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THE POST OFFICE The Post Office - the biggest provider of foreign currency in the UK - now sells over a million holiday and travel insurance policies a year. The fantastic advertising campaign starring those cute little ants boosted its profile on the high street nend and helped give it a major foothold on the market. If you shop online, you can order your foreign currency, book airport car parking, hotel and transport to the airport at the same time. You can even arrange car rental in the UK and abroad. BenefitsArranged by Aon Limited and underwritten by Fortis Insurance Ltd, key benefits of Post Office travel insurance policies include -
Qute and buy onlineOnline purchasing is as easy as abc, and for single trip cover, the good news is that there's no age limit. As with all insurers, you'll pay over the odds if you're among the growing band of silver surfers who happen to be over 64. But buying online is easy, and beats queuing at the Post Office. To calculate the cost, you simply click your mouse on:
It couldn't be simpler - or quicker. Just before rustling up a quote for you, you're asked for the number of people aged under 18, 18-64 and 65 years and over. Personalised coverIn less time than it takes to say abracadabra, your quote appears on screen with a confirmation of the policy details, so you can see straight away if you've clicked your mouse on the right box. You can then personalise the type of cover you need by clicking your mouse on the various options (eg Ski/winter sports, Hazardous Activity, Golf, Extended baggage cover, or Excess Waiver). Family holiday insuranceFamilies like Post Office travel policies because named dependent kids under 18 go free. Children can't travel solo, though - they have to be with another family member (eg parent, grandparent, uncle, aunt) or a legal guardian who's already bought their own travel insurance cover from the PO. Policy prices seem reasonable.For a couple aged 64 or under heading off tEurope for a 3-day break, say, they quoted us £14 (£7 for a single traveller - there's ndiscount for twosomes). If you're of a certain vintage, ie 65 and over, sad to say but in the insurance industry's view that puts you in the one foot in the grave bracket. That's presumably why the cost for a 65-year-old rockets to an eye-watering £23 (over three times the cost for a 64-year-old!). Looking on the bright side, the cost stays the same even if you're 102... Annual Multi-TripYou can get cover for every trip you take in a year, as long as nsingle trip is over 31 days and includes at least two nights away from home. A major plus is the fact that it alscovers you for both business and pleasure trips. But age restrictions apply - you must be under 65 at the start of the policy, plus there's a list of pre existing medical conditions that would exclude you such as -
More on pre-existing conditions, there are many brokers happy to insure you. For an extra premium you can get cover for winter sports with your annual multi-trip policy. The max period of cover is 21 days in total in any 12-month period. So in theory you could get 3 winter skiing holidays of 7 days' duration each in any one year. Annual travel insurance makes sense if you plan on making more than one trip a year. Over 65sThe Post Office provide single trip policies for people over 65, 70, 75, 80 and on, indeed they have no upper age limit on single trip policies. To get quotes for people over 75 you will need to call the contact number 0800 169 9999 for individual rates. The travel insurance is priced according to destination: UK, Europe, Worldwide (excl. USA Canada, Caribbean), Worldwide (Inc. USA Canada, Caribbean). Pre Existing ConditionsHealt restrictions do applu to policies and a health declaration must be made, or you can contact the Medical Screening Line, premiums may be increased as a result and not all conditions are covered. Hazardous activitiesCheck the website to keep up to date with the latest hazzardous activity list as more extreme activities are not covered. No fewer than 44 popular activities all carrying some degree of risk to life and limb, are covered under the Post Office policy. They are -
As well as that little lot, if you go for for the Winter Sports Cover, you also get the opportunity to break your neck with the following daredevil and adventure pursuits:
The Ski/Winter Sports insurance covers single trips up to a max of 90 days. More on winter sports and ski cover and hazardous activity cover. Golf coverYou can also take out Golf cover - and if you're planning on teeing off while you're away, click your mouse on the Golf option to enjoy the following benefits:
More on golf cover. For a single adult heading to Spain or Portugal to get 13-17 days golf under their belt, golf cover costs just an extra tenner (£25 without specialist golf cover). Baggage coverYou can up the ante on personal belongings cover up to a max of £1,000 for photographic gear, say, or sports equipment. But read the small print - you must supply the original receipt if you need to claim. Have you got it? For a short break to Europe - up to 3 days - you'll pay £17 in total (an extra tenner for baggage cover). Contact details Website: Tel: Freephone 0800 169 9999 |