Get travel insurance – Make sure it doesn’t happen to you!

Get travel insurance – Make sure it doesn’t happen to you!

Now this is a true story and shows what can happen when you least expect it. Picture the scene, Mr X is on his ski holiday and is waiting in the lift queue when someone careers into him from behind. The next thing he remembers is being stretchered off the mountain by an air ambulance and ends up in traction in the clinic. Luckily for Mr X he was covered by his and is now claiming back for damaged ski equipment, rescue costs, medical expenses, the unused portion of his lift pass and is considering taking out a third party claim against the reckless skier who hit him, which again his Travel Insurance should cover the legal expenses to do so. This is not an isolated event and resorts in Switzerland now have speed patrols to take action against the oy racers?and peed merchants?who endanger others by their actions. Other countries will follow suit as this trend increases.

But alarm bells should be ringing here, not just against the rise in the accident rate on the slopes but that recent surveys still show a high number of people going abroad without any at all. Whether this is just forgetfulness or a desire to live dangerously, it is shows that many people view as an extra expense which can be added or deleted depending on the holiday budget. But with price of premiums, particularly on the internet, being relatively cheap ?you can find a week Winter Sports cover to Europe for under 10, it does seem to be an unnecessary risk to take. It is not necessary to pay through the nose these days and if you are prepared to surf the net then there some excellent deals to be had.

So to go back to Mr X for a moment. Although he has had to come to terms with having his holiday cut short, he does now have the backing of his insurance company to recover most of his costs and maybe some compensation from his assailant. But picture the scene again if, like an increasing number of travellers these days, he had decided to overlook travel insurance. He would be facing hefty medical and rescue bills including the potential of being repatriated home at own cost. So the next time you are undecided about taking out travel insurance, do remember Mr X, unless of course you are one of that increasing band who do want to live dangerously!

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