Connect with us

Tips & Advices

UK tourists warned of seven mistakes that could invalidate your travel insurance

Published

on


According to travel insurance experts, most rejected claims stem from avoidable mistakes – here’s what you need to bear in mind when going on holiday

Holidaymakers are being urged to avoid certain travel insurance mistakes (Image: Getty Images/iStockphoto)

Travellers are being warned that some common mistakes could completely invalidate their insurance. From leaving a window unlocked to skipping a police report, a string of avoidable events can quietly invalidate your cover.

That’s why Forum Insurance is urging holidaymakers to read the fine print before they travel or risk returning home to a rejected claim. The advice comes as UK insurers paid out over half a billion pounds in travel claims last year, but also rejected thousands for failing to meet policy conditions.

Niraj Mamtora, director at Forum Insurance, said: “Insurance is there to protect you, but it has rules, and those rules matter. Most rejected claims stem from avoidable mistakes.

“If you don’t know what your policy requires, you could be left stranded or out of pocket. Read the exclusions, ask questions before you go, and don’t assume you’re covered just because you bought a policy. It only works if you follow the terms.” Below are seven ways your travel insurance could become invalid.

1. Leaving your hotel balcony door or window unlocked

“If there’s no sign of forced entry, many insurers won’t pay out. It’s that simple,” says Niraj. “We often see claims for stolen items from hotel rooms declined because a door or window was left unlocked.

“It doesn’t matter whether you’re in a five-star resort or a budget apartment. Policies usually require evidence that a thief had to break in. If you’ve left an access point open, the assumption is that you didn’t take reasonable care.”

2. Leaving belongings unattended at the pool or beach

“Stepping away from your bag for even a few minutes can invalidate your claim,” Niraj warns. “People think a quick dip or a trip to the bar is harmless, but from an insurance perspective, you’ve left those items unguarded.

“That’s classed as negligence. Most policies will state clearly that unattended belongings in public areas are not covered, regardless of how short the time or how secure you felt.”

3. Not filing a police report in time

“If something is stolen or lost, you usually have 24 to 48 hours to report it to the local police,” explains Niraj. “Some people try to wait until they get home or think a hotel report is enough, but that won’t meet the conditions of most policies.

“You need a formal report from the local authorities, ideally with a case number and location. Missing that step is one of the most common reasons we see valid claims denied.”

4. Not using the hotel safe for valuables

“Valuables not stored in a locked safe are rarely covered,” says Niraj. “If you leave your passport, jewellery, or expensive tech out on the bedside table or tucked into a suitcase, and they’re taken, your insurer may argue you failed to secure them properly.

“The policy wording often requires that high-value items be locked in a hotel safe when not in use. It’s a small effort that makes a big difference to whether you’re covered.”

5. Lending items to friends or travel companions

“Policies usually cover you, not your mates,” Niraj explains. “If a friend borrows your phone, camera or headphones and they break it or lose it, the insurer is unlikely to pay out unless that person is specifically named on the policy. You need to think of your cover as personal, not shared. Just because someone is travelling with you doesn’t mean they’re included in the protection.”

6. Packing valuables in checked luggage

“Laptops, watches, cameras and other high-value items should never go in the hold,” Niraj advises. “Airlines may mishandle luggage, but your insurer is unlikely to cover these items if they weren’t with you in the cabin. This is clearly outlined in many travel insurance policies, but it’s still a common mistake. Always pack anything you can’t afford to lose, or can’t replace easily, in your carry-on.”

7. Taking a day trip to a non-covered country

“This one catches people out all the time,” says Niraj. “You might have cover for Europe, but if you take a bus from Croatia to a neighbouring country, such as Montenegro, your insurance can become void the moment you step over the border.

“Even if you’re only gone for a few hours, if something happens, you could be completely uncovered. It’s vital to check which countries are listed and whether regional trips are included.”



Source link

Tips & Advices

Travel alert: Landmines, theft, violence concerns at these 2 Southeast Asian countries

Published

on


Federal authorities are warning Americans that traveling to two Southeast Asian countries can be dangerous and they should be extra cautious if visiting. They also advise against traveling to the countries’ border altogether.

The U.S. Department of State advisory level for Thailand and Cambodia were increased Friday to a Level 2, “exercise increased caution.”

The travel advisories were raised due to unrest in Thailand and concerns for crime and landmines in Cambodia, according to the advisories.

The U.S. government also issued a Level 4 “do not travel” advisory, advising against traveling within about 30 miles of the Thai and Cambodian border due to fighting between the countries’ military forces that started in May.

“There are reports of fighting, including rocket and artillery fire, between Cambodian and Thai forces along the border. Armed conflict has led to reports of civilian casualties,” the advisors read. “There is a collateral risk of violence, and U.S. citizens are advised to avoid all but essential travel to within 50km of these border areas until further notice. The U.S. government has limited ability to provide emergency services to U.S. citizens in these provinces due to the ongoing risk of armed conflict.”

The caution regarding travel to Thailand is “due to civil unrest associated with ongoing insurgent activities in the Yala, Pattani, and Narathiwat provinces,” that advisory said.

There is occasional violence between Thai security services and armed insurgents in those three southernmost provinces, the advisory explained, and 17 districts in that region are under a state of emergency due to the violence. Visitors risk getting caught up in the fighting and U.S. officials can’t guarantee they’d be able to help, the advisory warned.

The issue in Cambodia is different. That country’s capital city, Phnom Penh, is dealing with street crime, with many travelers losing their phone and bags to thieves, that advisory said. Sexual assault and murder are also concerns.

Landmines and unexploded ordnances are the concern in the provinces of Battambang, Banteay Meanchey, Pursat, Siem Reap, Pailin, and Kampong Thom, the advisory said, particularly in forested areas and dry rice paddies.

If you decide to travel to Cambodia or Thailand, the U.S. Department of State advises:

  • “Do not physically resist any robbery attempt.
  • Have evacuation plans that do not rely on U.S. government assistance.
  • Enroll in the Smart Traveler Enrollment Program (STEP) to get important updates and alerts from the U.S. embassy or consulate.  Enrolling helps the U.S. embassy or consulate contact you or your emergency contact in an emergency. 
  • Review the Country Security Report for Cambodia and Thailand.
  • Prepare a contingency plan for emergency situations. Review the Traveler’s Checklist.
  • Visit the CDC page for the latest Travel Health Information related to your travel.
  • The government highly recommends you buy insurance before you travel. Check with your travel insurance provider about evacuation assistance, medical insurance, and trip cancellation coverage.”

If you purchase a product or register for an account through a link on our site, we may receive compensation. By using this site, you consent to our User Agreement and agree that your clicks, interactions, and personal information may be collected, recorded, and/or stored by us and social media and other third-party partners in accordance with our Privacy Policy.



Source link

Continue Reading

Tips & Advices

Allianz Life says ‘majority’ of customers’ personal data stolen in cyberattack

Published

on


The New York headquarters of German Allianz insurance company on Sunday, November 23, 2014. Allianz plans to sue Volkswagen over its drop in share price resulting from the Volkswagen emissions scandal. ( Richard B. Levine) (Photo by Richard Levine/Corbis via Getty Images) | Image Credits:Richard Levine/Corbis / Getty Images (Image has been modified)

U.S. insurance giant Allianz Life has confirmed to TechCrunch that hackers stole the personal information of the “majority” of its customers, financial professionals, and employees during a mid-July data breach.

When reached by TechCrunch, Allianz Life spokesperson Brett Weinberg confirmed the breach.

“On July 16, 2025, a malicious threat actor gained access to a third-party, cloud-based CRM system used by Allianz Life,” referring to a customer relationship management (CRM) database containing information on its customers. “The threat actor was able to obtain personally identifiable data related to the majority of Allianz Life’s customers, financial professionals, and select Allianz Life employees, using a social engineering technique,” the spokesperson said.

The company disclosed the data breach on Saturday in a legally required filing with Maine’s attorney general, but did not immediately provide a number of how many Allianz Life customers are affected. According to the spokesperson, Allianz Life has 1.4 million customers. Its parent company, Allianz, has more than 125 million customers worldwide.

Allianz Life said it notified the FBI, and added it had “no evidence” that any other systems on its network were compromised.

The insurance giant would not say if it had received any communication from the hackers, such as a ransom note. The company also would not attribute the breach to a hacking group.

Allianz Life is the latest company in the past month to have been hacked during a wave of data breaches targeting the wider insurance industry, including Aflac, a major provider of supplementary health insurance. Security researchers at Google said in June that they were “aware of multiple intrusions” across the insurance sector attributed to Scattered Spider, a collective of hackers and techniques that rely on social engineering techniques, such as deceptively calling and tricking helpdesks into granting them access to a company’s network.

Prior to targeting insurance companies, the Scattered Spider hackers were seen targeting the U.K. retail industry, as well as the aviation and transportation sectors, and are historically known for hacks targeting Silicon Valley technology giants.

Per the Maine filing, Allianz plans to begin notifying affected individuals around August 1.

Do you know more about the Allianz Life cyberattack? Are you an affected customer or employee? Securely contact this reporter via encrypted message at zackwhittaker.1337 on Signal.



Source link

Continue Reading

Tips & Advices

Venus Williams and her health insurance: 4 things to know : Shots

Published

on


Venus Williams returns a shot against Magdalena Frech on day 4 of the Mubadala Citi DC Open. Williams, 45, said she’s been on COBRA health insurance.

Scott Taetsch/Getty Images


hide caption

toggle caption

Scott Taetsch/Getty Images

What drove Venus Williams to the court at the Mubadala Citi DC Open this week after a year-long break from competition?

“I had to come back for the insurance,” she quipped in an on-court interview after winning her first-round match on Tuesday. “I was like, ‘I got to get my benefits on!’ Started training.”

The crowd at the stadium in D.C. laughed knowingly. “You guys know what it’s like!” she said.

Venus Williams made the remarks about health insurance after winning her first round match on Tuesday.

YouTube

Even if you’re not a seven-time grand slam champion who just became the oldest player to win a pro women’s singles match in decades, you probably know the job-health insurance juggle that Williams was talking about.

Here are four ways U.S. health insurance can be challenging for Williams and many other Americans.

1. Her job is a little off and on.

In the U.S., most working-age people get their health insurance through work. Their employer gives them a few plan options and then pays a healthy chunk of the premium cost, with the rest deducted from employees’ paychecks.

When someone leaves a regular job maybe to start a business or take a break, there goes that health insurance deal. That’s essentially what happened to Williams — she took a break from competition and lost access to her regular benefits.

The health insurance Venus Williams got through the Women’s Tennis Association was a “best-in-class global medical, dental and vision insurance plan,” WTA wrote in a statement to NPR. In order to be eligible, players have to have a certain ranking and play a certain number of events in the previous year, according to the statement, and coverage lasts for the full calendar year.

“They informed me earlier this year I’m on COBRA,” Williams explained on the court Tuesday. COBRA is a law that allows you to keep your job-based insurance plan after your job ends, but you have to pay for the whole premium yourself.

“With COBRA, you may have a very good plan, but your health care costs are going to go up,” explains Miranda Yaver, health policy professor at the University of Pittsburgh. It’s notoriously expensive, often $500 per month or more. COBRA to cover a whole family’s insurance premium can easily rival a mortgage payment.

Venus Williams is a multi-millionaire, so the premium cost might not matter to her in the same way it does to the average person, especially if it allows her to keep that “best-in-class” plan she’s used to.

2. She has health care needs.

“Let me tell you, I’m always at the doctor, so I need this insurance,” Williams said in her courtside interview.

Williams recently explained she had surgery for uterine fibroids that had gone undertreated for years, she said. She also was diagnosed with an auto-immune condition called Sjogren’s syndrome in 2011.

She’s also an elite athlete. “Someone in her position might need physical therapy, sports, medicine, specialized care, and to be able to get that anywhere in the world,” says Cynthia Cox, a vice president at the health research organization KFF.

Plus, Williams is now 45 years old. Health insurance costs generally increase with age, as do health problems.

All of that could make finding a health plan that works for her more complicated than for most people.

3. She has way more options than she used to.

Before the Affordable Care Act, Venus Williams would have really been in a tough spot.

Professional athletes were included on a list of “Ineligible Occupations” — jobs that health insurance companies deemed too risky to provide coverage for — along with loggers, miners and taxi cab drivers.

Also back then, “even a wealthy person might have had preexisting conditions that could have made them uninsurable no matter how much money they were willing to pay for their premium,” Cox says.

That contributed to “job lock” — where people were stuck in their jobs no matter what because they needed the health insurance.

Now, if Williams really didn’t want to compete anymore and ran out of her 18-months of COBRA coverage, she could go to Healthcare.gov and buy an Affordable Care Act plan.

4. Only in the U.S., jobs and health insurance are deeply linked.

There’s no escaping the fact that in America, health insurance is connected to employment. “The dominant insurance model in the United States is employer-sponsored insurance,” Yaver says. (The story of how that came to be is related to the post-World War II economy when health insurance was a “fringe benefit,” to attract employees in a tight labor market.) Yaver adds that for workers who get insurance from their jobs, it’s often “a good deal.”

Since Congress passed the One Big Beautiful Bill Act, the public insurance plan for low-income people, Medicaid, will soon be tied to work, too. Beneficiaries will have to periodically prove they’re working a certain number of hours per month to be able to keep their health benefits. That requirement will affect mostly middle-aged, low-income women, according to a recent analysis.

For Venus Williams, the off-and-on nature of her job that comes with a high risk of injuries makes employer-based health insurance especially hard. In a way, the tennis hall-of-famer is dealing with a very special version of “job lock.”

Her fans can celebrate, though. Even if it’s for the health insurance, they get to see her on the court again; she’s playing a tournament next month in Cincinnati.



Source link

Continue Reading

Trending

Copyright © 2025 AISTORIZ. For enquiries email at prompt@travelstoriz.com