Travel Insurance. (1 Viewer)

[Bobndebs McKay]

Hi all, Debs and I set off on Monday Night across the Channel on our adventure!!
We have full insurance with recovery etc and we have our EHIC renewed. We were wondering if we should take out Travel

insurance? What do you all do? We have the normal travel insurance with our bank account, but it is only valid for 45 days per trip, although we can have limitless trips. It is our intention to be away till October this trip, in France, Spain and Portugal.
Is the MH insurance and EHIC enough? Any and all advice appreciated.

 

[scotjimland]

Just motorhome insurance + breakdown cover + EHIC..

We've never had anything else.. and while full time we used both doctors and A&E in both France and Spain .. no problems.

So IMO, not required unless in the event of being hospitaised or killed, and you want/need repatriated to the UK..

It's odd (or maybe it's not), but some travel insurers stipulate you must also have a valid EHIC card

I know you have yours, but for those who don't..
you can apply here.. https://www.gov.uk/european-health-insurance-card
it's FREE don't be caught out by scammers who charge for it

 

[Bobndebs McKay]

Thanks Jim.

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[scotjimland]

it's an oft asked question and you will get other views...

for example.. if you take part in high risk sports it may be advisable.. For me High risk is laying on the beach

I view travel insurance companies with jaundiced eyes ..

 

[Bobndebs McKay]

I fish and play golf ( badly) my rugby days are long over
I too view Insurance Companies with cautious eyes Jim.
Thanks again, may see you on the road

 

[Lenny HB]

Other countries you often have to pay a contribution, the EHIC card only entitles you to the same care as the locals. France for example if you are hospitalised you have to pay 20% of costs plus €18/day, so if you needed an operation or in an accident could cost you a few grand & repatriation won't be covered.

For our travel insurance we rely on our Lloyds Bank account that is also 45 days, but can be extended, I recently inquired about cost, £70 for 60 day muli trip cover, £130 for 91 days, I didn't inquire about longer periods.

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[cydersyd]

I am currently in negotiation with UK Insurance (Travel Insurance) which came with my Nationwide Flex Plus Account.

My van was broken into in Spain whilst parked on the road. Items and cash were stolen to the value of approx. £1500. On return to the UK I tried to claim with all the required details. I was told by UK Insurance that my claim for the theft of goods was rejected as I was not on a caravan site at the time of robbery. They consider that if the motorhome is not on a camp site then it is" in transit" and therefore treated as a motor vehicle which they don't cover!

I suggest and recommend you contact your insurance to clarify cover with this in mind.

However, My Home insurance (with UK Insurance) covered the loss under "goods away from home".

 

[scotjimland]

EHIC Country by country guide

http://www.nhs.uk/NHSEngland/Healthcareabroad/countryguide/Pages/EEAcountries.asp

and costs by country

http://www.which.co.uk/money/insura...sts-in-european-countries-when-using-an-ehic/