Q8 Loser

Last hebdomad my married woman and I booked a two Centre holiday on the Scots Isles. Seven years on Skye and then a ferryboat over to Steornabhagh for a additional seven years on the Isle of Lewis. Fantastic scenery, plentifulness of walkings and multitude of peace and quiet.

You could have got blown me over when my local travel agent assumed that I wanted travel insurance for an further £27.50. Not on your Nellie the Lock Cape monster, I thought. Who needs travel insurance for a holiday in Britain? The National Health Service is free and in an emergency, my boy could drive up and convey us home.

Later in the restful scene of my sitting room I got to thinking.

Holiday bad lucks don't only go on abroad. So with my pessimistic chapeau on, I made a short letter of the risks:

Some rat might steal our luggage

Last hebdomad I bought an all vocalizing and dance digital photographic camera especially for the trip. Got it on the Internet. I might lose it whilst away.

If either of us were hospitalised we wouldn't desire to be marooned on Skye. We'd desire to transfer to our local infirmary in Warwickshire.

My wife's parents are getting on. Supreme Being forbid, but I'd have got to call off the holiday if something happened to them just before we're due to go.

One of us could be taken sick before we go and we'd be forced to cancel. As the ferryboats and the hotels were non-cancellable, we'd lose everything we'd paid.

There may be a major hold at the ferryboat going over to the Isle of Lewis. Besides the inconvenience, we have got to arrange an extra nightlong stay on Skye.

One of us might be called up for jury service.

Then it struck me. If I were holidaying in the Britain, my existent Home and Contents policy might cover me for loss of my photographic camera or luggage. I dug out the policy document. Lucky Iodine did. Iodine was only insured for “personal possessions” if they were listed and as I'd just bought my digital photographic camera I hadn't got unit of ammunition to listing it as a valuable point on my policy.

Another facet struck me. I'd lose my no claims price reduction if I made a holiday related claim on my Home & Contents policy. That wouldn't be a good idea. I've got a 10 twelvemonth claims free record that policy and it still cost me £310 a year. I jotted down a another short letter – remember, when the policy come ups up for renewal, see if I could get it cheaper on the Internet.

By now a travel policy at £27.50 for was looking worthwhile after all.

Now my married woman states I'm a spot of an old tegument flint. So maintain up the image! I know, get back online and check out the travel agents' policy at £27.50. Are it competitive?

Not all the web land sites I surfed could offer me a single trip travel policy for a holiday within the United Kingdom but within 10 proceedings I'd establish what I wanted - and a economy of over £10!

Time to analyze the small black and white to confirm I had the screen I wanted. Great, all the hazards I had noted were covered. The insurance company would even pay out £30 if my ferryboat was delayed for up to 12 hours and then give me the option to call off my trip to the Isle of Jerry Lee Lewis and get my money back.

Now what wouldn't they pay for? I wasn't covered if my holiday was for less than two nighttimes or my hotel was less than 25 miles away from home. I also had to ran into the first £30 of any claim. Seemed just to me.

The determination was made. Simply type in my credit card inside information and I was insured in a CLICK.

Peace of head restored!