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Entries close 31 March 2021.
Travelling without insurance is very risky – and could leave you with huge expenses if something does go wrong during your holiday.
You’re either someone who makes sure that travel insurance is in place the moment you’ve booked your trip – or someone who really doesn’t think it’s necessary.
Single or Multi Trip Policies
Whether its single trip or an annual multi-trip policy, travel insurance is designed to cover major mishaps that occur whilst on holiday, from medical emergencies to lost or stolen luggage and natural disasters such as earthquakes, hurricanes and ash cloud.
FOCUS has teamed up with DTW 1991 Underwriting Limited, who underwrite on behalf of Syndicate DTW1991 at Lloyd’s, to provide specialist travel insurance. Whilst they provide a facility to choose the cover you need, DTW will create a bespoke policy to include any extra cover you need.
The policy cover is flexible and provides cover for many events that standard travel insurance may not, e.g. trekking to any height limit, motorcycling holidays to 2000ccc engine size, ash cloud protection to name a few.
Alone, Family or Business Travel
Whether travelling alone, as a family, or on business, the cover can be arranged to suit your needs.The policy is recognised and backed by BIBA (British Insurance Brokers’ Association), to give you complete peace of mind.
The coronavirus pandemic has had an impact on all travel insurance offerings and there are now many differences in cover.
DTW1991 have put together this simple guide that details what is covered by their policies in relation to COVID-19, and importantly, what is not.
In a nutshell, no. The cover can vary hugely in terms of limits and exclusions. Make sure that the travel insurance you take out meets your needs.
Generally, you will not be covered for any claims arising as a result of an existing medical condition UNLESS this was disclosed to your travel insurance provider before the policy was taken out and cover was agreed.
There are specialist travel insurance providers that may be able to provide you with a quote if you have a serious medical condition. The Money & Pensions Service has created a directory which can be found here. All firms in the directory are authorised and regulated by the Financial Conduct Authority (FCA) and have been through a rigorous selection process to prove their specialism
Not all travel policies will include cover for leisure activities such as white water rafting, horse-riding, scuba diving etc. By speaking to a travel insurance broker you can make sure you leave the country with the right protection in place.
With cover for over 150 sports as standard and activities such as 4 wheel track days and competitions, marathons (including Marathon des Sables) and SCUBA diving up to 50 metres can be included for an additional cost.
Cancellation Cover is also provided in the event that injury prevents you from competing and sports equipment cover is also available.
If you would like assistance, we can discuss your needs and arrange travel insurance with DTW 1991 for you, subject to a £25 administration fee. To find out more, simply telephone the office on 01865 953111.