I’ve had annual multitrip cover for as long as I can remember. Had arguments with friends who advise to get the cheapest. “They’re all the same”. No they’re not! Two friends of mine got stranded in China with the Icelandic ash cloud event. Stuck there for 10 days. The insurer for one of them paid out for those 10 days in a 4* hotel. The other didn’t.
Always read the small print....excess, contents, single article limit etc etc. I have an LV Premier policy, costs me almost £100pa. Big deal. I just sigh when I see folks having to crowd fund to get home from overseas after falling off their rented scooter and having no insurance. Dimwits, which is about the kindest thing I can call them.
In October 2015 I took a 16 day rafting trip down the Grand Canyon. Amazing trip about which I could wax lyrical, but I contacted my insurer beforehand and found out I wasn’t covered....the policy only covered white water rapids up to grade 4 (of 10) so I took the advice of the rafting company (OARS) and bought a specialist policy costing £360.
Due diligence showed me the cost of being airlifted by chopper, with medics, from the bottom of the ‘big ditch’ in a worst case scenario. I would have had to sell my house to pay it, so I bit the bullet and paid the premium.
And yes it was an expensive trip, but sleeping out under the stars at night, being scared Sh****ss the first few times passing through roaring rapids was worth every penny. Do it if you ever get the opportunity. There’s no age limit!!
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