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During 2009, a significant financial survey brought some rather worrying figures to light...

Even though only 14% of holidaymakers will need to claim on their holiday insurance, around three-quarters of us tend not to bother to take any out whatsoever!

This particular is a little strange... There are many cheap travel cover packages to be found online. Perhaps it must just be pay to laziness?

But obtaining insurance to shield you when you are travelling overseas is crucial!!! It is as critical as remembering to take your passport!

Here are some what to know about if you are organising your cover...

• Higher Prices for that Over 65's

A traveller over 65 years is thought to get three times more probable of earning an insurance claim on their policy... which claims are typically 3 x how big is one that is made by someone younger. These figures come from The Association of British Insurers and many types of insurance providers will require them into consideration...

In order to realize why insurance could be more costly for that older traveller. However, some insurers it is far less than others... So it is still worth shopping around for affordable holiday insurance, even when you can be a senior citizen!

• The Merits of Price Comparison Sites

Don't be misled into believing that travel specialists provides the best holiday cover! This isn't the truth in any respect.

Getting your policy concurrently while you book your holiday can result in you paying around 90% higher than a cheap travel cover company!

It is usually worth searching for your holiday cover on price comparison websites! This may normally result in you paying much less on your [http://www.duinsure.com.au/sites/duinsureaus.nsf/PagesBySection/Misc_Backpackers-Travel-Insurance click here]. Of course, if you adopt out an insurance plan from a company you might be already using for another thing, then you certainly figure to make a level bigger saving!

• The 'Multiple Policy Excess' Danger

You should always make sure of checking the terms and conditions inside a travel cover policy. One of the greatest why you should try this is simply because some insurers will turn one claim into two separate ones...

What happens if you fell down your flight of steps and broke your cell phone. Would your insurer understand this as you claim or two??? It's your job to find out because it will save you a great deal of money!