When you go on holiday it is important to get travel insurance to help protect you against any unforeseen circumstances that could cost you money, from lost luggage and delayed flights to hospital bills.
As well as taking out a travel insurance policy though, you also have to make sure you stay within the parameters of your cover and don’t do anything that might make your policy void when you come to make a claim.
Below we’ve identified some of the common ways people end up voiding their travel insurance policies, so that you can avoid the same fate!
Fail to Check in for Your Flight When it’s Delayed
Even if you arrive at the airport to find out that your flight is delayed, you need to check in on time. The insurance company will likely write to the airline to ask for confirmation of your check in time and they will expect you to have arrived on time and checked in even if your flight was late.
Fail to Declare Any Medical Conditions
If you’re currently taking medication for a health problem, then you need to declare it to your insurance company. You’ll also need to declare anything you’ve had to see a doctor about or seek treatment for – check with the insurer to see how many years of your medical history you need disclose.
Similarly, if you develop a condition after taking out your policy, you will need to get back in touch with your insurer and declare that too. If in doubt – always check.
For more information on this, read our guide on travel insurance with pre-existing medical conditions.
Be Unable to Provide Receipts for Your Belongings
If you’re the victim of theft on holiday and you want to claim against your Travel Insurance, you’ll need to be able to prove to your insurer that you actually owned the stolen item in the first place.
This can be tricky for valuable items you’ve been given as gifts or that you’ve owned for a long time, but it’s something to bear in mind when you take expensive belongings on holiday with you.
It’s also a good idea to have photographs of valuable items.
Go Skiing or Undertake Extreme Sports Without Informing Your Insurer
Ordinary Travel Insurance won’t cover you for winter sports or extreme sports. You must inform your insurer and make sure you have the correct kind of policy before undertaking these activities whilst on holiday.
Otherwise, you may find your insurance voided if you sustain an injury and need to claim for medical costs.
For more information on this read our guide on travel insurance for winter holidays.
Contravene Travel Advice from the WHO or FCO
That is the World Health Organisation and the UK Foreign & Commonwealth Office respectively. If they have issued warnings against all but essential travel to a particular destination, but you decide to go anyway, this may result in your insurance being voided.
Get Involved in an Altercation
If you’re injured in a fight, it can be difficult to get a pay out from your insurer unless you can prove you acted only in self defence.
Turn Up Late for Your Flight
Although your insurer will take into account any unavoidable delays (such as train delays or your airport transfer bus breaking down). You won’t be covered if you simply arrive late through poor organisation.
Fail to Get the Necessary Vaccinations
It’s your responsibility to find out what, if any, vaccinations are necessary before travelling to your destination. Your insurer and your GP will be able to advise you, but you’ll need to make sure this isn’t overlooked.
You are Careless with Your Belongings
If you lose something because you leave it unattended in a public place or an unsecured area, your insurance policy will be unlikely to pay out. You must ensure you keep your belongings either with you or stored somewhere secure at all times.