AtHomeWithLorraineKelly2016 - 241

SOME OF THE TOP
THINGS TO CONSIDER:
Buy sooner, not later. Get cover as
soon as you've booked your holiday
and you'll be covered if it's cancelled.
Look beyond the cost. A cheap policy
might only pay out a small amount if
you make a claim. Check that the limits
on things like baggage and personal
money are adequate for your needs.
Cover your gadgets. Take advantage
of optional cover for phones, tablets
and cameras. It can cost less when
bought with travel insurance.
Consider annual cover. Choose this if
you intend to travel more than once a
year - it may well work out cheaper.

Carolyn's story

Carolyn Cotterell

When Carolyn Cotterell lost her
on her Himalayan
husband, Steve, to cancer in 2013,
adventure
she had no idea his funeral would
lead to a once-in-a-lifetime motorbike
trip to the Himalayas where insurance
wasn't just an option, it was essential!
'It was the ﬁrst time I'd seen Brian,
Steve's best friend at college, for about
15 years. While under sad circumstances,
it was great to catch up and he, being
an adrenaline junkie, soon started talking
of his motorcycling adventures, one of
which included a planned three-week
ride in the Himalayas.'
Carolyn and Steve met at college
through their shared passion for
motorbikes so when Brian
asked if she'd like to join
him and his friends on
the epic journey, it
seemed  ﬁtting and
Oﬃcial statistics show
something Steve
16%
of travellers believe
would have loved. She
covered this. If I was in
the UK government
knew it would by no
an accident, I also
means be a tame trip,
wanted to make sure
will pay for any medical
taking her completely
repatriation wasn't
treatment they may need
out of her comfort
an issue. Under those
zone. One week before
circumstances, I would
while abroad. They're
they set off from
want to get home as
wrong.
Heathrow in June last year,
quickly as possible to be
reports came through of a biker
with my children.'
on a similar ride being killed on the
Carolyn was able to check she was
treacherous mountain roads.
getting the right policy by talking to a
'I'd never done anything like this before
specialist insurance adviser, leaving her
and had no idea what to expect. It's fair
to focus on the challenges ahead.
to say I was ridiculously apprehensive.
She says, 'There were moments when
Usually I'm the type of woman to be
I was petriﬁed I might ride straight off
found curled up on the sofa with my
the side of a mountain - the dangers
Kindle or making something at home, not
were very real. Making it to the highest
jetting off to indulge in extreme activities.
point of the Khardung La pass in India
I wanted to make sure I was protected
was a moment I will never forget - the
should anything happen.
sense of achievement and stunning
'I have high blood pressure which is
views were incredible.
a big concern in the high altitudes. This
'It was extremely emotional for us as
could have rocketed and caused serious
we all stood huddled round and said
problems so I needed to know for peace
some words in memory of Steve. I still
of mind that I had insurance that
can't believe I did it.'

No they won't...

WHAT ABOUT
medical conditions?
If you do not declare ill health
or an old injury and something
happens while you are away
that's linked to one, it's unlikely
the insurer will pay any claim you
make for medical costs.
You'll need to look at a policy
that covers pre-existing medical
conditions, which can be anything
from high blood pressure to
terminal cancer.
Some 60% of Insurance Choice's
customers purchasing travel
cover have a pre-existing
medical condition. The broker
can arrange cover to include more
than 250 health issues without
medical screening. It can also
organise policies for customers
awaiting treatment or suffering
from an undiagnosed disorder.

FOR MORE INFORMATION
Call 01926 319220
Visit www.insurancechoice.co.uk
AtHomeWithLorraineKelly2016

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