There is nothing quite like it. You are all packed, and the car is full of fuel. You have checked the tyre pressure and even had your pride and joy serviced. You start your engine and are about to take the long trip to the Highlands that you have been looking forward to for so long. Wait, have you got the right insurance in place?
Check your vehicle insurance
Maybe you have been lucky enough to buy or borrow a camper. If so, it’s important to check that you have adequate levels of cover. For example, if you are taking the family car on a long road trip, will you still be within your estimated annual mileage? If you are sharing the driving, remember to check that you have the correct level of cover. You might need to add a named driver to your policy, or if they are insured to drive any car, is that at the same level as your fully comprehensive policy?
Personal accident insurance
Whether you are travelling with friends or family, it’s always a good idea to add personal accident insurance to your motoring policy. You could also take out personal accident cover on a separate policy. This means you will be compensated if you suffer an injury that prevents you from working. It’s easy to fall and have an accident, and if you need to provide for loved ones and can’t work, then you know that they will be taken care of.
Breakdown cover
If your car ever decides to break down, you know it will happen while you’re on holiday. And even if something minor happens, like a flat battery or tyre, you don’t want to waste valuable holiday time sorting it yourself when breakdown cover can take care of it all for you. Apart from that, if something more serious happens and you are left stranded miles from anywhere, then breakdown cover is a no-brainer, especially if you have a young family.
Travel insurance
Even if you are taking a staycation this year, you may still need ferry tickets. For example, you may decide to visit one of the many beautiful Scottish islands. Whether you are camping, staying in a hotel, or hiring a cottage, the cost of booking these can be expensive. If you have to return home due to a bereavement or a family member falling ill, then the costs of your accommodation will be compensated. This means that you could rebook your holiday when you have done what you needed to do and enjoy a more stress-free lifestyle without sacrificing your hard-earned holiday.
A quick phone call could save you thousands
It’s easy to become complacent while taking a road trip at home. You may not think you need travel insurance or breakdown cover. Sometimes past experience tells us that it will not happen to you. Perhaps you have had some holidays you would rather forget. Talking to your broker and getting the right insurance for a relatively low cost compared with the thousands it could potentially cost you is always a good idea.
Get a quote for all your insurance needs today.