Holiday horrors and how to avoid them – Regency Insurance

http://www.telegraph.co.uk/travel/travel-truths/What-happens-to-lost-luggage/
http://www.telegraph.co.uk/travel/travel-truths/What-happens-to-lost-luggage/

 

Life is like a predator, don’t let it catch up with you when you’re vulnerable. Holidays are our one chance a year to get away and enjoy the fruits of our labour, but even this comes with risks. Every day we hear horror stories in the news regarding travel nightmares which we always assume will “never happen to us”. Don’t be one of those people. According to the Money Advice Service, the average spend on a holiday is £1,027.00 per person, which is even more reason to protect yourself and your family. Still not convinced? The average cost for medical treatment abroad is £2,040.00 according to the Association of British Insurers, and all emergency expenses including flights, have amounted to an excess of £49,000.

How about losing a bag? It is estimated that there were 24.1 million mishandled bags in 2014, which was an amazing 7 out of every 1000 people. Still think it’s worth the risk? Regency Insurance is here for you.

http://wsimag.com/travel/569-lost-luggage-what-to-do-and-how-to-avoid-it

In contrast to other industries, Insurance is one which has change very little and Regency Insurance offers a personalized service best suited to you that price comparison websites simply don’t offer. Experienced and professional brokers are at hand, which will research and identify the best Insurance policies for you.

According to the Association of British Insurers, Britons on average spend double the average price for an insurance policy on magazines and sweets at the airport. I don’t know about you, but I would rather rest easy knowing I’m covered for all eventualities, than catching up on Woman’s Weekly and munching on my meal deal.

What we cover:

  • Emergency medical expenses
  • Personal liability, in the case you’re sued for damage to property or injury
  • Lost or stolen bags and items
  • Cost of delaying or cutting short your trip
http://www.telegraph.co.uk/travel/advice/Travel-insurance-do-I-really-need-it/
http://www.telegraph.co.uk/travel/advice/Travel-insurance-do-I-really-need-it/

 

Holiday Insurance Horror Stories:

  • One traveller had to pay £20,000 to cover the cost of treatment for a heart infection and bleeding on the brain. Costs included treatment at two hospitals and an air ambulance back to the UK from Spain.
  • £11,000 to treat a holidaymaker who suffered a broken arm after a fall in Spain.
  • Medical bills in the USA average £4,726 – the world’s most expensive destination for emergency medical care.
  • £54,000 to treat a holidaymaker who was diagnosed with bipolar disorder while holidaying in the USA and then needed to be flown back to the UK with a doctor escort

I hope this hasn’t put you off holidaying as the world has some beautiful things to offer. Here at Regency Insurance we can offer 25 years’ experience and we genuinely care about your well-being. We are dedicated to ensuring you and your family are covered and can guarantee a stress free trip when you insure with us.

http://regency4insurance.co.uk/

https://twitter.com/RegencyInsure

https://www.facebook.com/RegencyServices

Contacts:

Address: Regency Insurance Services 317 Stanstead Rd Forest Hill London SE23 1JB
Phone: 0208 690 8667
Fax: 0208 690 3452
Email: info@regency4insurance.co.uk

http://regency4insurance.co.uk/

https://twitter.com/RegencyInsure

https://www.facebook.com/RegencyServices

Cycle safe – with the peace of mind of the right insurance for you

This year we really have become a nation of cyclists with 4.64 million of us hopping onto our bikes at least 3 times a week, according to the Cyclists Touring Club charity.

The meteoric rise of cycle chic is at least partly the result of champions such as Bradley Wiggins, Mark Cavendish and Lizzie Armitstead and the rest of the amazing British Olympic team on two wheels, who have inspired participation in competitive and leisure cycling.

BorisBikesThen there’s the ever popular London cycle hire scheme, Barclays Bikes (or Boris Bikes), which has been going for five years and now sport a bright red new paint job as Santander Cycles. That initiative alone encouraged a whopping half a million of us to make 7.4 million trips around London, between April 2011 and March 2012.

With the power of social media cycling events such as the World Naked Bike ride have gained plenty of “exposure” and further contributed to the growth of cycling as a hobby.

As a result of all of this media coverage we bought over 3.34 million bikes in the year following the London Olympics, that’s over 1 million more than the number of cars sold in the same period (Cycleplan, 2015).

As well as being the coolest new pastime, there are plenty of other reasons to get on yer bike! Cycling is:

  • Often cheaper than using public transportawesome
  • Always quicker than walking
  • Fun when you go on bike rides with friends
  • Supported by attractive offers through the government Cycle to work scheme
  • Of benefit to society by improving air quality and reducing noise

Using cycling as a safe way of getting around can be a challenge, it’s both painful and expensive when things go wrong. But it isn’t just extreme versions of the sport that can end in tears, insurance company Aviva has taken the time to identify the top 10 accident hotspots in London so you can avoid them or take extra care.

HandsOffSerious injuries have increased amongst cyclists by 8.2% last year and more than half a million bikes are stolen every year in the UK . As a result sales of dedicated bike insurance have risen 75% in the last 6 years.

But all is not lost, there is a really simple way to make cycling as safe as possible for you – insurance companies are creating tailored solutions that meet the needs of the growing number of bike enthusiasts.

“I got a call recently from a customer looking to claim who didn’t realise their 2 bikes worth £2500 each would not be covered on their home contents insurance. If only they’d spoken to us when they bought them we could have ensured they had the appropriate cover” Andrew at Regency

Everything depends on the type of riding you will be doing and the value of the gear you use. There are loads of different types of cycling and various bikes that best suit your cycling needs, such as:

It’s always worth speaking to a broker who can help find the best cover for your individual needs, and answer these types of questions:

In cases where you are able to use your home insurance policy for cover it will demand that your bike is tightly secured to a fence or stored in a locked garage to be eligible for the cover.

  • Is your bicycle covered by your home insurance? Don’t automatically assume this, as one in three policies don’t provide cover if your bike has been stolen away from home
  • In cases where you are able to use your home insurance policy for cover it will demand that your bike is tightly secured to a fence or stored in a locked garage to be eligible for the cover.
  • Your insurance fully covers you in case of theft and damage, most insurers will only consider your claim if your bike was stolen whilst locked when left unattended.
  • What is on offer when you make a claim? Consider the sort of repairs and replacements available if and when your bike gets damaged.
  • Does your insurance cover any accidents you may be in, legal or hospital fees you may incur as the result of an accident in this country or perhaps whilst on holiday?

So, if you are an avid cyclist or thinking of getting involved, before you get on your bike – get on your phone to Regency!