THINKING OF TRAVELLING ABROAD WITHOUT INSURANCE?

I have just been looking at renewing my insurances
I normally just do it on a pay per trip basis with Navigator but at £26 per single jaunt into Europe the Annual multi trip looks better value at £82 for gold policy

FFS its £82 for a year and any number of trips peace of mind to take the risk is, IMO just Bonkers
 
It's all about playing the odds..................

Odds are - you won't have call to claim - but if you do.........

For a simple medical evacuation from France/Germany/Spain etc - (not on a sched flight), you may need something of the order of £35,000 UP-FRONT. I don't expect any/many of us can produce that sort of money, while possibly incapacitated in a hospital bed.

If the illness/injury aren't life-changing.............. the financial hit - could be.

Al


And another thing, whilst you are incapacitated in bed, in a country where you perhaps cannot speak the language very well, it is very comforting to know that there is someone who will make arrangements on your behalf. One thing not to worry about and for me, that is well worth paying for

Apart from those instances where insurance is compulsory, surely we all pay it for peace of mind in the main
 
Make your own choices. I insure things I couldn't afford to replace. So house insurance and public liability, but no contents, travel, gap, medical, tyres, bike gear etc.

Self insurance is the way forward.
 
Pay 16K plus for a new bike
Pay £1000 -£2000 for 1-2 weeks touring
NOT PAY £40-£50 for travel insurance :confused::nenau:blast
Never use it waste of money , use it once and 100 x plus what you paid :rob
Wonder of those who don't pay for travel insurance bother taking out house insurance , content insurance , life insurance ect
if so why what is the difference :augie

Exactly.. :thumb
 
Make your own choices. I insure things I couldn't afford to replace. So house insurance and public liability, but no contents, travel, gap, medical, tyres, bike gear etc.

Self insurance is the way forward.


Well, of course people should "Make (their) own choices"

But 'self insurance is the way forward' is only your choice.
 
One of the attractive things about ADAC Plus breakdown cover, is their WorldWide Medical repatriation service attached to it.

This appears to be amongst the best available, they even have their own medical aircraft! I've read that the first back home from the infamous Thailand 'Tsunami in 2004', were those who had this cover. It comes with their Breakdown + cover and although I hope never to need it, I have it as a supplement to my normal annual travel cover policy, and EHIC Card.

As has been said already, cost of bike and your all your gear - 10's of thousands; cost of accommodation, fuel and food etc - a couple of grand. So why would you not pay less than a hundred quid for a year's cover and hope that you'll never need it :nenau

You pay your money and take the consequences :augie
 
"My son Steven Andrew Didmon went for a simple Hernia operation at the Siloam Hospital in Bali on the 12th of July 2017.

I always undergo surgery like that when on vacation.
 
My view is take out personal insurance just in case ,even when travelling within Europe and having basic E111 cover .

If you chose not to and the worst happens then tough shit , I don't want to hear about your f*cking stupidity, if you lose your home to pay for medical bills or repatriation then it is your problem and not mine .

I will have zero sympathy when your family appear on the local televison news programme with a sob story about how they cannot afford to get you (or your corpse home) and how they will not cope with paying the huge medical bills that have been generated .

I will not be donating to a fund they set up ,it is all down to you .

Lo and behold... On the tv news last night were a family who were on holiday in Turkey and the grandmother had had a heart attack.... she's now in a bad way in hospital and the family have a huge medical bill and no way of paying it let alone getting her back home...
They thought they were covered as the grandmother had her EHIC and they thought Turkey was in the EU.
No doubt they also thought the EHIC cover also included flights home with medical assistance...

All for the sake of £20-£30 :blast

Cheapest £20-£30 you'll ever spend if you need it.
 
You could always discharge yourself from the hospital you happen to be in; get your mate with his tyranny van, and an old mattress in the back , to come and pick you , your bike , and your kit up; a pocket full of drugs and booze for the journey home; and the jobs a gud un:thumb :D
 
Just back from a couple of weeks in Vietnam and Cambodia. Didn't do an organised tour, just booked things as we went along, so completely forgot about insurance, as there was no travel company reminding us. Daft, I know. Wifey crossing the street in Hanoi, looks right then left as she starts to cross the road. Wrong way to look, clearly - she was hit by a scooter and knocked flying, landing in a heap on the road. Thank god nothing was broken. She was unbelievably fine after it. However, it then dawned on us that we had no insurance. Could have been a disaster in so many ways. A good lesson to learn.
 
Along with these tales of brilliant insurance companies, I think it might help future travellers if they were named so we might benefit by picking the good recommended ones.
 
It is a gamble we all take once in a while or some throughout life.

Speak for you'self mate !

i'd never travel without appropriate and well thought out insurance....
Fucking idiots ( seems you are not the only one to be fair to you ! ) think they can play roulette with their finances and their lives :blast....
 
Neil W, I'd love to hear from anyone here that has managed to use the E111 card. ( though I admit its worth taking along) The Europeans, in my experience, will want to see an insurance policy or a credit card.


They dont "play by the rules" . £30 billion a year, maybe more pissed away because we dont have the mechanisms (or the guts) to charge visitors when they come here

Unfortunately the fucking, naive, incompetent NHS is wide open to abuse here .... they completely piss away tax payers hard earned money see here ;



http://www.dailymail.co.uk/news/art...al-watchdogs-say-bosses-don-t-care-fraud.html

http://www.telegraph.co.uk/news/hea...s-abusing-precious-NHS-resources-say-GPs.html

https://fullfact.org/health/health-tourists-how-much-do-they-cost-and-who-pays/

http://www.independent.co.uk/life-s...ients-health-tourism-30-million-a7485226.html
 
Neil W, I'd love to hear from anyone here that has managed to use the E111 card. ( though I admit its worth taking along) The Europeans, in my experience, will want to see an insurance policy or a credit card.


They dont "play by the rules" . £30 billion a year, maybe more pissed away because we dont have the mechanisms (or the guts) to charge visitors when they come here

Unfortunately the fucking, naive, incompetent NHS is wide open to abuse here .... they completely piss away tax payers hard earned money see here ;



http://www.dailymail.co.uk/news/art...al-watchdogs-say-bosses-don-t-care-fraud.html

http://www.telegraph.co.uk/news/hea...s-abusing-precious-NHS-resources-say-GPs.html

https://fullfact.org/health/health-tourists-how-much-do-they-cost-and-who-pays/

http://www.independent.co.uk/life-s...ients-health-tourism-30-million-a7485226.html

I think that most policies require that you try to play the Eurocard first (it has primacy), and they step in if required. So - you may be REQUIRED to have an E111 card to meet the requirements of the policy

Al
 
Neil W, I'd love to hear from anyone here that has managed to use the E111 card. ( though I admit its worth taking along) The Europeans, in my experience, will want to see an insurance policy or a credit card.


They dont "play by the rules" . £30 billion a year, maybe more pissed away because we dont have the mechanisms (or the guts) to charge visitors when they come here

Unfortunately the fucking, naive, incompetent NHS is wide open to abuse here .... they completely piss away tax payers hard earned money see here ;



http://www.dailymail.co.uk/news/art...al-watchdogs-say-bosses-don-t-care-fraud.html

http://www.telegraph.co.uk/news/hea...s-abusing-precious-NHS-resources-say-GPs.html

https://fullfact.org/health/health-tourists-how-much-do-they-cost-and-who-pays/

http://www.independent.co.uk/life-s...ients-health-tourism-30-million-a7485226.html

I know ones from work who have used E111 for basic stuff in both Germany and Austria (hospitals were satisfied just by the fact that they had the card ), as for the NHS being out of pocket regarding foreigners my wife works within the system and the amount of red tape and paperwork that is generated if they try to claim for a non EU resident using the system means in 99% of cases it is simpler to not bother.

They had an American visitor who needed to see a doctor and required antibiotics (they paid for the prescription meds) and tried to pay the health centre for the consultation , however, there is no system in place to charge at source and they reckoned up and the cost in admin work would have been greater than the monies that could be claimed back (this was confirmed by the local NHS trust).
Obviously for more extensive hospital treatment you would hope they would claim from the non EU visitors travel insurance but unlike in some countries we play fair and give them the treatment first before confirming that they can pay and then we are in no position to detain them to make them pay after they have been discharged from hospital.
 
You could always discharge yourself from the hospital you happen to be in; get your mate with his tyranny van, and an old mattress in the back , to come and pick you , your bike , and your kit up; a pocket full of drugs and booze for the journey home; and the jobs a gud un:thumb :D

Uncle Albert (one of the orignal old time UKGSers) did just that when he took his aunt to France for her 90th birthday.
She fell and broke her hip as she crossed the road after getting out of his van.
Trip to a french hospital, they wanted to admit her and operate.
She was having none of it, so with the agreement of the hospital they dosed her up on all sorts of painkillers and stuck her in the back of Peters (uncle albert) plumbing van.

He drove back to Orpington hospital, drove up to the A&E doors, had all the jobs worth's run out threatening him with all sorts and calling him an idiot for parking in the emergency bay and then he played his trump card, opened the back doors of his van and produced his aunty all strapped onto a stretcher :D
 


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