I have recently been through the process of buying travel insurance. Strange as it may sound, as a former member of the travel industry I gave the insurance category little of my attention. Ordinary members of the public I suspect buy their insurance at just the wrong moment. That is as they are booking their annual two week holiday. This is generally the wrong time and often they buy an over-priced single trip, single destination policy.
Travelling within the EU
At a personal level I was always able to secure free or deeply discounted insurance from a friendly trade supplier. Typically free, if I happened to be a trade customer and discounted if I wasn’t. Secondly, even after I had left employment in the industry I tended to have the confidence not to bother with insurance. If I went skiing I would certainly buy a carre neige or similar. If I went to the US I would buy insurance – I didn’t want to face the risk of needing medical attention and paying US hospital charges. But travelling within the EU and having an E111 meant I didn’t bother.
Winter Sports Cover
Recently, though, I have two closely packed ski holidays and my wife had a separate week’s holiday in Sharm el Sheikh. So with the perceived risks of skiing and the issues of holiday to the Red Sea meant we needed an annual multi-trip travel insurance policy.
Sharm el Sheikh
The interesting thing about Sharm el Sheikh is the way it is seen by the travel industry. Although within Egypt and therefore geographically part of Africa, it is perceived to part of Europe, and treated as such by insurers, for travel insurance purposes.
The Benefits of Annual Multitrip Travel Insurance
As part of the online marketing industry it was obvious to me that the best place to buy was online. And indeed without too much searching we found several suppliers with easy to use quote engines. In the end we bought and cover from an online travel insurance specialist. Despite going on a five hour flight to Africa and having two ski holidays my wife and I have insured ourselves for less than £100. Only a few pounds more than had we bought a single fortnight’s cover. We now have the remainder of 42 weeks left before we need to buy another policy.