I think the fellow had, quite innocently, muddled several things up and / or got confused, not seeing the wood for the trees. Hopefully, he and his pillion are now on the right track.
If anyone ever thinks it can’t happen to them….
- Thread starter Wapping
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I think the fellow had, quite innocently, muddled several things up and / or got confused, not seeing the wood for the trees. Hopefully, he and his pillion are now on the right track.
although a single policy can cover multiple people, especially where a family is concerned ... but they need to be named on the policy
Ineed. I wanted to keep it simple for the fellow, as he was confused enough already. Not least, we had no idea how old his pillion daughter is (most family policies have an age restriction for children) and / or as to whether they even live in the same house, which is sometimes a requirement. In the case of separated or divorced parents, this cohabitation condition can often be overridden (deleted, in other words) by mutual agreement with the insurer, made in advance.
For family or joint policies, it’s important to remember that, whilst - subject to the policy’s terms and conditions - the limits do often stack, for example: The death benefit pays separately and in full for each individual, so do any excesses or deductibles. In other words, lose a single suitcase with a husband and wife’s clothes in it, two separate limits apply (which is good) but two separate deductibles / excesses apply too (less good).
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Hi,
Just come across this thread.
I had to cancel a bike trip last year as my bike broke down (minor electrical fault, sorted under warranty).
Not a problem, thinks I, as my travel insurance (AXA, bundled with my bank account) will cover it.
‘Not so’ they reply, as mechanical breakdown is not one of the reasons for cancellation they cover. Fortunately I was able to withstand the loss (just).
Fast forward to this year and a much more expensive trip was planned. To avoid the previous issue I did a great deal of shopping around and found that Admiral Travel Insurance was one of very few that covered mechanical breakdown of the vehicle I was travelling on.
I had to pay extra for motorcycle over 125cc (a hazardous activity according to their wording), and I have a few medical conditions.
Worked out at about £120 for two weeks in Spain, Platinum cover, but my conditions ramped that up considerably.
As an aside, we came across a group of riders, one of whom had come off and holed his engine case catastrophically. It seems that his travel insurance covered him as a person in Europe, his breakdown insurance covered him in Europe, but this was accidental damage which would have to be claimed from his bike insurance policy.
He hadn’t extended that to Europe, so wasn’t covered, and had to make his own arrangements. I imagine at considerable cost.
A cautionary tale to check, check, and check again.
Sent from my iPhone using Tapatalk
Just come across this thread.
I had to cancel a bike trip last year as my bike broke down (minor electrical fault, sorted under warranty).
Not a problem, thinks I, as my travel insurance (AXA, bundled with my bank account) will cover it.
‘Not so’ they reply, as mechanical breakdown is not one of the reasons for cancellation they cover. Fortunately I was able to withstand the loss (just).
Fast forward to this year and a much more expensive trip was planned. To avoid the previous issue I did a great deal of shopping around and found that Admiral Travel Insurance was one of very few that covered mechanical breakdown of the vehicle I was travelling on.
I had to pay extra for motorcycle over 125cc (a hazardous activity according to their wording), and I have a few medical conditions.
Worked out at about £120 for two weeks in Spain, Platinum cover, but my conditions ramped that up considerably.
As an aside, we came across a group of riders, one of whom had come off and holed his engine case catastrophically. It seems that his travel insurance covered him as a person in Europe, his breakdown insurance covered him in Europe, but this was accidental damage which would have to be claimed from his bike insurance policy.
He hadn’t extended that to Europe, so wasn’t covered, and had to make his own arrangements. I imagine at considerable cost.
A cautionary tale to check, check, and check again.
Sent from my iPhone using Tapatalk
