i have travel insurance near a company but don't think i'm covered as its couple insurance and i live at a different address to my partner, so i took out another policy for us - as long as we solitary claim on the new policy if we call for to - is is ok to have 2 travel insurance policies?
Answers: It should say-so in the policy, but you should be fine. No such article as having too much coverage. Some policies may vote something about self primary or tertiary to other coverages you just enjoy to read the policy rider.
I use travelex, here is a link for a free quote.
http://www.travelex-insurance.com/index.
If you have gone to a broker then they would hold advised you of the best option. I am assuming that you have not as you may enjoy purchased a policy that does not meet your 'demands and needs'. Insurance should be gone to the professionals. If, of course, you be not told about the requirement that a couple is two those living at the same address after you may have grounds for a complaint. Obviously if the information be there and you did not bother reading it next that is your own breakdown.
There is nothing off the record in have two travel insurance policies. If you CAN make a claim on both later each will customarily pay a proportionate amount of the claim (and as you would expect you will be deducted two excesses). I assume you hold gone past the extent during which you can obtain a discount on the first policy - if not you can claim the money put money on.
Generally speaking, to qualify as a "couple", you should be residing at the same address. The likelihood are you obtained a cheaper rate by select a 'couple' insurance policy, whereas, strictly speaking, you should be obtaining quotes underneath the 'group of people' category.
Consequently, if you have obtain cheaper terms by making an not exact declaration, your insurers hold the right to decline any claim.
I suggest you contact them, be upfront, explain the situation and ask them to adjust the policy to give proper cover. There's no point paying out for two or more policies when only being honest negate the need for any duplication.
In the USA, travel insurance policies own a standard policy provision that limits you to one policy for alike company for the same trip. So if you bought the second policy from indistinguishable company one of them, at your choice, would be void but if you bought it from a different company than both policies would be valid. In UK, the Insurance Industry have set up a common database .. they copy all your insurance details and adjectives claims .. (the stated aim is to reduce fraudulent claims .. they are trying to block the crooks who claim on multiple policies for the same loss or who put within serial fraudulent claims, one at a time, each to a different insurance company)
So when you claim, the company you claim from will scrabble the database to see if you have any other relevant Insurance .. and if you do, the b*stards will write final denying liability and suggesting you to claim off the OTHER Insurance ..
Needless to influence, when you contact the other lot, they will do exactly the same ...
Eventually, after much deferment and threats to take them to court, the two companies may agree to come together some portion (eg half) of you claim each ...
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Answers: It should say-so in the policy, but you should be fine. No such article as having too much coverage. Some policies may vote something about self primary or tertiary to other coverages you just enjoy to read the policy rider.
I use travelex, here is a link for a free quote.
http://www.travelex-insurance.com/index.
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If you have gone to a broker then they would hold advised you of the best option. I am assuming that you have not as you may enjoy purchased a policy that does not meet your 'demands and needs'. Insurance should be gone to the professionals. If, of course, you be not told about the requirement that a couple is two those living at the same address after you may have grounds for a complaint. Obviously if the information be there and you did not bother reading it next that is your own breakdown.
There is nothing off the record in have two travel insurance policies. If you CAN make a claim on both later each will customarily pay a proportionate amount of the claim (and as you would expect you will be deducted two excesses). I assume you hold gone past the extent during which you can obtain a discount on the first policy - if not you can claim the money put money on.
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Generally speaking, to qualify as a "couple", you should be residing at the same address. The likelihood are you obtained a cheaper rate by select a 'couple' insurance policy, whereas, strictly speaking, you should be obtaining quotes underneath the 'group of people' category.
Consequently, if you have obtain cheaper terms by making an not exact declaration, your insurers hold the right to decline any claim.
I suggest you contact them, be upfront, explain the situation and ask them to adjust the policy to give proper cover. There's no point paying out for two or more policies when only being honest negate the need for any duplication.
Producing Group Health/Life Insurance - How do I aquire other's book of business?
In the USA, travel insurance policies own a standard policy provision that limits you to one policy for alike company for the same trip. So if you bought the second policy from indistinguishable company one of them, at your choice, would be void but if you bought it from a different company than both policies would be valid. In UK, the Insurance Industry have set up a common database .. they copy all your insurance details and adjectives claims .. (the stated aim is to reduce fraudulent claims .. they are trying to block the crooks who claim on multiple policies for the same loss or who put within serial fraudulent claims, one at a time, each to a different insurance company)
So when you claim, the company you claim from will scrabble the database to see if you have any other relevant Insurance .. and if you do, the b*stards will write final denying liability and suggesting you to claim off the OTHER Insurance ..
Needless to influence, when you contact the other lot, they will do exactly the same ...
Eventually, after much deferment and threats to take them to court, the two companies may agree to come together some portion (eg half) of you claim each ...
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