Travel Insurance Will Not Cover Holidaymakers With An Expired Passport

Fine Gael has called for emergency travel certificates to be produced under the provisions of the Passport Act 2008, for travellers whose passports have expired and are awaiting new ones to be sent to them, due to a current backlog.

However, the Department of Foreign Affairs has dismissed calls for emergency travel certificates to be issued, saying there are no plans to introduce emergency passport extensions.

The department said the proposals held little scope and could not be extended. A spokesperson said, An Emergency Travel Certificate only allows for a single, one-way trip. Furthermore, they are not accepted in the USA. Under international agreements, the maximum validity of any passports is 10 years, and therefore cannot be extended.

Irish citizens can travel to the UK using a valid form of photo ID instead of a passport; but different travel companies operate using different requirements.

Aer Lingus will allow passengers to travel to the UK with some form of official photo ID, such as a drivers licence; a government issued ID card, a health insurance or social security card as long as they display a photo. People aged 16 years old or under do not require a photo ID if they are travelling to the UK with their parent/guardian under Aer Lingus rules.

Yet Ryanair insist that all passengers travelling to the UK must have a valid passport and have said there is no question of them changing their position on the matter.

A Ryanair spokesperson said, As an airline flying to more than 26 countries and carrying over 70 nationalities daily, there is no question of our agreed passport requirement to be altered or waived. Its the Governments job to issue passports, and not Ryanairs job to cover for Government incompetence.

Ireland decided to opt out of the Schengen Agreement and maintaining border controls with other EU countries, meaning Irish citizens travelling to countries in Europe except the UK, will be required to hold a valid passport.

Travellers will be left further disappointed by the news that they will be unlikely to claim back travel insurance through travel insurance claims, which usually only cover compensation due to injury, illness or death.

A spokesperson for the Irish Insurance Federation said, The cancellation of your holiday due to failure to obtain a passport is generally not covered under travel insurance policies.

Independent Car Insurance Estimator

Car insurance estimator is a free tool for you to calculate the average amount of insurance cost based on your personal data. Most major insurance companies provide such tools in their official websites, but you can also use the same tool from independent websites or insurance reviewers.

You may think that estimators from independent reviewers are better because there will be no bias or any attempt to persuade you to purchase. It is probably right, but there are still some things you should know about the tool as listed below.

Independent car insurance estimator usually works on certain networks with a number of insurance companies. Each of those companies may provide the latest data about pricing and available discounts (with requirements for eligibilities). Every calculation is performed based on that data to minimize inaccuracy. However, insurers often change the base rate or discounts, and the calculator possibly does not have the most up-to-date information about those.

Good estimators can come up with multiple results from one calculation only. This means you can immediately compare the premium rates of insurance companies included in the network. It is necessary for you to make sure that at least two or three insurers within the network run their businesses in your state.

Every state has its own rules regulating auto insurance. Some companies have hundreds of branch offices spread across the nation in different states, and each branch office makes sure that the provided coverage complies with states law of insurance. An online car insurance estimator can provide multiple results for comparison purposes, but it can be useless if the network does not include any insurance company available in your state.

Please put in mind that car insurance estimator does not underwrite your policies. To some extent, such tool does not need to make sure that the calculation results are very accurate. Based on that, you will still need to contact insurance companies to make a purchase, or visit their official websites to get the actual quotes.

Online auto insurance calculator does ask you many questions about your address, types of car you drive, number of people to include in the policy, profession, marital status, age, and more. All those questions are merely basic requirements to determine your rate. When the time comes to make an actual auto insurance purchase, a company may send a representative to walk you through the process.

Before everything is finalized, there are probably further questions asked, such as credit card score.

Travel Insurance Tips For Dummies

Travelling abroad neednt fill you with worry, but its important to be covered just in case the worst does come along. Flight cancellation and loss of baggage or passport are some of the more trivial things that could happen while your away, but you could also find yourself in a very sticky financial situation should you or one of your group become ill or suffer an accident. Outside the EU, medical expenses wont be covered, while even inside the EU you may need to pay for transport home or private treatment. Taking out the correct travel insurance policy can cover you against all of these misdemeanours, and give you peace of mind while youre away. If youre looking for the best travel insurance deal for this summer, then take a read of this article for some tips for finding the best policy.

Check What You Already Have
If youre a premium customer with a bank or credit card company, then chances are that youll already have travel insurance included. This is particularly likely if youre paying a monthly fee for your banking. Make sure you check this out with your bank and read the small print of the deal  it might not be valid outside of the EU or if you have special circumstances, but a phone call should clear this up. If you dont have a policy already, then it really pays to shop around. Its easier to do now thanks to the web  all you really need to do is key travel insurance into a search engine, flick a few of the results and enter your requirements. Price comparison websites are particularly useful, so if you filter through a couple of these then youll be on the right track.

Special Clauses
Anyone with special conditions can get quoted ludicrously high amounts from most traditional insurers. People with histories of serious illness or disability, and those who are pregnant or over sixty-five can all find themselves struggling to justify the cover price. Make sure you have an EHIC card (when travelling within Europe) and check out specialist insurers that may be able to give you a better deal. If you find the cover to still be unaffordable, then the price may drop if you ask the insurer to exclude pre-existing conditions; though its then your call on the risks of going abroad with limited cover. Also, the EHIC card wont cover you for everything. In fact, it will only give you as much medical cover as a local citizen in your destination country  it wont cover you for luggage loss or plane ticket cancellation.

Dont Over Cover
When searching for a policy, its important to understand what kind of cover you need. If you just take the first policy you find, youre likely to either be substantially over insuring yourself, or perhaps even under insuring. Be particularly wary of premium insurance deals offering extremely high amounts of cover when you dont really need it. For instance, do you really need 50 million worth of medical insurance cover? The answer is almost certainly not. In fact, its probably best to go for something more towards the 2 million mark for maximum medical expenses cover, while you should go towards 1 million for personal liability. Flight cancellation is also worth considering too  no one wants to be in the nightmare scenario of not being able to go on holiday for whatever reason, but then having to stump up for it anyway.

Advantages And Disadvantages Of Income Protection Insurance

Income protection is a type of insurance that is often misunderstood in the UK. As with other types of insurance there are many advantages and disadvantages to having a policy, and here we list a few of them.

First, lets explain a little about income protection. This type of insurance will replace part of your income tax free if you cannot work because of accident, sickness or unemployment. There are many different types of policy, most of which can be adjusted according to your individual circumstances.

Advantages

Income protection can cover up to 70% of your mortgage. This could work out to be significantly more than the government would pay you in benefits.
Some long term policies offer cover until retirement age. This means that if you suffer a long term illness, you will receive your benefits either until you can return to work or until the age of 64.
The money can be used however you please. Most people choose to cover their mortgage, bills and other financial commitments, but it could be used for general lifestyle costs.
The policy can be tied into a particular debt, like a mortgage or credit card repayments.
You can choose cover for accident and sickness only, accident, sickness and unemployment, or unemployment cover only.
Unemployment cover could offer back to work schemes and training to help you find a new job.
Income protection can be designed to kick in only after your sick pay stops, so your premiums are lower.

Disadvantages

Unemployment cover will only pay out for a maximum of 12 months, even if you havent found a new job within this time.
Accident, sickness and unemployment policies usually only offer 12 months of benefits as well. Long term-policies offer better cover, but are sometimes more expensive.
Pre-existing conditions may not be covered on your policy, so it is important to take one out before you need it.
Similarly, you will not be covered for redundancy if you already knew there was a chance it was going to happen. This protects the insurance companies against people taking advantages of the policy.
Smokers will usually pay higher premiums for accident and sickness cover because they are more likely to fall ill.
It is important never to buy a policy without researching the market first to get the best deal; otherwise you could be paying more than you need to.
Now you know the advantages and disadvantages, it is up to you to decide whether income protection is right for you!

Automatic Direct Auto Insurance Quote

Acquiring insurance coverage may not be as easy as you expect, especially if this is your first time. Young drivers, who were previously included in their parents policies, need to have their own auto insurance coverage sooner or later. There are some basic requirements such as credit card and saving accounts; many insurers also require applicants to actually have a home. Even when the basic requirements are already fulfilled, young drivers often have to pay quite high premium due to various reasons, for example no home ownership or simply lack of driving experience. Direct General Auto Insurance (or simply referred to as Direct Auto Insurance) has its own method to make the entire processes very easy. To get Direct Auto Insurance quote, applicants do not even need to actually have credit card or saving accounts, meaning young drivers can apply with good chance of approval.

Driving experience is an also an important factor to determine insurance rate. Without enough experience, insurance companies will treat young drivers as “high-risk”, meaning they should purchase non-standard coverage which is always more expensive than its regular counterpart. When acquiring Direct Auto Insurance quote, please remember that you can use the discount as long as you are eligible for it. For young drivers (especially those without occupation or home ownership yet), the “good student” discount is an excellent option to reduce premium by up to 10%.

You can ask for Direct Auto Insurance quote online or at the companys branch offices spread across 13 states. There are more than 400 branch offices, and you can even acquire quote by phone. Even without credit card or checking account, you can pay the premium bill quite easily, too. In fact, auto direct insurance allows you to choose any specific date in a month to pay the bill, plan your own schedule, installment plans, and even payment methods in including online, offline, and even via phone too.

Young drivers can acquire the quote online and have it delivered to home addresses. In case you are not sure about what type of coverage to purchase, Direct Car Insurance provides you with Virtual Insurance Agents including Coverage Assistant and Life Coach; both are designed to help you to understand what coverage to purchase and make sure that your choices comply with states regulation. Those virtual agents will ask some simple “YES or NO” questions and give suggestions based on your answers. Recommendations are given instantly and automatically when you are asking for quotes. However, it is possible to change the companys recommended coverage plan and simply purchase those that you need the most.