Advantages Great price and great cover from a high street bank
Disadvantages It doesn't rip you off like travel agents do
First of all, it is Ciao who seem to think Halifax Life provide this cover. It is actually underwritten by St AndrewsInsurance Group which is part of the HBOS (Halifax Bank Of Scotland) Group. Apologies for me being too lazy to let Ciao know!But who cares about that?
There are times in life when a rip off leaps out and grabs you! The insurance policies sold by travel agents and tour companies are so obviously poor value for bog standard protection, that shopping around for insurance is best done before booking the holiday!When Thomas Cook quoted me £169.95 to insure my clan on holiday for two weeks in Minorca, I cracked up laughing. Given that we could book a basic self-catering holiday in the UK for a week for this sum, I knew there had to be a better option. Not too much wrong with the cover offered. Just the price!
I surfed in to AOL land and tried their recommended cover from Lloyds TSB. Well, they were willing to provide an annual policy for £138. But I am unlikely to take a second foreign holiday in the next year so this also seemed steep.Then I used my own bank. Halifax. The premium (online) came out at £64. Surely some mistake. I could not bring myself to click as I was sure there was a big catch waiting to grab me at some point. Probably the point when I need a life saving operation in some remote Spanish hospital! £64 for an annual policy v £169 for a 14 day policy. Very odd! Not looking good for Thomas Cook here!
So, when the phone lines opened on Monday morning I made the call, which was answered immediately by a very friendly voice.They took 60 seconds to collect my family details, check for pre-existing medical conditions (I disclosed the mild asthmas that we suffer and was reassured that as these had not involved hospitalisation previously they were not a concern) and had the premium confirmed.
I asked for the catches.The reply came back that there were effectively none.
As I have personal belonging cover on my home contents policy, they had discounted my premium, meaning that I cannot claim on the travel policy if my camcorder is pinched (but my home policy would do the job). I had agreed to a £50 excess, although could pay extra to waive it. I also have 30 days to read the policy. If I find anything unacceptable I could claim a FULL refund and cancel the policy. An option not offered by Thomas Cook.Having spent a thrilling Tuesday evening reading the policy booklet that was provided, I am completely satisfied. The cover provided matched or exceeded that from Thomas Cook. I had saved money by not double insuring my personal belongings. And that sneaky little clause in travel agents policy that insists on a £50 excess per person per claim (effectively £250 for my family) is simply £50 per claim with the Halifax.
So, Halifax gets the sale. I can travel to just about anywhere in Europe for a year with my clan and not have to pay again for insurance. And I have over £100 spare to buy one of those new satellite telly things from the BBC!
|Competitiveness of APR|
|Comprehensiveness of range of products|
|Efficiency of service|
|Value for money|
|Online - Content/organization of site||Excellent|
|Online - Reliability/speed of site||Good|
Attention, this is the first review from this author
Instead of giving a negative rating, consider:
Help this member by giving your advice
Report fraud (for example plagiarism) or other issue with the review to the Ciao support team
Add your comment