2. If you are a busy business traveller who takes more than two or three trips per
year, you should definitely consider taking out annual travel insurance. This
type of cover works out to be much more cost effective over several trips, and
one of the main benefits of getting annual travel insurance is the fact you
don't have to worry about taking out a new policy every time you need to
travel. Depending on the provider you use, yearly insurance plans can cover
up to 91 days of business related travel and will keep you covered both at
home and on international business trips - and even on those trips that mix
business with a bit of holiday fun on the side. Some of the benefits you can
get from being covered annually are the cost effectiveness of coverage, while
also taking care of car insurance, personal liability and injury or illness cover.
3. Cost effective coverage
Each time you book a business trip you need to be covered for any loss in
case something should happen to postpone any part of, or cancel, your trip;
this is not just for your own sake, but for the sake of the company you work
for. If you only go on one business trip per year, single trip insurance is
good enough, but if you are a frequent traveller, the upfront cost of annual
travel insurance works out to be much less over the course of the year than
buying insurance for individual journeys. Depending on which insurer you
use, the annual costs can be as low as £38.00; with that you get a lot of
coverage for your money.
4. Car insurance and personal liability
If you're going on a business trip and plan to rent a car to do so, your excess
can be covered under your annual travel insurance packages, depending on
the sort of coverage you purchase. This means that should you have an
accident or break down, you will be covered for any excess fees that may be
incurred. This may also cover the damage done to any other vehicles and/or
the fees for doctors or accident and emergency consultations as well.
Although we don't like to think about things like personal liability or cover for
things that may go wrong, this is truly one occasion when we should all say:
"better to be safe than sorry."
5. Injury and illness coverage
Getting ill on a business trip is not fun. It's even worse if you are not
properly covered and have to pay out of your own pocket for medical
care while away from home. One way to circumvent this is to get
appropriate annual travel insurance; it will cover this eventuality and
keep you safe should you fall ill or have an accident while away from
home.