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  Topic Review (Newest First)
27-10-2019 16:40
jiwawa Having a chat with Al n Daph the other night they said they were on the ferry from Santander on 4th. I said, but I'm on the last ferry of the season on 3rd! Had them worried a bit till we realised I'm on the Cork ferry, they're on the Portsmouth one!
26-10-2019 12:27
aldra We do have medical cover, or did

At the moment getting enough time to leave the country isn’t happening

With alberts tests and me on fortnightly hospital blood tests

The problem is for many with health issues is the huge cost of insurance + the over 75 premium

We’ve just cancelled Shadows insurance, it went to £125 a month for £2000 pounds cover and we’ve been with them since he was a pup, , he’s an old dog now, so it’s not only the travel insurance that rips off the elderly!!

Actually Santander ferry’s are really good if you miss the ferry, my son and family turned up a day too late....idiots .. and when we phoned they were excellent , found them a new ferry time and it cost them about £30 extra

I was well impressed with their helpful concern to get them on the next available sailing

And of course I meant the main insured driver ,not the additional one (s)

Sandra
25-10-2019 17:20
Mrplodd
Quote:
Originally Posted by peribro View Post
But doesn't the same issue arise if I'm in Scotland or NI or Wales? And I'm nearer to many EU countries than I am to a lot of the UK.
You are clearly convinced there is no need to have holiday insurance of any kind. That’s fine and you are entitled to that view.

I have merely tried to show that there is a lot more to the subject than just relying on an EHIC card so that others can compare viewpoints.

If you are in the UK then there is no language barrier and no repatriation issue, plus of course you would have NHS healthcare.

Just as a word of caution, don’t forget that the Channel Isles are NOT in the EU so an EHIC card is useless there, you need some other form of health insurance. Many have discovered that the hard (and expensive) way.

Andy
25-10-2019 17:04
peribro
Quote:
Originally Posted by Mrplodd View Post
The only drawback with that attitude is what would you do if, say, whilst away in your MH you broke your leg and could no longer drive? You MAY have another driver with you, but what if they are a non driver or don’t have a licence for that class of vehicle (over 70, in excess of 3500kg)
But doesn't the same issue arise if I'm in Scotland or NI or Wales? And I'm nearer to many EU countries than I am to a lot of the UK.
25-10-2019 16:40
Mrplodd
Quote:
Originally Posted by aldra View Post
I thought our van insurance would cover us in the event of the insured driver being unable to drive ?

Sandra
That’s certainly not (to the best of my knowledge) a standard feature on any vehicle insurance UNLESS you have paid an additional premium for it. No insurance company is going to offer that sort of cover without knowing who might be driving and their driving history. That’s why you have to specify any additional drivers you want covered. You certainly need to check on that.

Your relative could well be able to fly out and “collect” you. But airline tickets can be notoriously expensive at short notice. Far better to let an insurance company worry about it all because IF you are in need of that facility you are going to be stressed enough anyway WITHOUT having to sort out anything else.

Me? I pay for holiday cover that includes medical expenses and, if necessary repatriation etc.

Another point to consider is what if you are, say in Spain and for whatever reason you miss your return ferry crossing? If it’s an agreed cause then your insurer will reimburse you the cost of the extra sailing. If it’s Santander to U.K. that’s a fair few quid to shell out and you can be certain they will hammer you for costs at short notice.

These things need VERY careful consideration rather than just thinking “My EHIC will cover me” because for a lot of things it won’t!

Andy
25-10-2019 14:47
aldra I thought our van insurance would cover us in the event of the insured driver being unable to drive ?

I need to check that

One of the reasons I have never been named on the insurance cover is that I wouldn’t want to drive the van in that scenario

Now being over seventy, and the van 3850 I wouldn’t have the right licence to drive it anyway

Our eldest son is on the insurance and could, being self employed , fly out in emergency ,to drive it home if necessary

Sandra
25-10-2019 12:12
Mrplodd
Quote:
Originally Posted by peribro View Post
I can see no need for private medical insurance when travelling in EHIC covered countries - or Scotland, Wales and Northern Ireland.
The only drawback with that attitude is what would you do if, say, whilst away in your MH you broke your leg and could no longer drive? You MAY have another driver with you, but what if they are a non driver or don’t have a licence for that class of vehicle (over 70, in excess of 3500kg)

Having had some experience of having to get a family member repatriated from Portugal many years ago, and the HUGE cost (all covered by the holiday insurance) there is NO way I would leave the UK without proper holiday type insurance.

For info the cost of getting an air ambulance to fly my sister back to the UK would, without any doubt, have bankrupted me as it was MORE than the value of my house! So think VERY carefully of the possible consequences of not having proper insurance. It’s a bit like house insurance, it’s an expense we all begrudge BUT just look at those on the TV a while back who were flooded out “We don’t have any insurance” was often heard being bleated. I bet they wished they hadn’t tried saving a few quid on house insurance then don’t you. Plain madness IMHO, same with holiday insurance. As a percentage of what we spend it’s minimal.

Andy
24-10-2019 23:58
jiwawa Woohoo Ray, don't spend it all in the one shop! Or even at the one boot sale!
24-10-2019 17:13
raynipper Finally after 20 months I actually get a deposit into my bank of £41.66 for dental treatment in Portugal costing €70.00 Feb.2018.
It obviously pays to keep at em.

Ray.
25-10-2018 14:35
raynipper We as French residents and holders of Carte Vitale gives us 70% refund on most medical costs but as I said there are always the odd differences.
Dental and Optical reimbursements can be as low as 10% or 20%. Not sure how they work it our but again the French usually pay for a top up insurance that can cover these extra costs.

Ray.
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