Travel insurance - what can you claim compensation for?

The summer holidays are over for now. People have been travelling far and wide. Most people come back with good summer memories, while others have been unlucky. If you have damaged your suitcase, fallen ill or suffered a personal injury, you may have a claim under your travel insurance. In the following, we will provide some suggestions.

Read the terms and conditions carefully

Travel insurance often covers material damage, personal injury and illness incurred while travelling. We recommend that anyone who has been unfortunate enough to travel should read the insurance terms and conditions carefully. In addition, the Insurance Contracts Act will provide guidance. This will often provide answers to what falls within and outside the insurance cover. In addition, it often states how much you are covered for, deductibles, etc.

Report the incident or insured event quickly

It is very important to report claims promptly, or «within a reasonable time» as it is often written. All claims must normally be reported no later than one year before the incident occurred. We therefore urge you to do this quickly, so you don't miss out on anything. If you do not have a complete overview, you can later submit additions to the claim, documentation, etc.

Document your claim

Travel insurance covers damage to material objects. This could be suitcases that have been treated too roughly, phones that have ended up in the water, wallets that have been stolen. It's important to have good documentation of what has been damaged or lost. In addition, it is important to be careful to estimate the value of the items.

Personal injury and illness

Travel insurance policies often cover illness that has occurred while travelling or personal injury. This can be in connection with accidents, but also road accidents, occupational injuries, etc. Additional expenses associated with illness or injury are often covered within a specified limit. In addition, a personal injury or illness may result in permanent medical disability. In such cases, you may be entitled to payments of disability compensation.

More insurance?

Finally, a couple of important points regarding personal injury. If you have several travel and/or accident insurance policies, you will be able to claim compensation from all the coverages. In addition to this, in the event of traffic accidents, occupational injuries, etc. you will also be entitled to compensation during the liability proceedings for your financial loss.