Churchill Travel Insurance - IndigoGuide Compare Travel Cover
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Insurance companies are constantly observing what's going on in their niche markets as part of the fine art of assessing risk. One area the Churchill travel insurance department is apparently watching with interest is skiing holidays. Italy and Austria have recently introduced ski marshals whose powers include the ability to breathalyse skiers they suspect might have been spending a bit too much time on the wrong kind of piste. Research commissioned by Churchill suggests, unsurprisingly perhaps, that a significant proportion of Brits are keen on a tipple during as well as après ski. The company is waiting to see whether the new marshals will lead to reduction in the number of skiing accidents - and ensuing insurance claims - in the area.
Churchill travel insurance options
Churchill doesn't just cater for skiers, though. Quotes and cover will, as is usual, vary depending on when and where you're going and what you're doing there. If you have any special requirements you may well be able to tailor your policy accordingly. The basic Churchill travel insurance cover is fairly comprehensive. For an individual it includes: personal baggage cover of up to £2000 (watch out for the item limit of £250 though); personal money up to £250; valuables £300; cancellation or curtailment of the holiday up to £5000; hijacking cover for the total cost of the tour; personal liability of up to £2,000,000; legal expenses up to £25,000; and medical expenses up to a pretty generous £5,000,000. If you also have home and car insurance with the company they will waive your travel claims excess.
As always when considering taking out insurance, look around carefully and compare quotes to find the policy which suits you best. Some research should help you get good value for your money. For example, if you have contents insurance which covers you while you're away you may be able to waive the personal possessions provision in Churchill's insurance package and get yourself a 20% reduction on the cost of the premium. And make sure you know exactly what the benefits and exclusions are before you buy. The full policy document for Churchill travel insurance and other information about the company's services can be found on the website (www.churchill.com). You can also obtain a quote online.