Even in a society as advanced as the one we live in nowadays,
appropriate insurance sadly continues to be one of the most neglected
aspects of travelling. The "it will never happen to me" mentality,
typical of humankind, is in full effect when it comes to booking a
holiday or business trip, and a worrying amount of people continue to
either overlook, forget or wilfully neglect purchasing a suitable
policy. After all, why spend money on something that is likely to end up
not being necessary?
Yes you DO need it!
The flaws behind this reasoning are easy to decipher, and mostly revolve around the fact that an insurance policy is, first and foremost, a tool for peace of mind. The objective of this type of package is to serve as a fall-back in case something happens. If it ends up not getting used, all the better - it means nothing has happened! The money spent therefore goes towards buying the contractor peace of mind, as well as actually protecting him or her in case anything does occur. That is why these policies should be regarded as an integral part of booking a holiday.
In the case of families, especially those with young children, this issue is even more pertinent. Acquiring a good family holiday insurance policy will ensure that children in a family group are just as protected as the adults in the case of any eventuality, thus allowing parents to rest easy and enjoy their holiday without having to worry about their little ones' safety.
Riding Solo
Even more importantly, individuals who acquire a good family holiday insurance package for themselves, their relatives or their children will also be able to set their minds at ease when any of the members of the family group needs to travel on his or her own.
Many policies of this type declare in their Terms and Conditions that, once purchased, any of the members listed in the initial contract will be eligible to travel on his or her own and benefit from the package's protection for the time period stated in the contract. For instance, an annual family holiday insurance policy will allow any of the members listed when first taking out the service to travel on their own for up to a year. Similarly, a multi-trip policy will allow any of the individuals to go on as many trips as the contract is valid for, and still offer them the same protection they would get when travelling as a group.
It is plain to see why purchasing family holiday insurance is more beneficial for a group than buying individual policies for each of its members: not only will it almost certainly turn out to be less expensive, but it will also serve as a sort of '2-in-1' option for both group and individual holidays and trips.
Yes you DO need it!
The flaws behind this reasoning are easy to decipher, and mostly revolve around the fact that an insurance policy is, first and foremost, a tool for peace of mind. The objective of this type of package is to serve as a fall-back in case something happens. If it ends up not getting used, all the better - it means nothing has happened! The money spent therefore goes towards buying the contractor peace of mind, as well as actually protecting him or her in case anything does occur. That is why these policies should be regarded as an integral part of booking a holiday.
In the case of families, especially those with young children, this issue is even more pertinent. Acquiring a good family holiday insurance policy will ensure that children in a family group are just as protected as the adults in the case of any eventuality, thus allowing parents to rest easy and enjoy their holiday without having to worry about their little ones' safety.
Riding Solo
Even more importantly, individuals who acquire a good family holiday insurance package for themselves, their relatives or their children will also be able to set their minds at ease when any of the members of the family group needs to travel on his or her own.
Many policies of this type declare in their Terms and Conditions that, once purchased, any of the members listed in the initial contract will be eligible to travel on his or her own and benefit from the package's protection for the time period stated in the contract. For instance, an annual family holiday insurance policy will allow any of the members listed when first taking out the service to travel on their own for up to a year. Similarly, a multi-trip policy will allow any of the individuals to go on as many trips as the contract is valid for, and still offer them the same protection they would get when travelling as a group.
It is plain to see why purchasing family holiday insurance is more beneficial for a group than buying individual policies for each of its members: not only will it almost certainly turn out to be less expensive, but it will also serve as a sort of '2-in-1' option for both group and individual holidays and trips.
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