France and beyond anyone?

[Fragle]

We have just delayed France holiday to next year now. We were going on ferry to Caen But just thinking of going to Germany for 2 weeks on euro tunnel. Will we have to isolate? I’m thinking not as we won’t stop when going through France and Belgium

 

[gus-lopez]

X person or company could claim £ X amount from you personally if your travel insurance is invalid or indeed never taken out, that claim, for death or incapacitation, for example, could be in excess of all your wealth combined, consequently bankrupting you.

We've had this one before but I'm struggling to understand what I could possibly be doing that someone would attempt to sue me for?

If I am in this position through having no travel insrance why am I not in the same position on a daily basis anywhere & what insurance would I have to get to be covered?

You can't have nothing of value, you have an income ? you have a vehicle ?

They are actual or potential assets that you could lose if you were claimed against without adequate personal liability insurance to cover yourself.

Fortunately here there is a minimum below which you cannot be embargoed.

We have just delayed France holiday to next year now. We were going on ferry to Caen But just thinking of going to Germany for 2 weeks on euro tunnel. Will we have to isolate? I’m thinking not as we won’t stop when going through France and Belgium

If you drive straight to Germany or don't get out & mix in France then it is ok

 

[jessthedog]

If you drive straight to Germany or don't get out & mix in France then it is ok

Be careful about going into Germany, if you have travelled from Spain. Its Worth checking what's going on.

Coronavirus: Germany issues fresh warning over Spain – DW – 08/14/2020

Germany's Health and Interior Ministries have agreed that Spain — excluding the Canary Islands — is now a high-risk area due to a surge in cases. Find out more about other key developments.

www.dw.com

 

[Fragle]

We've had this one before but I'm struggling to understand what I could possibly be doing that someone would attempt to sue me for?

If I am in this position through having no travel insrance why am I not in the same position on a daily basis anywhere & what insurance would I have to get to be covered?

Fortunately here there is a minimum below which you cannot be embargoed.

If you drive straight to Germany or don't get out & mix in France then it is ok

Excellent. Germany looks as safe as it gets and at least we can wander around. the question would be how would they know that you didn't stop?

 

[busby]

Excellent. Germany looks as safe as it gets and at least we can wander around. the question would be how would they know that you didn't stop?

They dont they are relying on your honesty and common sense,,BUSBY.

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[Fragle]

They dont they are relying on your honesty and common sense,,BUSBY.

Oh great. that will work then

 

[MC 55 FUN]

We've had this one before but I'm struggling to understand what I could possibly be doing that someone would attempt to sue me for?

I've offered you examples before Gus

Here's a scenario, you are staying in my hotel, you accidentally / intentionally set fire to your room, causing me a loss, I claim on your non existent or invalid travel ins'. they tell me to go forth, I then have no alternative but to sue you for damages, all the while of course you are locked up in some hell hole in God only knows where.

Another one :

You're a pedestrian abroad, you look left instead of right, walk into the road, causing me to avoid you, in doing so i crash my very expensive car writing it off, again i attempt to claim on your travel ins', same reply, i then have to sue you to reclaim my costs.

Both of these scenarios are possible which is why travel insurance,whether the holder is in their own country or abroad is vital i.m.o.

 

[nicholsong]

I've offered you examples before Gus

Here's a scenario, you are staying in my hotel, you accidentally / intentionally set fire to your room, causing me a loss, I claim on your non existent or invalid travel ins'. they tell me to go forth, I then have no alternative but to sue you for damages, all the while of course you are locked up in some hell hole in God only knows where.

Another one :

You're a pedestrian abroad, you look left instead of right, walk into the road, causing me to avoid you, in doing so i crash my very expensive car writing it off, again i attempt to claim on your travel ins', same reply, i then have to sue you to reclaim my costs.

Both of these scenarios are possible which is why travel insurance,whether the holder is in their own country or abroad is vital i.m.o.

When in the last 50 years did you do either of those?

I neither.

 

[suavecarve]

I've offered you examples before Gus

Here's a scenario, you are staying in my hotel, you accidentally / intentionally set fire to your room, causing me a loss, I claim on your non existent or invalid travel ins'. they tell me to go forth, I then have no alternative but to sue you for damages, all the while of course you are locked up in some hell hole in God only knows where.

Another one :

You're a pedestrian abroad, you look left instead of right, walk into the road, causing me to avoid you, in doing so i crash my very expensive car writing it off, again i attempt to claim on your travel ins', same reply, i then have to sue you to reclaim my costs.

Both of these scenarios are possible which is why travel insurance,whether the holder is in their own country or abroad is vital i.m.o.

I have travel insurance, but i can see why people dont.
Example one, I wouldnt intentionally set fire to your hotel room
Example 2, has possibilities if you can catch me as I am running the hell out of there !

TO be fair, they are fair examples and as stated I have it, but I am unaware of actual stories which dont include "my brothers mate's neighbour" and I sort of get those who dont want it or need it, but as you have rightly pointed out, it may one day be necessary.

I ll have a google

 

[suavecarve]

Considering Travelling Without Insurance? Read These Travel Horror Stories First - Brogan Abroad

Considering travelling without insurance or wondering whether it's worth it? Read these travel horror stories that show why travel insurance is important.

broganabroad.com

That should enlighten a few (including me)

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[MC 55 FUN]

I have travel insurance, but i can see why people dont.
Example one, I wouldnt intentionally set fire to your hotel room
Example 2, has possibilities if you can catch me as I am running the hell out of there !

TO be fair, they are fair examples and as stated I have it, but I am unaware of actual stories which dont include "my brothers mate's neighbour" and I sort of get those who dont want it or need it, but as you have rightly pointed out, it may one day be necessary.

I ll have a google

That's the whole point of insurance though isn't it ?

I take it that you insure you car ? your house ? your life ? your dog / pet if you have one ?

We all buy insurance in the hope that we'll never need it, one day though by the law of averages, we probably will.

 

[suavecarve]

And for balance i googled "travel insurance company not paying out"

I may be a while

About 778,000,000 results (0.47 seconds)

 

[jessthedog]

Considering Travelling Without Insurance? Read These Travel Horror Stories First - Brogan Abroad

Considering travelling without insurance or wondering whether it's worth it? Read these travel horror stories that show why travel insurance is important.

broganabroad.com

That should enlighten a few (including me)

Travel Ins is so yesterday! All you need is to go on Go Fund Me and put on a sob story and suckers will pay for your repatriation

 

[MC 55 FUN]

When in the last 50 years did you do either of those?

I neither.

Just because you or I haven't had that misfortune doesn't mean the unexpected can't / won't happen & that's the whole point of insurance.

I take it you insure you car ? your motorhome ? your & your families lives ? your home ?

If so why do you do that . . . . . ?

 

[suavecarve]

That's the whole point of insurance though isn't it ?

I take it that you insure you car ? your house ? your life ? your dog / pet if you have one ?

We all buy insurance in the hope that we'll never need it, one day though by the law of averages, we probably will.

Yes/Yes/No/No
The first one is because it is a legal requirement
the second one because it makes sense
The 3rd one i dont get to benefit from my death
The 4th one is its a cat. we have had 4 cats and the only thing we have ever done at the vets is have them put down. We may be lucky.

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[MC 55 FUN]

Yes/Yes/No/No

So why do you insure your car & house & no doubt your motorhome if you have one ?

 

[MC 55 FUN]

the second one because it makes sense.

I would suggest that for the majority of travellers, travel insurance makes sense too - unless they want to roll the dice & hope for the best, all the while gambling that the worst doesn't happen.

 

[gus-lopez]

the question would be how would they know that you didn't stop?

Honesty

I've offered you examples before Gus

Here's a scenario, you are staying in my hotel, you accidentally / intentionally set fire to your room, causing me a loss, I claim on your non existent or invalid travel ins'. they tell me to go forth, I then have no alternative but to sue you for damages, all the while of course you are locked up in some hell hole in God only knows where.

Another one :

You're a pedestrian abroad, you look left instead of right, walk into the road, causing me to avoid you, in doing so i crash my very expensive car writing it off, again i attempt to claim on your travel ins', same reply, i then have to sue you to reclaim my costs.

Both of these scenarios are possible which is why travel insurance,whether the holder is in their own country or abroad is vital i.m.o.

the first is an accident. Your insurance your problem. No good looking to me as I have nothing.
Number 2 you missed me? What has it to do with me? The fact that I have been negligent isn't my problem you swerving & crashing. Always hit the one at fault I drummed in to my daughters. If you had hit me it is my problem.

Considering Travelling Without Insurance? Read These Travel Horror Stories First - Brogan Abroad

Considering travelling without insurance or wondering whether it's worth it? Read these travel horror stories that show why travel insurance is important.

broganabroad.com

That should enlighten a few (including me)

Most of that on there is the usual american tat. If I was actually going to any of those Godforsaken shite holes I might be taking insurance out but I wouldn't be paying I'd be getting the person to pay who was paying me to actually go there.
my travelling is in europe. & no different to me travelling around here or others in the Uk .we don't have insurance for any of that day to day normally? If taken ill in the EU the ehic covers the majority ,even if some is copay. You can't be asked to leave another european hospital & be "repatriated" if the equivalent national would not be also asked to leave .

I take it that you insure you car ? your house ? your life ? your dog / pet if you have one ?

The van, the house is but only so that I get the 'consorcio' cover which comes automatically.

take it you insure you car ? your motorhome ? your & your families lives ? your home ?

If so why do you do that . . .

Because it is a legal requirement to be able to cover 3rd party damages. our lives are not insured or dog/s

 

[gus-lopez]

Honesty



the first is an accident. Your insurance your problem. No good looking to me as I have nothing.
Number 2 you missed me? What has it to do with me? The fact that I have been negligent isn't my problem you swerving & crashing. Always hit the one at fault I drummed in to my daughters. If you had hit me it is my problem.

Most of that on there is the usual american tat. If I was actually going to any of those Godforsaken shite holes I might be taking insurance out but I wouldn't be paying I'd be getting the person to pay who was paying me to actually go there.
my travelling is in europe. & no different to me travelling around here or others in the Uk .we don't have insurance for any of that day to day normally? If taken ill in the EU the ehic covers the majority ,even if some is copay. You can't be asked to leave another european hospital & be "repatriated" if the equivalent national would not be also asked to leave .
The van, the house is but only so that I get the 'consorcio' cover which comes automatically.

Because it is a legal requirement to be able to cover 3rd party damages. our lives are not insured or dog/s

I'd be more concerned about who is paying for any funeral before any of this.

 

[MC 55 FUN]

I'd be more concerned about who is paying for any funeral before any of this.

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[EssexBoy]

That's all well & good & obviously well thought out

How about personal liability though ?

X person or company could claim £ X amount from you personally if your travel insurance is invalid or indeed never taken out, that claim, for death or incapacitation, for example, could be in excess of all your wealth combined, consequently bankrupting you.

Blimey, that's grasping at straws isn't it? I work in the insurance industry and no one has ever suggested I specifically have that one...

Can we assume you are more risk- averse than the average bear?

And before you ask, yes, i am aware my underwear could spontaneously combust if I pass wind just as a nearby smoker lights his cigarette in the end the direct line premium was just too much...

 

[suavecarve]

So why do you insure your car & house & no doubt your motorhome if you have one ?

I edited the response so reasons are up and yes to your last.

I ll do it again though for this question and it is

Car. Legal requirement
House. Necessity for mortgage and now that has finished £400 nicker versus 750 K makes sense.
Motorhome. Legal requirement

I also point blank refuse to take out any warranty for phones tvs fridges computers etc.

The last paragraph has most certainly worked out in my favour. Never used one.

 

[suavecarve]

I would suggest that for the majority of travellers, travel insurance makes sense too - unless they want to roll the dice & hope for the best, all the while gambling that the worst doesn't happen.

The wife wins on this one. As said before I have it. If it were my decision, it may be different, i genuinely dont know

 

[violet]

I’ve just done an online quote with
www.battleface.com for travel insurance for the two of us at 60 and 63 years of age for the period of 30/8 - 22/9
£264 which includes repatriation if necessary
They are prepared to offer cover even with the current FCO advise

Some companies will offer insurance cover for countries that the FCO advise against, but only for conditions that are nothing to do with the FCO advice. So I could be covered in let us say Afghanistan if I fall down and break a leg but not if I am hit over the head by a member of a fighting group.

 

[violet]

If you drive straight to Germany or don't get out & mix in France then it is ok

Is there a German tequirement to quarantine if coming from France. I haven't heard of it.
If you drive straight from Germany (or don't get out and mix) you won't need to quarantine in UK at the moment ... but all things may change!

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[sdc77]

So we only intend travelling through France in the current climate... Our vehicle and travel insurance is with NFU ... We have adac partner plus which is pretty good cover and is even better if in Germany..
Not really too concerned and we have sufficient masks and sanitiser.. intend using only Aires/stellplatz we currently assess the risk as minor and certainly acceptable.

 

[gus-lopez]

Some companies will offer insurance cover for countries that the FCO advise against, but only for conditions that are nothing to do with the FCO advice. So I could be covered in let us say Afghanistan if I fall down and break a leg but not if I am hit over the head by a member of a fighting group.

& that is about all I would be wanting it for.