GOLDEN RULES

South Canterbury Herald - - MOTORING -

Do not buy travel in­sur­ance on price alone Com­pare poli­cies Un­der­stand what is, and what is not, cov­ered.

in­sur­ance.

There was never a ques­tion of go­ing with­out it, as young reck­less Rob did a quar­ter of a cen­tury ago to South Amer­ica.

I con­sider travel in­sur­ance to be an or­di­nary, and nec­es­sary, cost to fac­tor into travel bud­get­ing.

I didn’t choose my pol­icy on price alone. I’m not in­ter­ested in sav­ing $10 or $20, if it means buy­ing a bargain-base­ment pol­icy with lim­ited cover.

When shop­ping for a pol­icy, you’re look­ing to un­der­stand what each pol­icy cov­ers you for, and what it does not.

I tend to fo­cus on cov­er­age for the re­ally big stuff, the med­i­cal and evac­u­a­tion.

It’s hard not to read poli­cies with an eye on the mo­ment.

For ex­am­ple, Bri­tain’s been rocked by a string of ter­ror­ist at­tacks, so I was at­ten­tive to whether claims caused by ter­ror­ism were ex­cluded from poli­cies.

The one I bought ex­cludes

‘‘I'm not in­ter­ested in sav­ing $10 or $20 on a pol­icy if it means buy­ing a bargain-base­ment pol­icy.’’

ter­ror­ism-re­lated claims for per­sonal ex­penses, and travel dis­rup­tion, but not med­i­cal and evac­u­a­tion.

I also had in mind that poor stu­dent sent home in a coma to die af­ter be­ing de­tained by North

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