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We have all seen and read media reports and statistics about the perils of not taking out travel insurance. There is certainly plenty of information on the internet for travellers regarding the importance of insurance. Despite this, however, recent research by the Association of British Travel Agents (ABTA) indicates that one in five British travellers still neglect to take out travel insurance for their trips and holidays.

The British Foreign Office and their ‘Know Before You Go’ service provides excellent and free travel advice and country information to assist travellers before they set off. They also warn of the potentially dire financial consequences for those who risk setting off without travel insurance.

It appears that despite all the warnings many holidaymakers are still either unaware of the risk they are taking, or prepared to take a chance. This is a case of false economy as the cost of travel insurance is very cheap compared to the bills that could mount up over problems that arise while travelling overseas.

The ABTA research has shown that younger travellers, mainly the 15-24 age group, are the most uninformed as they believe that if anything bad happens to them while abroad the government will pick up the cost and take care of it for them. This could not be further from the truth. Many young travellers go abroad with friends, or on adventure holidays, or for Hen or Stag parties so are at particular risk. However, it is important to remember that if intoxication or rowdy behaviour result in injury, fines, or arrest your consulate or embassy cannot pay the bills for you or secure your release.

The sad reality for the families or parents of young travellers who get into trouble abroad is that they are going to receive a desperate telephone call for help and will have no option but to come up with the needed funds. The British Embassy or Consulate will go as far as making calls and contacting friends and relatives for them and advise on the transfer of funds, but that is about the extent of their assistance. The government does not cover payments for hospital treatment, nor does it pay to fly anyone home (repatriate them) or provide funds if they run out of money, get arrested, or have all their money and possessions stolen.

It’s summer time. You can’t wait to make use of your leaves from the office. You started planning for your vacation. You want to make sure that it will be a great one and that you don’t to miss any single detail. Then, a friend suggested that you get a travel insurance.

You then wondered, what’s with a travel insurance? You went online and started doing a research. You realized that getting a travel insurance is one of the top priorities when going on a vacation. But how will you be able to choose the best one? The answer: travel insurance comparison.

In getting a travel insurance, it is important for you to have some choices to be able to do the comparison. Ask some of your friends or try to find some in the internet. Then start comparing. Here’s how…

1. Check the reliability of the insurance provider. Make sure that the company is licensed. This will help you avoid fraudulent illegal companies that won’t pay your claim.

1. Determine the costs and time frame coverage. Of course you are after an affordable policy so it is just proper to know the price you’ll be paying for. But, you should also find out if the insurance protects all your travels for the entire year or for a single trip only. From there you could decide which one suits you and your budget.

1. Look up all the emergency situations covered by the policy. Some insurance policies only cover the basic requirements but not all possible emergency situations. It is best for you to get a policy that offer maximum benefits in situations like car collision, lost luggage/passport, flight delay or cancellation, and even worse ones like terrorist attack or swine flu epidemic.

1. Lastly, be aware of the policy exclusions. As mentioned above, the policy that offers more benefits is better thus the policy that has less exclusions is just as great.

Whatever stage of life you begin the touring caravan life, that feeling of waving goodbye to conventional trips and getting out on the open road in a touring caravan is hard to beat. It may have taken years to save up enough money to buy one, and then you had to wait until you had the free time to go travelling, but now you are so close to being ready to go.

Apart from the caravan, yourself and any family or travelling companions, and perhaps a few clothes and some personal hygiene products…there is one crucial ingredient which you will need, to give you the freedom to really enjoy this great lifestyle. This is insurance for touring caravans. And like it or not, getting to understand it well will mean that you can find the balance of the best touring caravan insurance cover and policy cost.

Touring Caravan Insurance-The Main Ingredients

An insurance for touring caravans policy will have several elements to it, and you are advised to familiarise yourself with all of them. The main areas are contents insurance, public liability, loss and damage and continental use for when you go abroad. There will also be excess payments and exclusions to be aware of.

Damage and Loss Cover

This deals with either damage to, or loss of the caravan. Caravans up to 5 years old should qualify for “new for old cover” which is when new caravan/parts are provided.

When the caravan is older than 5 years, then it is normally the “market value” cover which will come into play. In other words any replacement will be calculated according to the current market value of the caravan.

Personal Effects and Contents Cover

This is something that can be opted in for or not at case may be. Traditionally this aspect of cover can be rather restricted so never assume what your contents or personal effects are in your opinion, always check and double check the small print!