Gap Year Travel Insurance – Tips to Find the Most Suitable Insurer

Every year thousands of people think about taking an extended holiday.School leavers and recent graduates make up the majority of people taking extended holidays, but many professionals also consider taking a career break to explore the world.Only the most seasoned travellers realise the many potential problems they may encounter on such an adventure and take out a suitable travel insurance policy. Recent research has shown that as many as 25% of gap year travellers jet off without adequate insurance protection!Many younger, less experienced travellers are likely to embark on an expedition without realising the potential problems that may occur or without taking suitable precautions to protect themselves against them.If you’re taking a gap year, it’s important to remember you’ll be on holiday for a long period of time is much longer than the average holiday-maker. Having a suitable insurance policy will protect and reduce what could be an otherwise distressing and costly experience if things do go wrong.Annual, multi-trip policy limit the number of consecutive days you can remain abroad, usually 35 to 41 days, so they’re generally not suitable for gap year travellers.There are specific gap year insurance policies available. These policies are also known as a backpacker insurance, for travellers aged up to 36, or long-stay insurance, if you are older than 36.What a good gap year travel insurance should coverA good long-stay travel insurance policy will insure you have:Suitable financial protection if something goes wrong while you’re abroad. For example, if you are involved in a crash or injure somebody, you may have a liability to that person. Travel insurance will cover this liability.
Medical assistance. In the UK, citizens have access to the NHS, a luxury not available in any other country. Medical assistance is particularly important if you intend to travel to the United States, where medical treatment is very expensive. For example, an air ambulance can cost more than $15,000 and intensive car beds can cost up to $2,000 per day in America.
Cover for cancellation of the holiday due to illness or family bereavement.
Cover for your baggage and other personal items should they be lost or stolen.Travel insurance will provide you with financial protection should any of the above occur while you’re travelling.Remember that travel insurance polices differ between insurers, so it’s vital that you search the market to find the most suitable insurer for your requirements. Make sure you read the policy documents to make sure that you understand what is included and excluded from your backpacker’s policy.Bon voyage!

Cheap Auto Insurance: Tips for Comparing Policies and Finding Discounts on the Right Coverage

When shopping around for car insurance, it’s important to note that price isn’t the only thing that matters. It’s the overall value of each offer that matters. Cheap auto insurance isn’t necessarily the one with the lowest rate – it’s the one that offers everything you truly need at a reasonable rate.Most states only require that drivers carry liability insurance, which protects others on the road. It won’t, however, cover your own medical bills or vehicle damages should an accident occur. Think of how much money you will lose if you wind up in a bad accident and your car is totaled. Or, even worse, you end up with bad injuries and are unable to continue working.How are car insurance rates calculated? There are many factors that are considered, including:• Driving record• The type of vehicle (model and make)• How often you use it• Your age• City / state• Credit score• Whether you have a garage or if you keep your vehicle parked on the streetIf you are a student or senior citizen, you’ll be eligible for a discount. In many areas, you can bring the price down by taking a safe driver’s course.The Importance of Comparing Cheap Auto InsuranceFinding cheap auto insurance involves a lot of comparing. Enter in your details such as location, date of birth, and type of vehicle for which you need insurance into a car insurance shopping site and you will be presented with numerous quotes from different companies. The type of information you have to provide varies from one site to the next.Do research on each and every one of the insurance companies for which you get a quote. Read over the terms and conditions carefully. Which one offers the type of coverage you know for sure you’ll need? Are there some policies that offer coverage you can do without? If you have an old clunker, for instance, might not even be worth the cost of insuring it with repair coverage.If you get the option to pay premiums yearly instead of monthly, you’ll definitely want to consider doing so. Most people prefer paying monthly since it allows them to break the insurance up in smaller payments. However, there are often huge discounts available for those who opt to pay once annually. Depending on the insurer, you could potentially save hundreds of dollars a year.The best place to begin your search for cheap auto insurance is esurance. It offers an online Coverage Counselor tool to help you simplify the process. Use esurance coupons to help you save big on the ideal car insurance policy.