Being well prepared is a luxury that is only really appreciated when we desperately need something we thought we could probably do without. This is often the case with travelers who go on their holidays or business trips and believe that they won’t be needing any personal liability insurance wherever they are going. Nothing could prove further from the truth, because when you cause an accident while in a foreign country, or even when traveling abroad in your own country, and you accidently injure someone, your travel insurance would be able to pay your liability and legal expenses. Although it should be noted that most companies won’t pay the legal expenses if you have a car accident. In the case of having an accident with a rented car you will usually have to pay a policy excess to the car rental company, and sometimes your MyCover Travel Insurance will be able to cover this cost for you.
The main reason most people take out travel insurance is in case their baggage is lost or stolen. This is trivial in comparison to your health of even your life, which should be your main concern when taking out a travel insurance policy. Almost all your things can be replaced, but your health can’t. There are some limits to your MyCover Travel Insurance policy when you claim for lost or stolen baggage, as no claims will be paid out in the case of stolen baggage that was left unattended in a public place. Often proof of ownership of your luggage will be required when you claim lost or stolen baggage, so this should be considered before you leave, and there is also a limit as to how many items each individual is covered for. So if luggage is your main concern while you are travelling, make sure that you are covered for items stolen from a hotel room and if cash is covered if lost.