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UK Consumers Should Read Small Prints

Most of us have probably got quite a few insurance policies for all sorts of different things.

According to a Gocompare.com study, 56 per cent of adults skip details when buying items such as travel insurance, electrical items and mobile phones, therefore Britons pay million of pounds every year. As a result of failing the small prints, Britain is losing out on £130 million a year.

"It's certainly important to read the small print when purchasing goods, especially for something like insurance where an oversight can leave you in a very difficult and stressful situation should things go wrong," said Hayley Parsons, Gocompare.com’s Managing Director.

When you book your flight or cruise or a package holiday, the travel agent invariably offers you travel insurance.

How many people actually bother to read the small print? Not many!

As always, you should read the small print.

What is the accident cover?

What is the medical cover?

Does it include emergency transportation back to your country in case you need specific, emergency treatment?

What is the cover for valuables and cash?

What is the third party/public liability cover?

What important exclusions are provided - that means you can't claim under those circumstances?

What is the excess limit? You pay for the initial amount specified.

Does the travel insurance company provide emergency telephone support?

What are the claim procedures - do you need to make a claim within a specified time?

Such questions may seem unimportant.

The big problem arises when you need to make a claim on your insurance policy - and you find out at that stage that you are either not covered or that you are inadequately covered.

Insurance can be a frustrating business if you aren't aware of some basic issues. You should read the small print carefully when booking your policy and ask for clarification if you need it.

All insurance policies contain a list of circumstance where the policy would be invalid known as exclusions. You should make sure you read the small print carefully; does the policy actually offer the cover you want?

According to a new report from MPs, there should be tougher rules on travel insurance policy, as exclusions are often hidden in the small print.

Each year the insurance policy will need to be renewed. Before doing so you should make sure that the policy still meets your needs by reading the small print again.

About the Author

travel insurance

Acer Travel-Mate 5730 finger print scanner?

My aunt and and kids gave me their laptop to try and fix. No one knows who used the finger print scanner and now we have it going with no finger. Not only that but I'm not sure how they did this part but now when you turn out the laptop the Acer flash screen comes on and asks to swipe finger do that wrong three times and goes to black screen and asks to "Enter Password" NO ONE knows the password either. So I hit enter three times and its comes up "System Disabled [07535]" I opened the laptop switched hard drives same thing, and I've been looking for a jumper and or the CMOS battery but I don't know, I downloaded the manual and can't seem to find anything use full yet either. Any Ideas and or info would be useful and greatly appreciated. I'm at a complete lose. It doesn't get to boot up so I can press CLRT + ALT + DELETE either. Is their away to pass the passwords and print to get to the BIOS or something?

Let me give you a little scenario.

Say you had that laptop brand new, and you set up the fingerprint scanner AND the password yourself. Then, say someone stole the laptop. Do you really think it should be easy to clear the password and fingerprint from the system? Do you think it should be some jumper or battery removal that just makes all that security go away? I mean, that would enable the thief to just get into your stuff as if there was no security at all. Right? Think about it.

Now, here is where it gets difficult. Acer isn't going to help anyone other than the registered user. Only the registered user can transfer ownership as far as Acer is concerned. So, you have to either get the registered owner to transfer ownership to YOU and then send it to Acer to have the BIOS cleared, or you have to send ot back to Acer under the name and address it was registered under.

Sorry. You are up against the security that is in place specifically to defeat what you want to do.

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Online versus the travel agent
Chris Vedelago reports on travel insurance and industry claims of costly commissions.

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