<[email protected]> wrote:
> I'll shortly be flying to N. Ireland from England for a weeks'
> holiday with 3 other members of my family. My question is,
> is it really necessary to bother booking Travel Insurance for
> a holiday like this with the UK? The only reason I can think
> of to need it would be cover for cancellation.

I should think not. I would get trip coverage only if you had
pre- paid a substantial amount and had multiple bookins which
would increase the risk of cancellation, interruption, delays or
misconnections due to a tight schedule of if someone in your
party was infirm.

I did a two-week trip from the States to England and Ireland
with non-refundable airline+ferry tickets, and hired a car, w/o
trip insurance, and had no problems. But this year, I'm flying
and ferrying to multiple destinations (Frankfurt, Santorini,
Mykonos, Athens, Frankfurt), and my principal air carrier
(Condor) does not return daily to my home, so I considered
travel insurance much more important due to the additional risk
involved.

On Mon, 13 Aug 2007 13:15:49 -0700, [email protected]
wrote:

>Hi,
>
>I'll shortly be flying to N. Ireland from England for a weeks holiday
>with 3 other members of my family. My question is, is it really
>necessary to bother booking Travel Insurance for a holiday like this
>with the UK? The only reason I can think of to need it would be cover
>for cancellation.
>
>Thanks
>
>Ray B

If you intend renting a vehicle, one point worth checking is
the effect of a travel policy on additional car rental
insurance and excess. I don't know what drivers are like in
the North, but Eire has to be the highest insurance rental
car costs I came across in renting or leasing in six
countries and four continents.


Cheers, Alan, Australia
--
http://loraltravel.blogspot.com/
latest: Slovenia
http://loraltraveloz.blogspot.com/
latest: Mossman Gorge in the Daintree Rainforest

On Aug 13, 10:15 pm, [email protected] wrote:
> Hi,
>
> I'll shortly be flying to N. Ireland from England for a weeks holiday
> with 3 other members of my family. My question is, is it really
> necessary to bother booking Travel Insurance for a holiday like this
> with the UK? The only reason I can think of to need it would be cover
> for cancellation.

LIke most places that you travel, planning ahead for aviding trouble
to take place and have a back-up solution in place, is far more
important than insurance. That does not mean that insurance can not be
a good supliment (but never alternative).

For instance.

-If you are on medications. Bring 2 sets of mecicines for the whole
trip, pack one set with the checked-in luggage and one in your hand-
luggage. Make sure you have the name of the medicine (and the active
substance in it).

-Bring 2 credit-cards and store them on 2 different places (read:
minimum 1 not inside the wallet). Don't have more cash on you than you
can afford to loose. Avoid to take up your wallet in places with a lot
of people, have some money to pay for drinks, newspapers, a meal etc
in a wallet, pack of cigarettes etc. Storing wallet, passport and
credit-card in a purse if of course lunacy... If you know you go
places with an over average probablility of theft and a limited need
of cash, simply don't bring money with you on a football-match in the
UK, to watch the carnival in Rio, on the beach etc.

-Try to avoid bringing things with you that you can not loose. If your
luggage dissappears, you can always go into a magazine and buy new
clothes - at least for a bathing holiday or a city break (ok, that
gets more complicated and expensive for a slalom-holidays etc)

-Inside the EU (and I assume) in the UK, there exists agreements on
most medical emergencies that can turn up. Some people, like
epileptics (and what do you can people taking insulin for their
diagnosis in English?) can get into big financial troubles if
unnecesary is picked up by an ambulance while on holiday. Other
examples exists.

In most situations though, insurance can only give you your money back
(not all the money of course...) , after some time, while if you take
the right precautions you can keep on with your holiday as before with
no or a minimum of loss.

Jan

On Aug 14, 10:25 am, Jan <[email protected]> wrote:


> have some money to pay for drinks, newspapers, a meal etc
> in a POCKET, pack of cigarettes etc.

Small mistake

On Tue, 14 Aug 2007 01:28:00 -0700, Jan <[email protected]> wrote:

>On Aug 14, 10:25 am, Jan <[email protected]> wrote:
>
>
>> have some money to pay for drinks, newspapers, a meal etc
>> in a POCKET, pack of cigarettes etc.
>
>Small mistake

You forgot you had given up smoking?
--

Martin

On Aug 14, 10:30 am, Martin <[email protected]> wrote:
> On Tue, 14 Aug 2007 01:28:00 -0700, Jan <[email protected]> wrote:
> >On Aug 14, 10:25 am, Jan <[email protected]> wrote:
>
> >> have some money to pay for drinks, newspapers, a meal etc
> >> in a POCKET, pack of cigarettes etc.
>
> >Small mistake
>
> You forgot you had given up smoking?
> --
The pack of cigaretts do the trick whether you smoke or not

Jan

<[email protected]> wrote in message
news:[email protected] ups.com...
> Hi,
>
> I'll shortly be flying to N. Ireland from England for a weeks
holiday
> with 3 other members of my family. My question is, is it really
> necessary to bother booking Travel Insurance for a holiday like this
> with the UK? The only reason I can think of to need it would be
cover
> for cancellation.

It's not 'really necessary' (although many people trying to sell
insurance will tell you is!). You may find your house insurance
covers you for things like theft of property (mine does provided it's
from a locked building). Things like the airline losing your luggage
are the liability of the airline, or the ferry company damaging your
car etc.

I never see the need to insure for cancellation - if you cancel you
are not going to be worse off financially than if you actually went on
the holiday! You just lose the holiday. You may as well insure against
having a crap holiday!

I've travelled all over Europe with no travel insurance for the last
few years (although I do have medical cover through my company
policy - you won't need that for NI).

--
Andy

On Tue, 14 Aug 2007 01:35:53 -0700, Jan <[email protected]> wrote:

>On Aug 14, 10:30 am, Martin <[email protected]> wrote:
>> On Tue, 14 Aug 2007 01:28:00 -0700, Jan <[email protected]> wrote:
>> >On Aug 14, 10:25 am, Jan <[email protected]> wrote:
>>
>> >> have some money to pay for drinks, newspapers, a meal etc
>> >> in a POCKET, pack of cigarettes etc.
>>
>> >Small mistake
>>
>> You forgot you had given up smoking?
>> --
>The pack of cigaretts do the trick whether you smoke or not

I find I don't need them.
--

Martin

On Tue, 14 Aug 2007 09:47:22 +0100, "Andy Pandy"
<[email protected]> wrote:

>
><[email protected]> wrote in message
>news:[email protected] oups.com...
>> Hi,
>>
>> I'll shortly be flying to N. Ireland from England for a weeks
>holiday
>> with 3 other members of my family. My question is, is it really
>> necessary to bother booking Travel Insurance for a holiday like this
>> with the UK? The only reason I can think of to need it would be
>cover
>> for cancellation.
>
>It's not 'really necessary' (although many people trying to sell
>insurance will tell you is!). You may find your house insurance
>covers you for things like theft of property (mine does provided it's
>from a locked building). Things like the airline losing your luggage
>are the liability of the airline,

Their liability is severely limited by the Warsaw Treaty.
--

Martin

Andy Pandy <[email protected]> wrote:

> <[email protected]> wrote in message
> news:[email protected] ups.com...
> > Hi,
> >
> > I'll shortly be flying to N. Ireland from England for a weeks
> holiday
> > with 3 other members of my family. My question is, is it really
> > necessary to bother booking Travel Insurance for a holiday like this
> > with the UK? The only reason I can think of to need it would be
> cover
> > for cancellation.
>
> It's not 'really necessary' (although many people trying to sell
> insurance will tell you is!). You may find your house insurance
> covers you for things like theft of property (mine does provided it's
> from a locked building). Things like the airline losing your luggage
> are the liability of the airline, or the ferry company damaging your
> car etc.
>
> I never see the need to insure for cancellation - if you cancel you
> are not going to be worse off financially than if you actually went on
> the holiday! You just lose the holiday. You may as well insure against
> having a crap holiday!
>
> I've travelled all over Europe with no travel insurance for the last
> few years (although I do have medical cover through my company
> policy - you won't need that for NI).

A long while back, some friends of my parents went to NI on holiday, and
the husband died while there. The wife decided to have him cremated
there, as they couldn't afford the cost of transporting the body back to
Scotland. A bit of a miserable story, and the chances of dying on
holiday are extremely low, but that's one area where insurance could be
handy...

--
(*) ... of the royal duchy of city south and deansgate
http://www.davidhorne.net - real address on website
"Abominable, loyal, blind, apparently subservient."
Pres. Carter on Ex-Pres. Blair- May, 2007

"Martin" <[email protected]> wrote in message
news:[email protected]...
>>
> >> I'll shortly be flying to N. Ireland from England for a weeks
> >holiday
> >> with 3 other members of my family. My question is, is it really
> >> necessary to bother booking Travel Insurance for a holiday like
this
> >> with the UK? The only reason I can think of to need it would be
> >cover
> >> for cancellation.
> >
> >It's not 'really necessary' (although many people trying to sell
> >insurance will tell you is!). You may find your house insurance
> >covers you for things like theft of property (mine does provided
it's
> >from a locked building). Things like the airline losing your
luggage
> >are the liability of the airline,
>
> Their liability is severely limited by the Warsaw Treaty.

To how much? It's a reasonable amount IIRC.

--
Andy

On Tue, 14 Aug 2007 09:56:29 +0100, [email protected] (David Horne, _the_
chancellor (*)) wrote:

>Andy Pandy <[email protected]> wrote:
>
>> <[email protected]> wrote in message
>> news:[email protected] ups.com...
>> > Hi,
>> >
>> > I'll shortly be flying to N. Ireland from England for a weeks
>> holiday
>> > with 3 other members of my family. My question is, is it really
>> > necessary to bother booking Travel Insurance for a holiday like this
>> > with the UK? The only reason I can think of to need it would be
>> cover
>> > for cancellation.
>>
>> It's not 'really necessary' (although many people trying to sell
>> insurance will tell you is!). You may find your house insurance
>> covers you for things like theft of property (mine does provided it's
>> from a locked building). Things like the airline losing your luggage
>> are the liability of the airline, or the ferry company damaging your
>> car etc.
>>
>> I never see the need to insure for cancellation - if you cancel you
>> are not going to be worse off financially than if you actually went on
>> the holiday! You just lose the holiday. You may as well insure against
>> having a crap holiday!
>>
>> I've travelled all over Europe with no travel insurance for the last
>> few years (although I do have medical cover through my company
>> policy - you won't need that for NI).
>
>A long while back, some friends of my parents went to NI on holiday, and
>the husband died while there. The wife decided to have him cremated
>there, as they couldn't afford the cost of transporting the body back to
>Scotland. A bit of a miserable story, and the chances of dying on
>holiday are extremely low, but that's one area where insurance could be
>handy...


... I thought this was leading up to the lost dead granny on the roof rack
story.
--

Martin

On Tue, 14 Aug 2007 09:57:04 +0100, "Andy Pandy"
<[email protected]> wrote:

>
>"Martin" <[email protected]> wrote in message
>news:[email protected].. .
> >>
>> >> I'll shortly be flying to N. Ireland from England for a weeks
>> >holiday
>> >> with 3 other members of my family. My question is, is it really
>> >> necessary to bother booking Travel Insurance for a holiday like
>this
>> >> with the UK? The only reason I can think of to need it would be
>> >cover
>> >> for cancellation.
>> >
>> >It's not 'really necessary' (although many people trying to sell
>> >insurance will tell you is!). You may find your house insurance
>> >covers you for things like theft of property (mine does provided
>it's
>> >from a locked building). Things like the airline losing your
>luggage
>> >are the liability of the airline,
>>
>> Their liability is severely limited by the Warsaw Treaty.
>
>To how much? It's a reasonable amount IIRC.

It is a totally unreasonably small amount. Read the last IATA airline ticket you
had.
--

Martin

On Aug 14, 11:02 am, Martin <[email protected]> wrote:
> On Tue, 14 Aug 2007 09:57:04 +0100, "Andy Pandy"

> It is a totally unreasonably small amount. Read the last IATA airline ticket you
> had.

49 out of 50 times your checked-in luggage will be dalayed (for a
short or long period of time) not lost, so it is few instances when
this insurance for loss will be relevant.

2nd you should try to avoid packing things that you can not afford to
loose, meaning putting its value as close to the cost of the insurance
plus the cost of exersicing it as possible. If you simply have to
bring your diamond-jewelry, it could be a good ide to put it in your
hand-luggage so you avoid problems. If you check-it in, I am not
convinced that the insurance-company will cover the loss as the
checked-in laggage is not locked (it is forbidden to lock it when
flying).

Conclusion: As before - you allways need to plan ahead to avoid
problems. Then there are some speical instances when a travel
insurance come handy. Last, it does not cost that much anyway. If you
buy one you can choose is you wnat to use it

Jan

On Tue, 14 Aug 2007 02:12:07 -0700, Jan <[email protected]> wrote:

>On Aug 14, 11:02 am, Martin <[email protected]> wrote:
>> On Tue, 14 Aug 2007 09:57:04 +0100, "Andy Pandy"
>
>> It is a totally unreasonably small amount. Read the last IATA airline ticket you
>> had.
>
>49 out of 50 times your checked-in luggage will be dalayed (for a
>short or long period of time) not lost, so it is few instances when
>this insurance for loss will be relevant.
>
>2nd you should try to avoid packing things that you can not afford to
>loose, meaning putting its value as close to the cost of the insurance
>plus the cost of exersicing it as possible. If you simply have to
>bring your diamond-jewelry, it could be a good ide to put it in your
>hand-luggage so you avoid problems. If you check-it in, I am not
>convinced that the insurance-company will cover the loss as the
>checked-in laggage is not locked (it is forbidden to lock it when
>flying).
>
>Conclusion: As before - you allways need to plan ahead to avoid
>problems. Then there are some speical instances when a travel
>insurance come handy. Last, it does not cost that much anyway. If you
>buy one you can choose is you wnat to use it

I have travelled by air frequently for more than 40 years. I always check in my
luggage. Despite most of my flights being via the most frequent winner of most
lost luggage in the world airline and airport, I have never lost anything
permanently, nor have I ever bought holiday or travel insurance.
--

Martin