Daily Archives:July 31, 2017

Do you need travel insurance for UK holidays?

31 Jul 17
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  • Holidaymakers take an average of £676 away with them in valuables on UK trips
  • Without insurance there is no cover for lost, stolen or damaged belongings
  • Policies can cover cancellations or delays but clauses may apply for UK trips
  • London, Cornwall and the Scottish Highlands are the most popular destinations

Half of those staying in the UK for their summer holidays this year do not have any insurance to cover their trip, new research has shown.

This is despite the average holidaymaker taking £676 in valuables away with them on their ‘staycation’.

But with a free national health service at the point of service, is it ever necessary to take out additional travel insurance when holidaying in your home country?

Without insurance holidaymakers have no cover for lost, stolen or damaged belongings

Without insurance holidaymakers have no cover for lost, stolen or damaged belongings

In a study of 2,500 Britons by the insurer Policy Expert, 75 per cent said they were taking a holiday in the UK this summer.

Half of those said they didn’t have any insurance to cover them – should something go wrong on the trip such as if their possessions are stolen or damaged.

Not only did they not have travel insurance, their home insurance would also not cover them for their belongings when they were taken out of the house.

Just 13 per cent of those asked said they would take out travel insurance for a staycation.

The research also said 8 per cent of Britons on a staycation had been a victim of loss, theft or damage with mobile phones, cameras, wallets and jewellery being the most common items stolen.

Travel insurance policies can cover cancellations or delays but clauses may apply for UK trips

Travel insurance policies can cover cancellations or delays but clauses may apply for UK trips

A quarter of those staying in the UK had chosen to do so because it was cheaper than going away while 42 per cent said it was an easier option and 53 per cent said they did so because they wanted to visit the British countryside or seaside.

Separate research from Direct Line showed that London was the most popular location for UK staycations last year, followed by Cornwall, the Scottish Highlands and the Lake District.

But if you’re going away in the UK, do you really need to buy insurance and if so what kind? 

Rebecca Hollingsworth, policy adviser for travel at the Association of British Insurers, said: ‘People may not be aware that a number of travel insurance policies offer cover for UK breaks. 

‘This means you could get your money back for pre-booked accommodation if your holiday has to be cancelled at short notice – for example because you fall seriously ill or suffer a bereavement. 

‘Policies may also provide cover if valuables such as cameras or laptops are lost or stolen, although it’s also worth checking whether this is already offered as part of your home insurance.’ 

If you have an annual travel insurance policy this should provide cover for any of your trips – whether they are in the UK or abroad.

Holidaymakers take an average of £676 away with them in valuables on UK trips

Holidaymakers take an average of £676 away with them in valuables on UK trips

The cover will be the same wherever you are in the world but the amount for medical cover in the UK is likely to be different – because you won’t have to pay for emergency medical treatment in the UK. 

Everything else, such as cancelling the trip, ending it early and emergency travel expenses should be included.

However, double check the policy because some insurers stipulate that you need to be a certain distance from your home for the insurance to be valid or the holiday needs to be a set number of days.

For example, Direct Line only covers UK trips if you had paid to stay in pre-booked accommodation for two or more consecutive nights, while LV says the trip must either be more than 25 miles from your home, have pre-booked accommodation or involve a sea crossing.

You may also be able to get some cover for your belongings with your existing home insurance. 

If you have contents insurance, this will cover all of your belongings when they are in your home from loss, damage or theft. Generally accidental damage is not included as standard so this may be something you need to pay extra for.

However, once these items are out of the house, they won’t be covered unless you also have ‘personal possessions’ cover. This typically costs around £20 per year and covers individual items up to the value of £1,500 to £2,000.

Although if you’re relying on your contents insurance remember this is only covering your belongings and won’t pay out if you need to cancel the holiday for any reason, cut it short or if you need emergency travel expenses.   

Courtesy: Daily Mail Online

Politics Briefing newsletter: BlackBerry’s reign in Ottawa Brings to a close

31 Jul 17
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Good morning,

If you are a government employee in the National Capital Region and you are reading this newsletter on a smartphone, there is a great likelihood that the smartphone you are scrolling through is a BlackBerry. Its grip on the industry is going to change although the technology firm has been the supplier of mobile devices to bureaucrats. The Planet That Shared Services Canada, the department responsible for overseeing IT for the national government, is set to give alternatives to bureaucrats during the next 18 months as part of “a new approach to cellular service to better serve its customers, use new technologies and adapt to changes in the market.” Its own line of smartphones and Samsung was the first to be accepted by Shared Services, but only after two decades and evaluations demonstrated that the phones of Samsung and requirements passed. For the technology giant, Canada will become the government to use the Samsung Knox safety program. However, you should be able to — nbsp if you would like to keep your BlackBerry;Shared Services stated until the department’s inventory of apparatus is emptied the smartphones will be accessible.

This is the daily Politics Briefing newsletter, written by in Toronto. If you are reading this on the internet or someone forwarded you this newsletter, you may register to get all Globe newsletters and Politics Briefing . Let us know .


Over the past month, the loonie has gone from 77 cents to the U.S. dollar to over 80. For the export industry of Canada, the loonie claims to. On the other hand, retailers and importers are currently benefiting from an increase.

Now that Alberta’s United Conservative Party comes with an interim leader, the race to become permanent leader of the unified celebration has started. The two frontrunners are Progressive Conservative leader Jason Kenney and Wildrose leader Brian Jean. The , where the two men worked for years, is that Mr. Kenney has got the upper hand. But he faces a tough slog against Mr. Jean, who might still come out ahead when the party votes in October.

And with former B.C. premier Christy Clark , questions remain over the B.C. Liberal Party’s future. Ms. Clark is set to vacate her seat in the legislature, providing the governing NDP-Green alliance a opportunity to extend their slender majority from one to 2 until a by-election is held. Current MLAs have stated they are A bid to run including a former mayor of Vancouver a minister and a writer.

On the market: “Our dollar is shooting higher, thanks in part to the Bank of Canada’s decision to increase the rates of interest for the first time in seven years — a move spurred by the healthy economy. Reduce export earnings and A dollar that is higher tends to depress exports, and the Bank of Canada has been counting to take some of the slack up from a downturn in housing. So, what is the state of the economy? The response, in the long run, depends upon which part of it you are referring to. And for the oil and gas industry particularly, these are still trying times.”

on Christy Clark: “Christy Clark has been a polarizing political figure. But she engendered loyalty. She’ll be remembered as a tough fighter, who was frequently calculating. She’ll return as the sixth-longest serving premier in the state, the first premier in the country. Her departure from politics was cluttered and unseemly, however, and sullied her heritage unnecessarily.”

On diversity and liberty: “It is wonderful that Canada’s population consists of a diverse mixture of individuals who mostly get together and that everyone is invited to take pride in their heritages. But missing in the discussion on diversity is the notion that many have come to Canada expecting to make a life based on their own decisions — rather than merely replicate each the cultural traditions that could have been likely had they remained in their countries of birth{}”


Protests turned deadly in Venezuela yesterday as a To rewrite the constitution was boycotted. At least 10 people died on Sunday, adding to the death toll of more than 100 people. The rallies were aimed at stopping Mr. Maduro from developing a super-assembly that would give him the ability to control future elections and to stifle the opposition-led Congress, effectively cementing authoritarian powers. Voter turnout yesterday was reduced, and polls show that the majority of Venezuelans are compared to changes.

Now is John Kelly’s first day as White House chief of staff, following a six-month tenure as U.S. President Donald Trump’s Secretary of Homeland Security. Gen. Kelly was a four-star general in the U.S. Marine Corps and had formerly controlled operations in Latin America, the Caribbean and Iraq. Before his role in cupboard, Gen. Kelly’s involvement in national affairs was limited. His predecessor Reince Priebus’ tenure ended on Friday, capping off a for Mr. Trump. Prominent Republicans are to correct a White House that is chaotic.

In comparison to former president Barack Obama, Mr. Trump is adored in Russia. A Pew Global Research Found that Israel and Russia were the only countries with a view of the president. However, what Russians think of Mr. Trump is now becoming a problem for Vladimir Putin, The Globe’s Mark MacKinnon . As one prominent opposition activist in Moscow puts it “For the Kremlin, it is now more difficult to define the enemy. With Obama, it was comfortable, and Hillary, too, would have given them a very simple enemy to blame for the ways of the world.”

After having a successful missile launch by North Korea on Friday, the U.S. and its allies in East Asia reacted with shows of force over the weekend. THAAD, the U.S. missile defence system, was In shooting down a missile. The U.S. military Flew two bombers in a workout which was joined by South Korean and jets on Sunday over the Korean Peninsula. On the diplomatic front, U.S. Ambassador to the United Nations Said the U.S. is “done speaking” and that China, South Korea and Japan should press forward because the situation “will need an international solution.”

And in case you missed it, Pakistani Prime Minister Nawaz Sharif was From power last week following a corruption case. What brought down him? Calibri. The Supreme Court of Pakistan found that the Calibri typeface was used by a document dated 2006, on February. The problem: Calibri was available until January.

On dictatorship in Venezuela: “Sunday’s election in Venezuela of a national constituent assembly doesn’t signify the very beginnings of Mr. Maduro’s dictatorship, but its final ascension. In fact, the activities of Mr. Maduro’s government in the last 12 months are archetypical of a dictatorship, not a democracy. After a government turns its own security forces against its owns citizens and breaks the system of checks and balances between branches of power that upholds democracy, all that follows is dictatorship.”

On the International Criminal Court: “Canada, which prides itself on its role in making the ICC, is a member of the G7 group, along with France, Germany and many others. These countries are currently developing a standard by touting the value of the court underfunding its work. This will backfire. It will send a message to dictators, such as Mr. al-Bashir, the tribunal’s strongest fans might be tempering their support{}”

Also on the Planet and Mail

Protests stone the crisis vote of Venezuela (Reuters)