worthwhile.

• If you lose any item or it is stolen report it to the local police as soon as possible and ask for a reference number. It is highly unlikely that your insurers will pay a claim for lost items if the incident has not been reported to the police.

• If your baggage is lost whilst in the course of transit with an airline, remember to notify the airline immediately that you notice the loss. Read your policy, as you should be entitled claim for clothing providing you are on the outward portion of your journey. You must ask the airline to provider you with a “ baggage irregularity form”. This form provides details of the loss and your insurers will need to see sight of it. It is a good idea to keep items such as boarding cards etc as your insurers may want to see these as well.

• If you are unable to travel because of illness, your insurers may want to see confirmation from your medical practitioner confirming that you were unfit to travel.

• Keep all tickets and obtain confirmation in writing from your travel agent or airline that you are unable to obtain refunds if you are unable to Travel for any reason..

• Insurers receive a large number of claims for lost baggage, which they will not pay. Most policies contain a clause stating that you must not leave your bags unattended at any time, always pay attention to your belongings