On 1 January 2009, major changes will be effective to change the way travel insurance is sold. The changes apply to sales companies as part of a holiday, such as travel agencies, tour operators, bus companies and airlines. This is reflected also in these shops, including shops, pharmacies, supermarkets and post office. Many of these companies are already selling in accordance with the laws of other products. However, a double standard to existthe way in which the insured, because selling "products" section of companies (that only sell travel insurance) have been invited to respect the rules FSA since 2005.
The financial watchdog of the United Kingdom, the Financial Services Authority (FSA) to take over the regulation of the sale of travel insurance in the United Kingdom in January 2009. Since 1 January there will only be available for purchase through FSA regulated agents. Travel agencies and tour operators are not smallcan cost or time in the complicated process of compliance with the FSA to justify the legislation. These companies can not help but refer their clients to FSA regulated brokers and agents are.
The message was not welcomed by traders in the number of packages, some of whom believe that their staff are trained and qualified to sell insurance. However, indications that not all companies have done a great job. The government has put pressurethis new law, adopted in the past because of insurance problems. Many consumers suffer damage during the trip, since they are not adequately informed of the limits of politics that have been recommended for purchase.
One major area of concern was in relation to exemptions for pre-existing diseases. If the policy is, without the input of the diseases that sells the result of the denial of all claims relating to, in case you couldIssue. Another area that caused concern was non-customers who may need information in order to obtain additional insurance for dangerous sports. Some measures include only those activities, organized and arranged by the tour operator or agent. If the insurance is in the context of a holiday package to be sold, customers have understandably focused on the excitement and anticipation of the holidays and do not give adequate attention to the conditions of the policy.Unfortunately, many do not know how far it is not too late.
FSA regulation will translate into a much more efficient service to customers. The seller will impose strict FSA principles and guidelines that customers should be treated fairly and have access to a structured process for handling complaints to be bound. It should also be able to enjoy the financial benefits of the mediator and all disputes, which are not settled directly with the company.
The journeyEuropean Union member states are encouraged to obtain the European Health Insurance Card (EHIC) before departure. However, the card is not a substitute for the insertion of our comprehensive travel insurance. The card is the use in case of medical emergencies and accidents that can provide a free or low cost treatment in the participating countries. However, no coverage for the multitude of problems that arise during the trip, such as lost luggage, theft ofValuables, cancellation and reduction of travel and repatriation of emergency. Many people are unaware of the fact that neither a private policy, or the card provide cover for those who are abroad with the specific intention of remaining receive medical care.
After the FSA regulation is in place to monitor the insurance method of sale, customers are sure to be better informed before you leave. Currently expected to depart about ten to fifteen percent of passengerTraveling without a certificate of insurance. This suggests to millions of uninsured and vulnerable people visit each year to foreign countries. It is hoped that the confidence given to consumers in the insurance and general awareness of the importance of travel insurance, when an impulse by the imposing presence of the FSA was.
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