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Any advice welcomed - I (and family) am about to temporarily relocate overseas to Australia for a 3 month work trip. We want to then use up all my accumulated leave and take advantage of the trip by travelling around for a month before returning to the gloomy UK in December.
We are covered by work insurance for the first 3 months, but then need to sort out travel insurance for the duration of our holiday travels. Trying to buy insurance, it seems that no-one will start cover when we are already overseas - all trip insurance needs to cover a period starting and ending in the UK.
I don't want to buy 4 months of cover when I only really need 1. Any clever ideas?
I don't want to buy 4 months of cover when I only really need 1.
You'll also get hit on maximum trip length...
Are you 100% sure your work cover won't cover you? All the one's I've had before did, but not had to go away for a month before.
Might be worth talking to STA or whatever they are called these days for "gap year" insurance?
Most corporate travel policies should pick up incidental personnel travel, that would be my first port of call.
OK ta, I will have a chat with work first. Bit worried that the standard work cover might not cover us for some of the more adventurous activities we're planning, but I can talk to them about that (and maybe adjust the plan accordingly!).
A general policy for 12 months will probably be better value than a one month if your doing work travel too. What dangerous activities do you have planned?
Whatever you do, just make sure you're covered dude. The relatively small cost of travel insurance seems a rather trivial thing when you're lying flat on your back in a foreign hospital's spinal unit, thousands of miles away from your loved ones, waiting to hear if your insurance company will cover you or not.
I'd agree with Mike Smith, maybe a years family cover is what you want. It's honestly not a lot of money when you really think about it, even though I appreciate you might grudge spending it when you're hopefully not going to ever need it, but take it from me, it's worth every penny!
My 'Compare the Meerkat' insurance company were legendary, getting me out of a manky, nightmare hospital into a private clinic before chartering an air ambulance home.
Trust me, don't skimp on travel insurance!
Beagy
p.s
Five months down the line and I'm still a bit ouchy, but I was out for my first mountain bike ride in a long time last week and it was awesome! 😉
Make sure you get the snake and spider cover, drop bear cover is pricy but the risk is up to you 😉
All good points.
Regarding the exciting activities, I will hopefully be competing in the adventure racing world championships while I'm out there. For some reason underwriters take a dim view of 6-8 days non-stop expedition racing on bikes, kayaks and foot. To add to the fun there is usually some whitewater and a ropes section involving a big jumar and abseil - all factors that make us rather expensive to insure! Policy wording seems to have been tightened up in the last year or so, and most are now limiting AR cover to 48hour races or shorter.
I think it's time to call some specialist underwriters like BMC and dogtag to see if someone can offer some topup cover while I'm racing, assuming that I'll either take out a family annual policy to cover the everyday travel stuff or get work to cover us under the corporate policy.
Not sure if this is what you're looking for but I used these to tack on some uplift mountain biking in USA for a couple of days as part of a trip covered by work / annual policy.
https://www.sportscoverdirect.com/activity-topup-insurance/
Fortunately I didn't claim. I had a great time though!
Check the policy carefully on the annual deals - they often limit trip length.
Most annual limit to 30 days IME. Just having to find another deal myself for a longer trip - extending the annual cover is ridiculously expensive, cheaper to just buy an additional single-trip policy for the whole thing!