If you book both legs of your journey separately with Ryanair your travel insurance only covers you for a day.
Copied from Ryanairs website......
When does cover begin and end?
Your insurance policy offers you insurance protection in line with your flight timings. The policy will take affect and you will be covered against cancellation costs from the moment you purchase your flight and policy. The remaining cover will come in to effect from the time you leave your home and commence your holiday until your journey ends and you return back to your home.
If you have a one way flight your insurance policy will cover you for a single day and end once you have cleared customs in the country of your EU destination.
Where did you hear that, fifi?
It's something I've been doing regularly for years, as I do lots of very complicated three-country journeys. I checked several times in the early days and was always told that if you book travel insurance with a flight leaving your country of residence, that insurance covers you until you step back on that country's soil, so long as you get back within a certain time limit. But that was always longer than I've ever done, maybe 30 days, I think.
That applies for all the big things that interest me: air ambulance is the only one that I really think is worth covering, but there are a few health-related things that can get really expensive, depending on where you go. If I have to cancel my journey, it's a grave enough reason for me to forget about the money I've spent, though I'd always let a family member or friend try to profit from the arrangements.
So, was I really not covered all those times when nothing went wrong? :o :o :o
Hi Sheila , I was checking it out for myself today because I was charged for insurance on a ticket which I booked recently and was trying to get reimbursed because I didnt need it. I buy annual insurance so never bother with the airlines one. The above quote is copied and pasted from Ryanairs website and refers to insurance policies booked through them.
Could I be interpreting it wrong perhaps?
We are talking about Ryanair's own insurance here, I presume and I think fifi is correct in her interpretation of the conditions. Why would Ryanair cover you for anything other than the one-way flight you have booked?
It was something I thought about when someone suggested booking flights separately (to save money I think) and I wondered if, for example Ryanair cancelled your outbound flight due to weather conditions or similar and offered you a refund or a re-scheduled flight - what about your inbound (return) flight which you had booked separately?
As far as Ryanair are concerned, the flights are quite separate so why would they be obliged to refund/reschedule your return flight?
I'm not sure it's simply a Ryanair problem. I tried looking into this a few months ago. Most annual multi trip insurances will cover for a specified number of days...i.e. 30, 45, 60 etc. – depending on what you pay of course. BUT, in attempting to get specific advice on flights booked separately, at least one major company (Columbus IIRC) stated it was 'TRIP' insurance ,so until your return flight was booked.....it wasn't a 'trip' – it was a one way ticket and their liability ended when you had your first ciggie outside FUE airport !! You're covered for the flight, baggage loss etc, but none of the healthcare benefits you would associate with holiday insurance. If you subsequently booked a return to your country of departure it then became trip insurance provided you stayed within the number of days allowed from your date of departure. I don't see a problem with multi trip insurance when people book a return a day or so after arrival, but waiting until the last minute may leave you without cover for most of the time you are here. Ryanair insurance may be different, but I wouldn't imagine it would be a superior product. Some companies actually specified deep in their T&C's that both sectors should be purchased prior to travel....as ever....the small print is awash with get-out clauses.
Thanks DJK99.....interesting... :)
The word "Insurance" refers to the promise of repayment of the money in the case of any loss to the insurer. The insurer may be an individual or a company who have made prepayment to an insurance company for a secured life. Insurance also provides "security against future loss". We cannot predict the timing and the occurrence of loss. So we need insurance plan in order to protect ourselves from the future loss. An insurance policy provides financial assistance to support medical, personal and social services.
i4MT - more info (http://www.insurance4motortrade.co.uk)
Taking some direct hits from Spam today Admin...........
Talking of insurance, there is a company currently advertising on national television called Columbus, be careful, be very very careful. I had the misfortune to insure with Club Direct, part of the Columbus group and getting a claim settlement through their wilfully obstructive claims procedure is like pulling teeth.
Still haven`t been paid even though a parallel claim submitted by my travelling companion was settled by Axa months ago.
Travel Insurance is important to understand, since like health insurance coverage, the customer may be refused coverage. Many insurance companies will offer a surplus of coverage for individuals and families. The company will consider few aspects of the policyholder, by reviewing the risk factors involved.
Dan Jones (http://www.insurance4motortrade.co.uk)
Hmmm... more spam.