Wednesday, 28 August 2013

Odd Notes and Travel Tips





Did you know it's illegal to take bottled water into Nigeria or wear camouflage in Barbados - even bathing shorts? 

No? Well, that's why at Holsure we advocate research before holidays, but we also thought we'd put up some lesser known facts about Travel Insurance too.

Don't wait to take your Insurance Policy out until just before your trip - if you do, you risk not being able to recover any costs you have already incurred if you j=have to cancel. It makes sense to take out your Policy when you book your vacations - you will then be covered for any losses that may occur - including deposits.

Taking a Caravan or Trailer abroad?  Be aware that some European Motoring Breakdown Assistance policies levy a hefty surcharge for covering them on your policy. A few, such as Holsure, charge only a modest fee.

If you are travelling more than once a year even in the UK  and your trip is pre-booked, it will probably be cheaper to buy an annual policy rather than a series (or even two) single policies.

If Travelling to Europe never forget your European Health Insurance Card - in fact keep it with your passport. You'll need it if you have to attend a local hospital or visit a Doctor.

Please keep reading our blog for future fun and important tips about your Travel and visit our website for a look around.....HERE


Sunday, 18 August 2013

Driving In Europe




Who can deny the freedom afforded by a touring holiday in Europe? The open roads, the ability to stop at every gob-smacking viewpoint, café or restaurant; choosing your overnight stops as you go and changing route plans as you wish - these are all advantages of touring Europe in your own car, caravan or camper.

Imagine the ability to re-route your holiday as thunder storms approach the South of France to detour towards Barcelona and the Spanish sun; or extend your journey through Munich and on to Salzburg just because you can. My wife and I once drove from Apeloorn, where we had been working, into Munster and then to Dortmund where I was born, just because we had a few days free and wanted to see some of Germany and taste some good German food.

I would much rather drive into Europe than fly or take the train, although I have done both and enjoyed Eurostar and the European flights from England - it's just that driving allows you to pack more (including the fishing tackle) and allow for contingencies. I also think it can be cheaper to drive and find your own accommodation at prices you can afford. The same with restaurants and your itinerary.

Yet, whilst budgeting may be important, please do not scrimp on Breakdown Cover or European Travel Insurance. Remember, too to take your EHIC card - more on that HERE

Breakdown cover for your vehicle is as essential as ensuring that you are your family are covered for accidents and health issues while abroad. The cost of recovering a vehicle from Europe to the UK can be exorbitant as can car repair costs when you include accommodation for all the family - don't be caught out - it can be very reasonable to cover your vehicle for a two week tour.

At Holsure, with Green Flag our Breakdown cover includes the following:
  • Handled in European call centres
  • Complete Roadside assistance
  • Free translation service
  • Repatriates your vehicle to the UK
  • No Call Out charges
  • Covers everyone on your holiday
  • Optional cover for Caravans, Trailers & Motor Homes
  • Covers all cars and motorcycles up to 16 yrs old     

Also, our cover starts from under £40 for 14 days, making it one of the best value policies available.

Please take a look at our web site to compare our cover and costs - HERE









Saturday, 10 August 2013

Why Multi-Trip Travel Insurance is the Economical Choice

An increasing number of Canadians are lining up to cross the Canada-U.S. border for the day. In January alone, 2.8 million same-day car trips were recorded, hitting a 16-year high!1,2 While the lure of a money-saving shopping excursion is credited for many of these quick trips,3 your clients are putting themselves at risk of a potentially hefty hospital bill if they aren’t protected with travel insurance.

Do you know how much an ER visit could cost?

People get sick and accidents do happen — 2009 stats reveal more than 2.3 million adult drivers and passengers were treated in emergency departments in the United States after being injured in a motor vehicle crash.4 Just one day in an American hospital costs on average $4,287($US).5
This begs the question: Are your same-day travel Canadians protected? Most day-trippers who do not purchase travel insurance aren’t necessarily risk-takers; they just forget to buy it or are simply unaware of the financial risk they are taking.6 Take the initiative and remind yourself!

Manulife travel insurance for the multi-trip traveller

Once awareness of the need for travel insurance is established, find out if you frequently travel throughout the year. If this is the case, find the economical Multi-Trip plan.
This travel insurance plan offers many benefits for you:
  • Purchased once a year, it eliminates the need to fill out an application for individual trips.
  • Interprovincial emergency travel is covered for services such as an air ambulance to transport clients back to their home province.
  • It covers amateur athletics such as hockey and soccer tournaments for no extra charge, providing the sport is not your principal paid occupation.
  • In the event of a medical emergency, by simply calling the 24/7 emergency hotline number, arrangements will be made to have your medical bills sent directly to Manulife, where possible, and you would avoid out-of-pocket expenses.

Travel insurance that’s as flexible as you travel plans

You will also appreciate that the Multi-Trip plan offers a lot of flexibility. Plans can be purchased for 4, 10, 18 or 30 days. Plus, if a trip exceeds the duration limit that they initially purchased, you can top up with additional days for individual trips. So if you travel habits are typically covered by your 18-day plan but they decide to go away once for 25 days, be advised of the availability of a one-time 7-day top-up plan.

The Multi-Trip Plan — it’s more economical than you may think!

If you are convinced that purchasing individual trip insurance is the more economical route, find this example of a travelling couple.
Jenn, 30 years old, and her husband Mike, 35, reside in Ontario. They both enjoy travelling down south a couple of times a year and cross-border shopping. When they compared the cost of purchasing a single-trip plan each time they travel to the cost of purchasing a Multi-Trip plan only once a year, it was evident that a Multi-Trip plan covers medical emergencies for less.
Single-Trip Emergency Medical
Multi-Trip Emergency Medical
Trip #1: 1-day shopping trip for both
$5.13
10-day trip
Jenn
Mike

$49.40
$49.40
Trip #2: 6-day vacation for both
$30.78
Trip #3: 7-day vacation for both
$35.91
Trip #4: 1-day shopping trip for both
$5.13
Trip #5: 8-day vacation for both
$41.04
Trip #6: 1-day shopping trip for both
$5.13
Total 
for 6 trips
$123.12
Total
for unlimited number 
of 10-day trips/year
$98.80
Rates are for a couple, effective November 30, 2012. Rate category A; no deductible.

Pay attention to details

Before discussing the Multi-Trip plan, make sure you understand the different rate categories and definitions. If you are 55 years of age or older and unsure about the stability of any pre-existing medical condition or about their medications, you should consult their doctor before completing the medical questions on the application.

An easy sale

If your travel habits are anything like Jenn and Mike’s, the Multi-Trip plan offers the flexibility, convenience and affordability to suit your lifestyle. With the number of Canadians taking more trips across the border up 5.3% from a year ago,1 this plan will be the ideal choice for many of you who are part of this trend.

Sources:
  1. Statistics Canada: Travel between Canada and other countries. January 2013. 
    Accessed at: http://www.statcan.gc.ca/daily-quotidien/130320/t130320b001-eng.htm.
  2. Statistics Canada: Travel between Canada and other countries. February 2012. 
    Accessed at: http://www.statcan.gc.ca/daily-quotidien/120419/dq120419c-eng.htm.
  3. CBCnews. U.S. cashing in on Canadian shoppers. February 21, 2012. 
    Accessed at http://www.cbc.ca/news/canada/story/2012/02/21/cross-border-tax-shopping.html.
  4. Centers for Disease Control and Prevention. Injury prevention & control: motor vehicle safety. 
    Accessed at http://www.cdc.gov/motorvehiclesafety/.
  5. International Federation of Health Plans. 2012 comparative price report.
  6. The Conference Board of Canada. Outbound Canada: Canadian Travel Health Insurance Survey Results. May 2012

Quote: Manulife Financial Affinity Market

Winter Sports




It may seem a touch incongruous to discuss Winter Sports at the end of what may have been the UK's best summer since 2006, but such is the nature of the Travel Industry that if we want to secure our favourite skiing destination, or the venue that will allow us to participate in all our extreme winter sports in one designated holiday area,  then we have to book early.

But if any holiday demands a comprehensive Travel Insurance Plan then the one where your feet are often planted firmly in the air must be that one. The Holiday during which dealing with the ski lifts can be more stressful than coping with the slopes requires careful planning and an even more assiduous contingency strategy. 

We have all heard of the humorous, shocking, unexpected and gob-smacking anecdotes of skiing holidays - dinner parties everywhere have a whole 45 minutes dedicated to such horror stories that leave us bemused and often grateful that we were not on the receiving end of Lady Luck's attention - this time.

Many of those who take part in Winter Sports Holidays are seasoned pros, or at least returning regulars, but what should you expect from a Winter Sports Travel Policy? Well, take a look at the list below:

  • Off piste skiing or snowboarding;
  • 4x4 off road driving on ice or snow;
  • Bobsleighing & dog-sledding;
  • cross country skiing & snowboarding
  • curling
  • Glacier walking
  • heli-skiing,
  • Ice hockey, ice skating & land skiing,
  • Luge & mono skiing,
  • Recreational Ski Racing,
  • skiing, skidoos, sledging, sleigh rides, snowboarding, snow mobiling, snowparks,
  • snow-shoeing and tobogganing
  • Cover for age up to 70
  • Ski equipment cover
  • Ski pack cover
  • Ski hire cover
  • Piste closure cover
  • Avalanche cover
  • Big name reliable insurers: AGEAS Insurance Ltd
  • Discounts for Couples, Family and Single Parent Families
  • Full medical and repatriation cover abroad including skiing accidents
  • UK medical advice and translation service
Pretty comprehensive we like to think, but please check our website for more details, but don't forget - your Insurance should be in place when you book your holiday to ensure that your deposit is also protected.

Take a look around our website HERE


Sunday, 4 August 2013

Channel Islands, research and recent changes...








At Holsure, we try to encourage travellers to carry out some research when heading off on their holidays. Whether you are flying off on a cheap package tour to The Balearics or an expensive, all inclusive fortnight on some remote island paradise, it's worthwhile checking out the history of that area and perhaps visiting some of the local sights and sites....

Somewhere on that research list should be a verification of the local Health Services and how they tie in with your holiday. For example, many parts of Europe do dot have a Health Service like ours, some parts do not have one at all and you should be aware that in the event of an accident or illness you or your family could find yourselves in some financial difficulty. Naturally, in other parts of the World outside Europe this situation can become much more extreme and Insurance issues become even more of a priority.

Of course, we all hope that such events will never occur and that our holidays will  end leaving us a wonderful montage of memories, photographs and souvenirs; scars and fevers are not included on that list.

A classic case in point is The Channel Islands where, since 2009, reciprocal health arrangements with the UK were changed and Medical Expenses for UK residents are no longer free in The Channel Islands. Many Insurers therefore, now treat these Islands as part of Europe and this has increased the Insurance costs.

At Holsure, however, we still treat the policy cover as if you were travelling within the UK and premiums are therefore lower. Additionally, annual policies are available if you are a regular traveller and no pre-booked accommodation requirement exists, this allows you to stay with family or friends.

Our policies also cover missed departure for connecting flights in the UK (including informally arranged connecting flights so long as adequate time is allowed) – and as many of you know this is very important when travelling over the foggy channel. 

Cover is essential for Channel Islands or UK residents travelling between the 2 countries so please check out our website for all the details you may require HERE and remember, please travel safely.







Saturday, 27 July 2013

Scotland, First Impressions and Trout Fishing...


The Highlands, well worth a visit...especially if you're a fisherman

Even if you're not a fisherman, Scotland is a country for walking and for being outdoors. This is one fisherman's first impression of the country - see if you agree!

I had recently started my trout fishing life in Kent, with a friend who patiently taught me how to cast and had the inspired notion of ensuring that I caught a fish by teaching me in a place where it was easy to do so – a fish farm. My first Rainbow weighed in at around two pounds, fought like a locomotive and – because you paid for each fish you caught – cost me about eight quid!

But of course I was hooked too. There is something so simplistic, so condensed about turning up at a water with a rod, a small bag and a net. No bait, no seat, no rigs or weighty bombs to cast at the horizon – it seemed so pure, so refined and so light! It was apparent that it would be easy to become snobbish about the virtue of this inherent simplicity. And of course you could always leave the bag behind too because fly fishing is the only time in life that grown men could and should wear a waistcoat. I have seen some older gentlemen sporting “gilets” while boarding aircraft or strolling along the promenade at Brighton –sometimes it’s almost a uniform in the checkout at Heathrow - but it really shouldn’t be allowed. I blame the wives of these safari gilet wearing warriors for permitting them to leave the house in such attire – waistcoats are for, and only for, fly fishermen.

A great country to walk in too  


I eventually left the fish farm once my casting was sufficiently capable and approached the smaller, stocked fly fisheries that could be located in the Trout Fishing magazines. At these waters I learned the various ‘arts’ of fly fishing; drifting, intermediate lines and fast sinking monstrosities that hooked up on everything that littered the bottom of the lake; buzzers, nymphs, sparkly lures and the ubiquitous Montana. I also caught a few ‘novelty’ fish like the golden rainbow and the blue; some insipid looking brown trout which were anything but the expected “currants, raisins and cloves” described by Henry Williamson, being rather silvery fish with stubby tails looking poorly and limp, and I even caught tench on the fly in one Estate Lake in Kent.

I went on to fish a local reservoir; a vast water with depths of up to 70 or 80 feet but where the majority of the trout are caught near the surface for most of the year, only becoming unreachably elusive during the extreme heat or the severe cold. I loved the splashy rise, the gentle sip or the “roll over” as the flies were taken and, for a while became adept on the bank and in the boat – by adept I mean that I occasionally caught a few of these ‘wilder’ fish and my casting improved. I enjoyed the solitude of these larger waters, though of course, the fish were still stocked; on the borders of Kent and Sussex, wild trout are, rarely, found in one or two locations only, so if one wishes to catch a trout one must necessarily travel or put up with stockies.

I came to appreciate the art of tying my own flies, always preferring to use natural materials, or at least natural looking flies whenever possible. Much of my writing about trout fishing traduces the “lure” – that flashy imitation of nothing earthly - that angers a fish into snapping at your “fly”, rather than taking one that it has been fooled into believing was a nymph or midge lava or even a fry. Yet although I have used lures, especially on the ‘dog’ days, when fish are reticent, deep or sleepy, I’m not very adept at fishing them and feel less satisfaction catching with them – I am very definitely a nymph man at heart.

But in 1990 I ‘discovered’ Scotland. I arrived in Glencoe at 4 o’clock on a darkly glowering, crepuscular November afternoon and seemed to feel the enormous weight of the mountains around me, their very mass barely discernible in the heavy, wintry dusk, as the attenuated light leaked from the landscape.

Scotland hooked me too. I was captivated by its history, its forthright, sometimes dourly pragmatic inhabitants, its cheerful national optimism and its gloriously diverse and enchanting landscape. From that November accident (we started in Bath and just kept driving… ) began a consanguineous affiliation that adhered to my Celtic descent and forced a return, time and time again, sometimes two or three trips a year. It would take me chapters to attempt to explain why I was so entranced by a country that most people think too damp, dark or hard to reach, and in the end it’s such a nebulous concept – a love affair with a country – that it would be too difficult to define anyway.


Peaceful tranquility...


Naturally, the love of fishing and the love of Scotland would coalesce, but it took a year or two for them to do so – I had separated them in my mind as perhaps one would a mistress and a wife – never conceptualising the union of the two. But of course it did happen – I was asked by my partner at the time why I hadn’t taken fishing tackle with us on our Scottish trips and I could give no valid, believable explanation, mumbling something about ‘not fishing on holidays’ an obvious piece of fabrication as it hadn’t stopped me Marlin Fishing in Gran Canaria or Bass fishing in Cornwall. Thus the two loves – a country and a sport - were combined.

As far as Scottish fishing is concerned, there are so many famous places and rivers. The sea at Malaig and Oban, the lochs of Leven, Lomond, Ness and Ken, the rivers Tweed, Spey, Dee, Tay and Don and a myriad of smaller rivers, burns, lochs and lochans – even one lake. There are towns whose names are synonymous with the sport, Dunkeld, Beauly, Kelso and Thurso and the entire country is veined with meandering watercourses and potholed with glacial lochs of vastly differing sizes – it is a veritable dream country for a fisherman.


Beautiful country....


It was in a marginally famous river that I caught my first Scottish and truly wild, brown Trout – the Blackwater.

It’s namesake in Ireland – the Munster Blackwater - is probably more famous, starting in Kerry and flowing out through Youghal harbour in County Cork with some magical salmon and trout fishing beats in between. I have fished that river too, now. As we walked down towards the falls of Rogie from the car park towards the Scottish Blackwater near Contin, salmon were showing everywhere, splashing in pools as they fought their way up-river in the inevitable battle against contour and elements to spawn. I was persuaded by my girlfriend to fetch my gear from the car and have a go, so I did, to some extremely disgruntled looks from the Salmon Angler opposite. I tied a small red tag stick fly to a four pound point fishing as I would in a fish farm stew pond back home – not knowing any better - and cast it into the pool.

 It felt like a momentous occasion that first cast, almost ‘heavy’ yet I felt lightheaded; my hand tremulous, my breathing fast and light. I didn’t want to catch a salmon – Heaven knows I wasn’t ready for that yet – I just wanted to ‘fish’ and I wanted to hold a real, proper wild, brown trout in my hand and just look.

It was perhaps three or four casts later that I caught my first ever Scottish Brown Trout – a tiny, dark peaty fish of maybe six inches or so. I was like a small child on his first ever minnow fishing trip, amazed and filled with awe at the cascade of colours on these predominantly green fish, but with so many swirls, whorls and blotches. I counted several other colours and, surprisingly, not much actual brown. Only six inches, but that first trout from Scotland could not have been more welcome or more life changing for me. A few seconds after releasing the first fish, I caught another, slightly smaller trout and then another.

The first 6 inch Brownie

It was a wonderful moment in time; the very slight pull on the line - sometimes like a breath of gossamer, or as if a slight breeze had caught the material of the fly - would cause my hand to twitch the rod a fraction of a second later, yet often that fraction, that slight hesitation between sensation and brain impulse was eons too long in trout time, the fish had already realised its mistake and spat out the coarse imitation in disgust. Yet I had fooled it for an instant. I had duped the trout into thinking that my size 16 twinkle midge was a real insect, a genuine item of food. It didn’t matter that all the fish were small, what mattered was the moment, the whole short episode of time, the period in which everything around me tunnelled in on those few fish, that short, magic spell of catching ones first truly wild trout.

By this time the surly salmon angler had moved downstream and I was inexorably drawn back to the ‘real’ world by a loud splashing and sudden movement on the opposite bank. I watched entranced as he played and then lost a large tail-walking salmon. The fish was there one second and gone the next, the line sagging towards the water like a broken washing line as the water of the pool resumed its slow, washing-machine tumble. I would have been completely distraught, raving and stamping around, throwing my rod in the bushes and chewing through the nearest tree trunk, but he just stood looking blankly at the water, still for a moment, then seemed to give an inward shrug before retying his cast. No doubt his fate was different to mine; he has probably caught many salmon each season and one lost fish is just another episode in his ordinary, daily life.

I felt that it was time to retreat. The tranquillity of the pool had been transformed into an angry, brooding entity, the benignity had gone, the still quietude banished. The dark, rocky shelf surrounding the pool was now a forbidding presence, a malevolent gaoler rather than a welcoming gatekeeper.

Another wild Brown Trout

As I climbed the hill back to the car park it occurred to me that I had been blessed with some nice fish as a gift, if you like, from the river, and this feeling has been prevalent from time to time over the years. I have learned to react to the changing character of rivers, lochs and lakes, when I am astute enough to feel these imperceptible nuances of character shift and to accept the gifts when given with thanks. Sounds daft? Well ok, I can accept that in the here and now, but I will still watch for those mood changes and I will welcome them as gifts or warnings as appropriate.

Scotland had presented me with a gift and has pretty much kept on giving since. There have been many wonderful trips, an amazing amount of magic moments to write about and to commit to memory. I still go back to Scotland as often as I can – I just can’t keep away. 

Beautifully clean

Don't forget to visit our website for all your Travel Insurance needs HERE

Sunday, 21 July 2013

Travel For The Over 65's





It's often the case that when you have worked hard all your life and finally have the time to travel, to see those places you've wanted to visit, to sit in the sun and relax and to have peace of mind while you do so, problems are placed in your way. It can become frustrating enough to make you want to stay at home and not be bothered to put up with the nonsense that can surround travel for the older generations.

It seems unfair, doesn't it? But at Holsure we have put in place a Travel Insurance Policy for the over 65's that may mean that you can Travel abroad even with existing medical conditions, sometimes without medical screening and by a large, reliable insurer.

This will also mean that if you do require the insurance policy while you are abroad, you can be covered for your medical expenses, repatriation, UK medical advice and a translation service to make sure it all run smoothly. 

For the frequent traveller, annual policies are available for the up to 80's and there will be no premium loading for coach, rail and road travel.

Don't give up your travel dreams, don't stay at home - just check out our website and see if we can help.