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It doesn’t really matter if you are a backpacker, an adventure traveller, a tourist or even a business traveller - travel insurance is vital.

However, it’s very easy to take out an insurance policy only to discover that you are under-insured for some risks - or, even worse, your policy doesn’t cover some activities.

The Consumer Action Group (CAG) has recently demanded that insurance companies must be clearer with customers when selling travel insurance.

It cites the case of a 19-year-old man who crashed a moped in Vietnam but his insurer refused to pay out.

The insurance firm involved said the policy “clearly stated” that the driver must have a full UK motorcycle licence.

The warning from the CAG comes as millions of gap year students and schoolchildren prepare to take their holidays this summer.

CAG group highlighted the example of gap year student James Pinnington, 19, who crashed his moped in Vietnam in May, breaking both his legs.

Although James had what he thought was comprehensive travel insurance, held a full driving licence and was wearing a helmet, his insurer refused to honour the claim because he did not have a full UK Class A motorcycle licence.

Officially any class of UK or international driving licence would not apply in Vietnam and local moped and car users are required to have separate licences, although these laws are not strictly applied in practice.

James’s father Chris had to pay £25,000 to transport his son from a remote village in Vietnam to London via Bangkok.

Before taking out any travel insurance we strongly suggest that you ask for a copy of all the relevant documentation. Make sure the policy provides you with adequate cover for the activities that your journey will include.

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Most people are content to spend their vacations in hotels and spas just relaxing and enjoying their time pampering themselves. These are the typical tourists who go to the popular places and tours. However, some people feel that this type of traveling and vacationing is a waste of time. This kind of people hunger for adventure.

Adventure holidays are extremely popular nowadays not only because the world is getting smaller – with all the kinds of transportation available like cars, trains, ships, airplanes, and many more – but also because you don’t really have to go that far away from your home to get that adventure that you desire.

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Not all people are satisfied just staying in their hotel rooms during vacations. And some people don’t even stay in hotels during their travels. These people are thirsty for adventure and excitement in their lives. That is why there is such as thing as activity holidays.

Because of rising prices in food, gasoline, and everyday necessities, more and more people begin to see vacationing or traveling as a waste of time or money. The resources you spend in airplane tickets, board and lodging, other transportation could very well be placed into other matters in need of funding like education or putting up a business.

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In travels, one of the obstacles or challenges that travelers encounter is packing their suitcases. Not only do you have to worry about your passport, travel money, your plane tickets and other necessities, you also have to plan and prepare your travel apparel so that you can be prepared for any circumstance you might run in to during your travel.

There are many approaches to travel apparel. Many people pack their luggage during the last minute and therefore resulting to inconvenience when it turns out that an important piece of clothing was left behind. There are also others who pack too much. This is the kind of person who packs everything he or she can think of bringing “just in case.” This ends with unnecessary discomfort in carrying the luggage around and perhaps extra charges for the extra weight.

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A short post today, I’d like to share this quotation with you…

Travellers are vital to this planet the way that blood is vital to your body. When a body is ill - diseased or parched or withered - the job of the doctor, masseuse, or therapist is to improve the circulation of blood to the affected area. I say that a healthy flow of travellers (Travellers - not tourists; tourists never visit diseased places) will work better than anything to heal the sick, impoverished, illiterate, malnourished parts of our world.
~~ Lance Free

I hope that it resonated as much with you as it did with me.

Popularity: 67%