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The United Kingdom (UK) is a treasure trove of rich history, captivating culture, and breathtaking natural beauty. Whether you enjoy bustling city streets or quiet rural settings, this place has it all! While travel is exciting, it's also important to protect your finances from unexpected events while on your trip. That's why in this article, we have highlighted the importance of obtaining travel insurance for the UK from India.
Buying travel insurance to UK from India is crucial for the following reasons.
Monetary protection: On a trip, you may experience unfavourable events. Examples include flight delays/cancellations, medical emergencies, and theft. Purchasing travel insurance will protect you from the financial strain such mishaps might cause.
Emergency assistance: If you have a medical emergency while travelling, you may need quick medical assistance. In such cases, UK travel insurance from India will provide financial assistance.
Stress-free travel: You may be travelling abroad for work or pleasure. In any case, the last thing you want to happen while travelling is to be in a difficult financial situation. By getting travel insurance, you can travel without worrying about your finances.
Here is a table that lists the key features of a UK travel insurance policy. For precise details, do check the applicable policy wordings.
UK travel insurance benefits
Flight delay/cancellation cover
In the event that your flight is postponed or cancelled, your travel insurance will provide compensation.
Baggage delay/loss cover
If your luggage is misplaced or delayed during a flight, this policy will provide coverage.
Loss of passport cover
A lost passport's replacement costs are covered by the policy.
Loss of travel fund cover
If included, you can make a claim for financial assistance in the event that your travel funds are lost or stolen.
Medical emergency cover
Your medical expenses while travelling will be covered by this feature.
COVID-19 quarantine cover
If this feature is present, you can claim compensation for travel delay or cancellation due to COVID-19-related quarantines.
Adventure sports cover
If this clause is included in your policy, adventure sports-related accidents will be covered for medical expenses.
Hospitalisation and daycare costs resulting from accidents are covered under this.
Trip rescheduling/cancellation cover
If your trip is postponed because of an incident covered by the policy, you will be compensated as per the policy’s terms.
In this section, we will go over some of the benefits of obtaining travel insurance form India to UK.
You can buy travel insurance online and submit claims without having to deal with laborious paperwork.
You can usually customise international travel insurance for UK according to your needs. Depending on the type of policy, you may be able to change the length of your trip, passenger count, and other details.
If you lose your baggage or encounter a flight delay/cancellation, UK travel insurance will cover you. Depending on the type of policy, it may also cover other things like baggage delays and flight hijacking.
If you misplace your passport or other crucial papers while travelling to the UK, the cost of replacing such documents will be covered by your travel insurance for the UK.
The most important thing when travelling is enjoying yourself. Having financial protection against unforeseen events can help you do that.
What is covered?
What is not covered?
The following are some of the coverages you can expect from typical UK travel insurance from India.
Cancellation and rescheduling of travel
Having coverage for cancellations or rescheduling will help you protect your travel investment. However, this coverage will provide financial protection only for scenarios specified in the policy terms.
Expenses for medical care
In the UK, medical expenses are generally high. That is why it is a wise choice to get medical travel insurance for UK. This will ensure that in case you need medical treatment, you will be financially covered and won't have to worry about the cost.
Injuries related to adventure sports
It's advisable to have a travel insurance policy covering adventure sports if you're planning to participate in adventure sports during your trip to the UK. This way, if you sustain an injury, your insurance company can help cover the cost of treatment.
Being hospitalised in a foreign country can result in feelings of loneliness along with several other related operational challenges. In such a scenario, having a close family member for comfort and support can be crucial. To fulfil this need, a UK travel insurance policy can cover the costs of bringing someone from India to your location.
Death and repatriation
In the event of the insured's death during the trip, the insurance company will bear the related expenses. These can include costs for cremation, a post-mortem examination, and the transportation of the deceased individual's body.
Loss and delay of luggage
The airline may have misplaced or delayed your luggage after you checked it in. As per the terms of your policy, you can, in such cases, seek compensation for any monetary losses that result.
A travel insurance policy for the UK generally offers financial protection against third-party liabilities. This includes protection against causing accidental injury or death to someone else in the UK.
Trip cancellation due to COVID-19
A UK travel insurance policy provides monetary compensation in the case of trip cancellation caused by COVID-19-related issues. Coverage generally includes expenses such as rescheduling travel and extending stay for quarantine purposes.
Losing your passport during international travel can result in legal issues. To prevent such consequences, it's important to have a duplicate passport. A travel insurance policy from India to the UK will cover the cost of obtaining a replacement.
Here are some pointers you can use to find and purchase the best travel insurance for the UK from India online.
Learn the claim procedure
Ensure you understand the claim procedure by clarifying it with the insurer before purchasing a travel policy for the UK. This will give you a clearer understanding of how to file a claim and help you make a more informed decision.
Customise the coverage provided by UK travel insurance to meet your individual needs. This will guarantee the coverage you need and save you money on unnecessary financial protection.
Choose a reasonable sum insured
The sum insured is the maximum amount you can claim under a travel policy. So, while choosing this, think about how much coverage you'll need on your trip. By doing so, you can prevent running out of money in a foreign nation.
Before beginning your trip to the UK, there are a few fun facts you should know! The UK is made up of four countries: England, Scotland, Wales, and Northern Ireland. The currency used is the Pound Sterling. London is the capital city and is home to famous landmarks such as Buckingham Palace, Big Ben (now called the Elizabeth Tower), and the London Eye. The UK is also known for its love of tea, fish and chips, and pub culture. While you're there, be sure to check out the neighbourhood pubs and sample some traditional cuisine.
Here are a few things you absolutely must do while visiting the UK.
Visit Buckingham Palace and witness the Changing of the Guard ceremony.
Explore the historic city of Bath and its famous Roman Baths.
Take a walk on the wild side in the Lake District and admire its stunning landscapes.
Marvel at the Gothic architecture of Westminster Abbey in London.
Try traditional fish and chips by the seaside in Brighton.
Climb to the top of St Paul's Cathedral for breathtaking views of London.
Visit the birthplace of William Shakespeare in Stratford-upon-Avon.
Take a tour of the Houses of Parliament and Big Ben (now known as the Elizabeth Tower).
Explore the mysterious Stonehenge in Wiltshire.
Taste authentic Scottish whiskey in Edinburgh, the capital of Scotland.
The following are the visa types available for Indians visiting the UK.
In case of an emergency, you can get in touch with the Indian Embassy in the UK. The embassy's contact information is provided below.
High Commission of India, London, United Kingdom
India House, Aldwych, London, WC2B 4NA
00-44 (0) 20-78369147
Monday to Friday from 10 a.m. to 5.30 p.m.
Here is a list of a few of the UK's international airports along with their locations.
Birmingham International Airport
Bournemouth International Airport
East Midlands Airport
Liverpool John Lennon Airport
London City Airport
London Gatwick Airport
London Heathrow Airport
London Stansted Airport
Newquay Cornwall Airport
Norwich International Airport
Ringway International Airport
The following are some of the documents you require while travelling to the UK.
UK visa application form
Proof of accommodation
UK visa invitation letter (if applicable)
You need travel insurance when travelling to the UK to financially protect yourself in the following situations.
Medical costs from illnesses, accidents, and other emergencies
Trip cancellation or delay
Stolen or misplaced luggage
Loss of passport or other travel documents
Anyone travelling to the UK should consider getting travel insurance. This is recommended regardless of the length of your trip.
The cost of travel insurance for a trip to the UK will depend on factors such as your age, medical history, length of the trip, etc. Depending on the degree of coverage, a policy may cost a few hundred to a few thousand rupees.
No, travel insurance is not mandatory for UK. However, given its benefits, it is a crucial consideration for travellers.
If you get sick or injured while travelling in the UK, your travel insurance can cover the cost of medical treatment. Depending on the policy you have, you can either receive cashless hospitalisation or pay upfront and claim reimbursement.
If your trip to the UK gets cancelled or postponed due to unforeseen circumstances, your travel insurance can cover the cost of cancellations and changes. Please be aware, though, that the compensation is subject to the policy limit.
To make a claim on your travel insurance, you'll need to follow the instructions provided by your insurance company. You may need to provide medical certificates, receipts, and other documents to support your claim.
Yes, you can purchase travel insurance after you have already started your trip. However, it's best to purchase it before you leave.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions.