Travel Insurance

One of the ads on this site is for Staysure Insurance - over 50s specialists. As our annual travel insurance runs out shortly I thought I would get a comparison quote from Staysure, partly because of being over 50s specialists but mainly because of the fact they have chosen a ski site to advertise.
As a company to deal with over the phone, they are a breath of fresh air. Friendly, helpful, and very competitive quotes BUT I haven't gone ahead with their annual travel policy including winter sports due to one very important obstacle - cover for luggage is only £200. If I take out a single trip policy, I can have £2,000 worth of cover, but not on the annual policy.
Bearing in mind what might be in your luggage for a winter sports trip and the cost of replacing particularly out in resort should the worst happen, £200 is derisory.
At least I found out before going ahead with the policy!

It's not surprising that they are competitive - if the max they will pay is £200 for luggage!

A lot of over 50's specialists are not that cheap - if motor insurance is anything to go by anyway.

Lucky escape if you ask me!

What is the excess? I keep my quotes low with a £200 excess. Given 40 years+ ski insurance with only one closed piste claim, I guess I am £8000 ahead. To be honest, since all my spensive gear, laptop, paintings, Ipod, camera, is in my hand luggage, the contents of my hold rucsac mught be worth £35.67, accounting for inflation.

The excess seems to be a standard £65, but I also got a quote for no excess and that was still (on the face of it) a very competitive quote - until I found out about the limit of £200 on baggage!

As I age, it may be more difficult to read the small print but it really is worth doing :D

jastem wrote:The excess seems to be a standard £65, but I also got a quote for no excess and that was still (on the face of it) a very competitive quote - until I found out about the limit of £200 on baggage!

As I age, it may be more difficult to read the small print but it really is worth doing :D

Jastem,
Have you checked your household insurance? We have baggage insurance on ours.

Ally

Good point - and it certainly was on a previous household policy. We are now reassessing several of our policies with what looks like a very positive outcome in terms of cover, very competitive quotes and nice people to deal with - am I allowed to say NFU?

Jastem,
As farmers, we have had our business insured with the NFU for 'forever'. They are a very reputable company and they have always settled all our claims without dispute.

However, they told me a few months ago that they're not covering pre-existing conditions on travel insurance, even if we don't actually suffer from it but have been prescribed medication as a preventative measure. In our case they said taking statins meant we suffered from a heart condition and therefore wouldn't be covered for this even though the one taking the statins has always had a very low cholesterol and the doctor prescribed them because of her age (not me I hasten to add).

So, the one taking the statins has got her travel insurance from Saga, which will insure her in spite of them (at an increased cost). One of the many problems with getting older is that one builds up an ever increasing number of 'pre-existing' medical conditions, and medications for them.

Our household insurance is with the NFU and does include baggage insurance :D

Ally