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Advice on gap year travel insurance

Advice on gap year travel insurance

According to one industry expert, finding the right gap year travel insurance policy can be a “minefield” with over a 1,000 different variations on insurance cover available for such trips. Given this, the advice being issued is to check out your policy thoroughly before embarking on your trip, so you understand exactly what is covered, and crucially what isn’t covered, before you leave home soil. The independent insurance research company, Defaqto, found that 81% of gap year travel insurance policies offered on average £1,000 worth of cover for belongings. However only 11% offered single item cover of £350 or more, so if you’re planning to take your expensive camera on holiday, or laptop, you’d be well advised to check your policy covers your most expensive item. Travel insurance experts all agree that getting adequate gap year travel insurance lies in the finer details, so make sure you read all of the small print before signing up. If something doesn’t make sense, always ring your insurer to seek clarification, and never assume anything. Another top tip for perfect gap year travel insurance is to clarify what exactly your policy covers, and what it doesn’t. If there are certain activities which are not covered for example, it’s best to be aware of this before leaving for your gap year adventure.

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