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Everyone understands that the Post Office promotes connectivity. You post a letter, a bill, or a birthday card, and the Post Office delivers your package to its destination. However, the Post Office offers so much more than simple postal services. Did you know the Post Office also provides valuable insurance to people just like you? Finding a reputable insurance provider for your needs is not an easy task. In fact, finding a good insurance provider with acceptable rates can be downright difficult and tedious. The Post Office online offers travel insurance, car insurance, home insurance, and van insurance offering features, prices, and benefits customised to the consumer. One available travel insurance package is the Annual Multi-Trip option. If you and your family have plans of taking multiple holidays or trips either abroad or within the UK, this package is designed for you. Choosing the Annual Multi-Trip package offers protection for the whole family, even the kids! There are three options available within the annual insurance package: European coverage, worldwide coverage excluding the USA, Canada, and the Caribbean, or worldwide coverage including the USA, Canada, and the Caribbean. In addition, you can choose to apply the coverage to only yourself, yourself and your partner, or your entire family. By choosing the family coverage, any child under the age of 18 is covered when travelling even if travelling with relatives not a parent. What exactly is covered, and what are the limits? The limits are based on a single trip or vacation, and in the event of the multi-trip package is purchased, the consumer has an unlimited number of trips with a maximum of 31 days per trip. The coverage does not include hazardous activities or winter sports. Whether 18-30 holidays are classified as hazardous activities is unknown… The policy covers a number of areas, and these are summarised below: A. Cancellation and curtailment – What happens if your vacation or trip is cancelled? Instead of loss of the money invested, the Post Office offers a solution. There is a limit of £5,000 per 31-day period with a £50 excess charge. B. Delayed departure – What happens if your transport is delayed unexpectedly? Should your departure by any means be delayed, the Post Office will provide £20 for the first 8 hours and £20 for every 12 hour period after the fact. In the event the delay is more than 12 hours, the abandonment clause kicks into effect. There is a £300 limit for the first 8 hours, and a £5,000 limit for the 12 hour periods. C. Missed departure - Should you miss the departure of the train or airplane, the Post Office will cover up to £1,000 to insure you get back on course as quickly as possible. D. Hijack – No one wants to think a hijacking can happen to them. However, in the event you experience a hijacking the Post Office will cover up to £1,000 of service for your troubles. E. Medical, emergency and associated expenses – The limit for medical, emergency, and associated expenses is £10,000,000, but if you are travelling within the UK, the limit drops to a maximum of £10,000. F. Hospital benefit – In the event a hospital stay is necessary, the Post Office will cover up to £800. G. Personal accident – In the event an individual insured with the Post Office unexpectedly dies, loses a limb or eyesight, or becomes totally disabled while on a trip or vacation, up to £30,000 is available to offset the cost and hopefully ease some of the problems associated with it H. Personal belongings – Everyone knows life happens, and sometimes, when life happens, normal people are left holding the short end of the stick. The Post Office doesn’t believe a policy holder should have to stop a trip or vacation because of a loss of items or delayed baggage. The Post Office will cover a maximum of £1,500 in the event something happens to your personal belongings. I. Personal money – Losing your wallet, or having your wallet stolen can often leave the traveller exhausted mentally and physically. The Post Office offers to replace lost money up to £500 so you can continue your travels. J. Loss of passport – Losing your passport while in a foreign country can be a terrifying experience. The Post Office offers to cover the cost of you and the covered members of your party a replacement with a maximum limit of up to £250. K. Personal liability – In the event something happens and you may be believed to be at fault, the Post Office will provide coverage for up to £2,000,000. L. Legal expenses – Sometimes the unexpected happens, but with the Post Office, if you need to seek professional legal assistance, you are covered for up to £25,000. M. Legal consultation – Maybe all you need is a bit of legal advice. Well, with the Post Office, the covered members of the party are able to get the needed advice up to a £100 limit. N. Mugging – In the event you are the victim of a mugging, the Post Office offers a maximum of £50 in restitution. O. Catastrophe – No matter where the traveller journeys, catastrophe may strike. The Post Office offers up to £500 to assist you in a time of need. The Post Office offers protection for you and those you love at a cost effective price. The coverage will guarantee you and your loved ones have a good journey even within the UK.
Staff editor, Section, March 2007 |
