Travel insurance-does anyone bother?

[valentinoxxx 4]

I can't comment on other countries but the "free" insurance offered by many UK based credit cards is actually not travel insurance at all, but merely covers some of the less likely events which might occur.

 

In addition, some cards which may offer comprehensive insurance, may only do so if the purchase of flight / holiday etc. was made with the said credit card. As more and more agencies are charging fees for using credit cards, guys should remember that not using the right card might invalidate the insurance policy.

 

The UK CCs that you speak of offer supplementary insurance.

One card,MBNA Gold/Platinum, offers Travel Delay and Lost/Delayed Luggage Insurance which is quite good.  There is also Accidental Death coverage of £250,000.

All parts of ticket have to be paid using the card.

 

Comprehensive Travel Insurance, as pointed out earlier, can be offered by certain bank accounts on which a monthly fee is to be paid.