Then there are legal costs. In the US, a zero-tolerance, arrest first and ask questions later approa

Many people rent car new york bmw think the government will cover their hospital bills if they fall ill or have an accident abroad. They are wrong, says Lynda Cooke, of the Foreign and Commonwealth Office s Know Before You Go campaign.
We see many cases where holidaymakers are faced with bills of tens of thousands of pounds for medical treatment and repatriation. Getting rent car new york bmw comprehensive travel insurance rent car new york bmw means that while an accident may disrupt your holiday, it won t bankrupt you.
At the very least, you need a policy that will cover you for the cost of meals and accommodation in case of a delayed flight, a refund if your holiday is cancelled or if you have to cut it short for personal reasons, and medical expenses in case of illness or accident.
The European Health Insurance Card (EHIC) does give you access to the same level of free health care as the locals in EU countries but in places like Greece or Romania, that doesn t amount to much. In such places the cost of private medical care can be very high and they ll want payment up front unless you can show proof that your insurer has you covered.
In the US, too, you ll pay through the nose for private rent car new york bmw treatment, so adequate rent car new york bmw insurance rent car new york bmw to cover costs is essential. In more exotic rent car new york bmw destinations in Africa and Asia, adequate medical care may not be available at all, so you need insurance that will cover emergency evacuation rent car new york bmw by air ambulance to the nearest international-standard hospital.
Then there are legal costs. In the US, a zero-tolerance, arrest first and ask questions later approach to law enforcement can lead to unwary travellers rent car new york bmw being banged up before trial for what might seem like relatively minor offences.
Bail bond and legal assistance cover may save you from a night in the cells in such cases. Public liability insurance is another essential: bowl another skier over while one the slopes, or bean a fellow golfer with a stray birdie, rent car new york bmw and you could find yourself being sued by an ambulance-chasing no win no fee lawyer.
People lose their inhibitions abroad and can put themselves at risk of injury by getting drunk or even risking arrest by failing to respect local laws and customs, says Tom Bishop, head of travel insurance at Direct Line, one of the UK s biggest insurers.
Revellers jetting off to parties abroad should ensure that they are covered by a comprehensive travel insurance policy when they book their trip, but they should also be safe and know their limits, Bishop says.
And there are some areas that virtually no travel insurance company will touch with a bargepole. There are companies which for a very hefty premium cover war correspondents and aid workers travelling to hotspots such as Somalia or Afghanistan, but generally, if the Foreign and Commonwealth Office advises against travel, mainstream holiday insurance policies won t cover you. Try Wild Frontiers which does cover regions advised against by the FCO.
Sports which used to be cutting edge such as scuba diving or hot air ballooning or which hadn t even been invented 30 years ago, like bungee jumping, are now part of the holiday experience for many of us.
Many adrenaline rent car new york bmw activities are covered by standard travel insurance rent car new york bmw policies, but if you are planning to plumb the depths or take to the skies make sure the company you use is properly qualified and licensed, and beware cowboy operators, especially rent car new york bmw in less developed nations.
rent car new york bmw For more extreme sports such as scuba diving in deeper waters, or black-water rafting look for a specialist insurer such as Dogtag rent car new york bmw or X1 Sports Insurance which provide cover for a range of activities including rent car new york bmw hot-air ballooning to abseiling, rock climbing, kayaking and white-water rafting
Golf isn t usually thought of as a hazardous leisure occupation, but if your favourite clubs go missing in transit or are stolen from a holiday hire car it can be heartbreaking, rent car new york bmw and not all household policies cover such losses.
If you re planning a golfing holiday, invest in a policy from a specialist insurer such as E and L which offers up to 6,500 new-for-old replacement cover, as well as public liability cover, rent car new york bmw with premiums starting as low as 20.
Car rental companies are increasingly using collision damage waiver top-up fees as a nice little earner. CDW is usually built-in to the hire company s own policy as part of the rental cost, but there s a catch scratch the paintwork and you could be in for a 500 excess rent car new york bmw payment unless you pay extra for the top-up insurance.
A much cheaper option is to buy your own CDW waiver insurance from a specialist company rent car new york bmw such as Insurance4CarHire , which covers you against excess payments on any car you rent for the life of the policy (which can be a few weeks or a year or more).
There s not much that can be done about this other than taking rent car new york bmw valuables with you instead of leaving them in the car but your claim will be stronger if you keep things in the car in a locked, hard-shell case, not loose or in a soft bag.
Campers and camper-van rent car new york bmw travellers can find policies tailored to their needs through specialists such as Alan Rogers which offers campaign policies for as little as 30, or the Camping and Caravanning Club .
*Robin Gauldie is a freelance journalist and author of more than 20 travel guides to destinations in the UK, mainland Europe, Africa, Asia and South America. He is a regular rent car new york bmw contributor to International Travel Insurance Journal.
Prices on Skyscanner always include an estimate of all mandatory taxes and charges. rent car new york bmw The final price you pay for your tickets may vary as a result of additional options rent car new york bmw offered by the airline, such as luggage allowances or travel insurance.
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