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Shortfalls in travel insurance exposed

Poll reveals problems in the industry


Nearly three in four holidaymakers taking out insurance are not told if terrorism cover is included in their policy, a report out today reveals.

Research from the British Insurance Brokers Association (BIBA) found that 72 per cent of customers who purchased their insurance from travel agents and tour operators, had not been advised about whether they were covered for damage caused by terrorist action.

The poll also revealed a number of other failings by travel agents and tour operators.

Just under half neglected to advise the customer on policy excess, while 56 per cent failed to tell them how to register a complaint.

Travel insurance

Commenting on the figures, Eric Galbraith, Chief Executive at BIBA, said: ‘It is essential that consumers are fully protected.

‘Travel insurance is vital when we jet off on our holidays and it is the role of the provider to ensure that consumers are both fully covered and understand the limits of their policies.’

The study also found that an overwhelming number of holidaymakers – 97 per cent – backed proposals that would protect them from travel agents who fail to explain the full details of their insurance policies.

The government is currently looking into the sale of travel insurance.

Whereas the stand-alone sale of travel insurance is subject to the same regulatory controls as the sale of other forms of insurance, policies sold as part of a package are currently exempt from these safeguards.

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