As the economy eases and the real estate market shows signs of revival, many people whose home buying plans were on hold are now beginning to look around. If buying a new home or vacation property is on your agenda, the Insurance Information Institute (III) has some advice for you: make insurance considerations an important part of your home buying process.
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What is the Best Cruise Insurance?
0Travel insurance can cover a variety of different trips, from simple family visits to elaborate resort vacations or cruises. Most policies are not specific to one type of vacation. When comparing plans, try to identify which coverage benefits are most important for this trip, in other words, what could go wrong and needs to be covered. With cruises, there are several coverage benefits that become more important.
Medical Evacuation: An evacuation from a cruise ship can be one of the most expensive claims. Most ships will have medical staff on board, but if there is an emergency, transportation to a nearby facility on land can be costly. It is wise to find a plan with at least $100,000 per person of coverage to protect against the worst case scenario.
Trip Cancellation / Interruption: Cruises are not always cheap and rarely is the investment refundable. If for a covered reason the trip is cancelled before it begins, or interrupted after departure, then the unused trip costs can be reimbursed in a claim. Most commonly, this is a sickness, injury or death of a traveler or family member back home.
Missed Connection: When the travelers are delayed by a common carrier, such as an airline, and arrive late at the port-of-call, this coverage is very helpful. The traveler can be reimbursed for the additional transportation expenses to catch up to the ship at the next port.
Hurricane & Weather: This is commonly a covered reason under trip cancellation and trip interruption. Though coverage varies, cruisers benefit most by the following benefit language: complete cessation of common carrier, mandatory evacuation, inclement weather and hurricane warning. These scenarios are most likely to impact a cruise.
Squaremouth recommends finding the desired coverage at the best price. Contact a Squaremouth representative for assistance with a travel insurance quote at 800-240-0369. Always refer to the certificate of insurance for details.
With Insurance, Missed Connections Need Not Mean Missing Money
0Recently, as everyone is probably aware, several flights from Europe to different parts of the world were delayed, due to the earthquake and the high concentration of ash in the atmosphere. Travelers who had taken an international travel insurance plan with Travel Guard’s Pack n Go did not worry at all.
These travelers waited out the delay in the comfort of hotels near the airport, carefully preserving their bills for the stay and the food, which they later submitted and got reimbursement for.
Some of the travelers with the Pack N Go travel insurance had to change their flights once the flight services were resumed. This meant that they had to go to a different airport and buy new tickets at another airline services. They were given the cost of the transportation and also the cost of the new tickets, which were of the same class as the earlier tickets.
There was the inevitable confusion about the baggage and some of it was misplaced in the delay and the missed flights and transportation. T Read more…
Chucked out TV packaging a marker for thieves
0Churchill has advice for football enthusiasts who are proposing to buy a new television set to watch the World Cup.
According to the insurer’s research, 18% of households are planning on upgrading their TV for the spectacle, with 5% having already done so.
However, indiscretion over the disposal of the packaging can provide potential burglars with a useful marker.
The firm’s head of home insurance, Martin Scott, explains: “Leaving packaging outside the house advertises the brand new TV to opportunist thieves.”
He adds: “Householders are, therefore, unwittingly making public their recent purchases and could increase the chance of a break-in.”
Churchill recommends that packaging for costly items such as a state of the art television should always be disposed of promptly away from the home, at local recycling points.
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