Accidents abroad
By Howard Moorby
Travel insurance should not be viewed as yet another expense as it is an essential for anyone planning a trip abroad.
Responsible tour operators should offer insurance when customers book their holidays but many people will find they already have it by reading the small print of existing policies such as house insurance.
You don’t have to sign up for holiday insurance at the exact time you book your holiday so take time to ensure you get the most appropriate cover.
If you discover you are already insured, make sure the travel operator has the details so they will be recorded on the booking form which goes with you to your resort.
Standard holiday insurance will cover many potential problems including lost luggage, airport delays and illness or accident requiring medical treatment.
Always make sure the company you have booked with is ABTA or ATOL registered so that you are protected if problems arise such as the operator going bust.
There is also much individuals can do to stay safe – such as discussing their travel health requirements with their GP.
The very fact they are on holiday and away from home means most people relax and become more uninhibited – resulting in a higher risk of accidents.
People should take care driving on the roads abroad and pay particular attention if driving on the other side of the road or on unfamiliar winding routes.
If you rent a vehicle don’t be afraid to check it over – look at the brakes and seatbelts. Make sure the insurance is in order and that you have emergency numbers to hand.
Obviously never drink and drive but don’t combine drinking and swimming.
If you go swimming in the sea never go alone and research tides and strong currents beforehand.
If you try a new sport make sure you are using well maintained equipment with adequate instruction and physically able to take part yourself.
Top tips in the event of an accident:
Get immediate assistance.
The hotel should arrange any treatment required. Make sure the incident is logged by the hotel in writing.
Make sure your holiday rep is informed (they should have provided an emergency contact number) and that an investigation report is filled in.
As soon as possible, get the names and contact details of witnesses to your accident. Also ask if they have seen anyone else suffer a similar accident during their stay. Take photographs of the scene and injuries. Take measurements.
Even if you did not have insurance, all EU countries recognise an E111 form so treatment would be paid for in any event.
If you are a victim of crime, report the matter to the police immediately and to your holiday rep.
Your insurance company will need a crime reference number before processing a claim.
