South Africa[ edit ] South Africa allocates a percentage of the money from fuel into the Road Accident Fundwhich goes towards compensating third parties in accidents.
In the financial year, Australian travellers lodged almostinsurance claims. Before you buy 1. Where are you going? And not all policies cover you to change your plans due to a riot or civil unrest, for example. Usually a worldwide policy will cover this. There are more than 30 travel insurance brands, each with multiple policies.
So ask yourself these questions: How long are you going for? What are your going to do there? Are you taking valuable items? Do you have any medical conditions?
Just a quick trip? Simply buy a standalone travel insurance policy for a set number of days. Consider an annual multi-trip policy or a credit card with travel insurance.
Annual multi-trip policies and credit card policies can restrict the length of each trip you take — anywhere from 15 to days depending on your policy. Some allow you to pay for extra days. What are you going to do there?
Cruising the ocean roads on a scooter? Carving up the ski slopes? Paragliding from a mountain top? Are you taking any valuable items? Do you need cover for a digital SLR camera or expensive tablet or laptop? Policies also vary when it comes to how they cover valuable items.
If you have a medical condition that existed before you bought your policy, it may not be covered. This can range from something as common as allergies or asthma through to diabetes, heart conditions and knee replacements.
So if you buy two months before you fly, you effectively have free cover for any events that affect your travel plans in those two months. Left it until the last minute, or even later?
Buy online While not all policies are discounted online, plenty are. Make sure you understand the policy and what it covers.
Take the usual precautions when giving your credit card and other details over the internet. Stay loyal Does your health, car or home insurance provider also sell travel insurance?
Travel agents pocket a commission when they sell you insurance, so if you find a better deal elsewhere, ask them if they can beat it. This type of insurance can sometimes be a money-saver, but make sure it gives you the cover you need.
See below for more on credit card cover. You know what they say about checking the small print? The table of benefits is an overall summary of your cover. Pre-existing conditions can remind you of forgotten ailments and are essential reading for anyone with any kind of medical condition, no matter how mild.
The word definition table might contain a few surprises — a good place to check on the definition of a "relative" or a "moped", for example. The claims section lists further points to be aware of e.
The list of travel insurance disputes taken to the Financial Ombudsman Service FOS reveals a battlefield of unread or misinterpreted terms and conditions. Most disputes that reach the FOS decision stage are resolved in favour of the insurer, not the applicant. Not all travel insurance policies are the same, and the wrong policy can be almost as bad as none at all.
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