‘Insta-bragging’ Could Invalidate Your Insurance

Wanting to share photographs from your holiday on social media is perfectly reasonable. However, posting those updates could leave you vulnerable to risks, such as burglary or, in the future, could invalidate your contents insurance policy.

Experts warn that soon ‘Insta-bragging’, which involves posting photographs while on holiday, could invalidate your insurance by violating your policy’s ‘reasonable care’ clause. This clause usually applies to your responsibility to lock windows and doors, thus ensuring you’re taking reasonable care to deter burglars. However, in the future, this could apply to social media posts you make while on holiday.

Even though you may not think that posting a simple snapshot is risky, it could alert burglars that your home is empty and vulnerable. In fact, according to alarm and security systems provider, ADT, 78 per cent of burglars use Facebook and Twitter to target potential vulnerable properties. (more…)

5 Ways to Stay Safe in a Crowd

In light of recent UK terrorist attacks, it pays to be attentive while in a crowd. By being aware of your surroundings, you can stay safe at home and while abroad on holiday this summer. Here’s how to safely travel in a crowd:

  1. Be aware of the exits while in public or on public transport.
  2. Carry a charged mobile so you can get information on any developing incidents and can call for help if necessary.
  3. Have confidence in police and security forces. Make sure to follow their advice when danger arises.
  4. During an incident, immediately leave the scene as directed by authorities or in the opposite direction of the perceived threat. Find a safe location, and only move if you must find a more secure location.


Master The Holiday Recharge With These 4 Tips

Do you return from holiday restored, or ready for another?

“Ready for a holiday” is British speak for “tired/fed-up/keen to switch off/all three”. But there’s definitely a knack to ensuring that your well deserved break is just that, and you don’t return more tired and less ready to face the daily grind than before your departure.

Tip 1: Actually switch off
Many workers want to touch base with work to ensure they’re not hit with an unexpected, potentially stressful situation upon their return.

But stewing about something before you’re in a position to do anything about it is not going to help, and means you’ll likely be more drained and less able to deal with whatever the issue is upon your return.

You could even be catastrophising, blowing the supposed “disaster” out of all proportion, at the cost of your holiday happiness and relaxation.

Why stop at your phone? Switch off your mind to work as well, especially negative thoughts about work. (more…)

Prepare for Your Summer Holiday

Britons spend 30 hours preparing for a holiday, according to new research. Preparations generally begin five weeks before departure and include reading reviews, looking for holiday deals, talking to friends and pre-holiday shopping. With more information now available through the internet, consumers can more easily book a successful holiday by avoiding locations and experiences with negative reviews. (more…)

Follow These Simple Money-saving Tricks Every Time You Travel Abroad

Travelling abroad for work or holiday is already stressful without having to worry about money. While money may not be at the forefront of your mind while abroad, travelling can quickly become pricey. To avoid a nasty bill once you return home, here are some simple tricks to save money while travelling abroad:

1. Make sure to use a credit card for purchases. Under Section 75 of the Consumer Credit Act, consumers have extra rights for purchases between £100 and £30,000. If you use a debit card or cash, you are missing out on this protection.

Find the Best Travel Deal this Spring

The weakened pound has made it increasingly expensive to go on holiday. Yet, that should not stop you from setting out on an enjoyable trip. To ensure that your next holiday does not break the bank, consider the following tips:

  • Research, research and research. Prices for flights, hotels and hire cars can change from day to day. That is why it is a good idea to begin researching flights, hotels and hire cars in order to find the best deal. Generally, booking costs are the lowest on Tuesdays.
  • Take an indirect flight. By taking an indirect flight, you can save up to 50 per cent.
  • Avoid unnecessary frills. Skip the airport and in-flight frills—such as headphones, alcoholic beverages and in-flight entertainment—to save some money.
  • Travel overnight. You can save on the cost of a hotel for a night if you travel overnight.
  • Explore by foot. One of the best ways to experience any city is exploring the city by foot. In addition, seeing the city this way helps you save on bus, tube and taxi fares.
  • Keep the minibar closed. Generally, whatever spirits, liquors and refreshments that are stocked in the minibar are far more expensive than what the hotel bar would charge for the same drink.
  • Buy travel insurance. The unexpected could happen while you are on holiday—such as the airport losses your luggage, a family member has a medical emergency or inclement weather negatively impacts your travel plans—but with travel insurance, you can recoup some or all of those losses.


Declare Pre-existing Medical Conditions Or Risk Invalidating Travel Cover

More than 1 in 10 Britons with pre-existing medical conditions fail to declare their conditions to their insurers and risk invalidating their travel insurance policies, according to new insight from MoneySuperMarket.

The analysis found that nearly half of holidaymakers have pre-existing medical conditions they are required to declare to their travel insurance providers, but only 85 per cent of them actually comply. Of the remaining travellers, reasons for failing to disclose pre-existing conditions included the following:

  • Thirty-three per cent wanted a cheaper policy.
  • Twenty per cent said their insurers never asked them.
  • Forty-five per cent claimed their conditions had not caused any symptoms lately.
  • Twenty-nine per cent did not know they needed to inform their insurers.


Keep Your Home Safe While on Holiday

Giddy about your upcoming summer holiday? Whether you will be away for only a few days or for several weeks, do not forget to ensure that your home is safe and secure. An estimated 80 per cent of burglaries occur when no one is home, according to the National Police Chiefs’ Council. Do not risk remembering a holiday for all the wrong reasons—follow these six pieces of guidance to help you achieve peace of mind during your holiday by protecting your home:

  1. Set up automatic timers that turn on your lights, radios, televisions, etc, when it gets dark. If you do not have automatic timers, you can also ask a trusted friend to stop by at least once per day to check on the house.
  2. Verify that you have locked all your windows and doors, and use a metal rod or heavy wood dowel to block the tracks on sliding windows and glass doors.
  3. Cancel any newspaper or other regular deliveries. In addition, you may want to consider using the Royal Mail’s ‘Keepsafe’ service, which holds your mail for up to two months while you are away.
  4. Collect all of your extra keys that you may have hidden outside your home and store them somewhere safe inside. Alternatively, you may want to leave a spare key with a trusted friend.
  5. Contact your security system company to notify them that you will be gone, and provide them with contact information if they need to reach you. In addition, if your security system has video streaming, make sure that it is working properly before you leave.
  6. Avoid discussing your holiday plans on social media—such as Twitter and Facebook—as burglars could use this information to their advantage.


Avoid These 7 Common Travel Scams

Summer is getting closer—as you think about planning your next holiday, make sure that you can protect yourself against these seven common travel scams:
1. Distraction theft: Remain aware of your surroundings, regardless of how crowded the area may be, especially when interacting with other people. Thieves may try to distract you—even just by asking for directions—in order to rob you.

2. False petitions: Be cautious of anyone who asks you to sign a petition for a charity or organisation—even if it is well-known—as they could then use strong-arm tactics to force you to provide a ‘donation’. (more…)

Using Your Mobile Whilst Driving

General Procedures

  • Use of mobile phones while driving is strictly prohibited – this includes all functions of the mobile phone including, but not limited to, phone calls, text messaging/SMS, email, MMS, Internet use, camera use, etc.
  • Use of electronic devices – including laptops, PDAs, cameras and pagers – while driving is strictly prohibited unless specifically outlined below
  • Voice-mail must handle all calls while driving, and calls may only be returned when stopped or pulled off the road
  • Passengers making or taking calls for the driver is permissible provided the interaction does not affect the driver’s performance
  • Regular callers must be informed that you will not be available while driving and should be notified of the best times to call based on driving schedule
  • Employees who receive calls from co-workers who are driving are obligated to ask that the co-worker call back at a more appropriate time