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Travel Insurance

Friday, August 3rd, 2018

Your holiday may have taken months to plan. Ensure your investment in minutes for non-refundable losses with a travel insurance policy.

What is Travel Insurance ?

Travel insurance can protect against the loss of non-refundable travel costs, such as airfare, hotel and tour expenses. Other types of travel insurance offers protection against losses due to medical emergencies, damage to personal property and even a death, which may occur away from home while on holiday.

Major types of travel insurance

Trip cancellation – Reimburses you for pre-paid travel expenses if you are not able to take your trip because you or a family member becomes ill or dies
Travel delay – Reimburses you for pre-paid expenses if you are not able to take your trip because of a travel delay, such as a flight delay or cancellation
Trip interruption – Reimburses you for pre-paid expenses if your trip is cut short because you, or a family member, become ill or die, or because of any other misfortune listed in the policy, such as bad weather, airline strikes, terrorism, bankruptcy or fire or flood damage to your home
Medical/Health – Reimburses you for medical and emergency dental expenses that you have because of an illness or injury while you are travelling
Medical evacuation – Provides emergency transport to take you either to a hospital in the geographic region where you are or for transport back to a hospital near your home
Accidental death –Covers death or dismemberment at any time during a trip
Luggage loss – Reimburses you for lost, stolen or damaged personal items, but usually does not cover personal items that may be lost or damaged by an airline—be sure to review the policy for the list of property that would not be covered
Hire car damage – Reimburses you for damage or loss to a rental vehicle

To learn more about travel insurance, contact Hensure on 01270 758056 today.

This article is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage.

1 in 4 UK Construction Workers Exposed to Asbestos

Thursday, May 3rd, 2018

Asbestos is a fibrous mineral that was commonly used in building materials for decades and is responsible for the deaths of 5,000 people each year, with 66 per cent of them having worked in construction, according to the HSE. What makes the mineral truly dangerous is that its effects can take years or even decades to become obvious, and by then, the damage can be nearly irreversible. Unfortunately, 23 per cent of UK construction workers say they have been exposed to asbestos, according to a survey from IOSH.

What’s more, the potential for exposure to asbestos is relatively great, as it can still be found in many buildings built before 2000. Even though it’s so prevalent, 18 per cent of construction workers said that if they found asbestos they wouldn’t know what to do.

Despite how common exposure to asbestos can be, construction workers often don’t take the proper precautions. In fact, 32 per cent of construction workers don’t check the asbestos register before they begin a job, and 15 per cent don’t even know what the register is. Even though exposure to asbestos seems inevitable, protection is relatively simple.

Check the asbestos register before carrying out any work. If there is no register or survey, or the report is not clear, don’t start work. Instead, have the property inspected for asbestos, or presume that any material you need to disturb contains asbestos and organise control methods to reduce exposure to the material.

Provide workers with asbestos health and safety training.

• Provide workers with personal protective equipment, such as disposable overalls type 5, single-use disposable gloves, laceless boots and respiratory protective equipment.

The content of this article is of general interest and is not intended to apply to specific circumstances. It does not purport to be a comprehensive analysis of all matters relevant to its subject matter. The content should not, therefore, be regarded as constituting legal advice and not be relied upon as such.


Copyright © Hensure | Hensure Business Insurance Consultants is a trading name of RK Henshall & Co Ltd. www.rkhenshall.com. RK Henshall & Co Ltd are authorised and regulated by the Financial Conduct Authority. Registration Number: 308865. www.fca.org.uk. Written quotations, policy terms, conditions and exclusions are available on request. Privacy policy, Cookie policy, Complaints Procedure
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