Beware online bargains!

The internet is awash with many travel Insurance companies offering their services. Travel Insurance can be quite complicated with many different cover sections and lots of small print. That online deal of £10 for a week's cover might prove to be useless when you try to claim for your stolen £400 iPhone or you discover that it doesn't provide any cover for your pre-existing medical conditions.  At P J McIlroy & Son we will tailor each quote specific to your circumstances and give you peace of mind when you are on your holiday.

Comprehensive travel Insurance options

Before you even think about booking your holiday don't forget to check out your travel Insurance options. At P J McIlroy & Son we can arrange comprehensive covers for almost every conceivable holiday scenario:

• Single trips and annual policies
• Single traveller, couples, families or group covers
• European and Worldwide
• Adventure Holidays
• Business Trips
• Winter Sports
• Coach trips
• Cruises
• Long Stay and Backpacker
• Pre-existing medical conditions
• Working holidays

Many policies will exclude "risky activities", such as scuba diving, jet skiing or mountain climbing. At P J McIlroy & Son we can arrange cover for many unusual activities such as cave diving, ice climbing and white water rafting. We will discuss your exact holiday plans and explain the various Insurance options that will be available to you. We will do our best to make sure that if you are unfortunate enough to suffer some misfortune on holiday that you will have the appropriate cover in place to deal with the matter.

Important Information for customers with pre-existing medical conditions

We are obliged to inform you of how to improve your access to travel insurance policies that includes cover for more serious medical conditions.

The following factors would determine when this information is relevant to you:

• You have not been offered, or we/the insurer, have declined a quotation wholly or partly due to a medical condition
• Your policy has been cancelled, wholly or partly, due to a medical condition
• You have been offered a policy with a medical condition exclusion, which cannot be removed from the policy
• You have been offered a policy with a medical condition premium of £100 or more
• You have been offered a policy in respect of which the medical condition premium is not known.

We would like to provide you with details of a ‘Medical Cover Firm Directory’, which is a publicly available directory that only lists firms that provide or arrange travel insurance policies that cover more serious medical conditions. The directory will also show you enough information about each firm listed, so you can make an informed initial choice about which provider might meet your needs.

Some of the advantages of using the directory are it makes it easier for you to navigate the available market and it makes it more likely that you will find a firm who:

• Is willing to offer cover for your condition
• Is willing to offer cover for your condition without specific exclusions
• Is willing to offer cover for your condition at a more affordable price.

The Money Helper website has a travel insurance directory which can be accessed here. 

Consumer enquires about the directory can be made to the Money Advice Service’s Customer Contact Centre, which is available Monday to Friday, 8am to 6pm using the details below:

Telephone – 0800 138 7777
Email – enquiries@maps.org.uk
Address – The Money Advice Service, Holborn Centre, 120 Holborn, London, EC1N 2TD