With the widespread availability of cheap travel insurance, there is no good reason to risk travelling uninsured. There are plenty of accidents that can befall the unlucky traveller abroad, and if you have insurance, these accidents will likely be minor inconveniences - if you don't, they could turn into expensive disasters.

Almost two million travel insurance claims are made every year by people from the UK, ranging from refunds on cancelled flights to the payment of costly medical bills abroad. While a great variety of claims are made, some are much more common than others. Here are the five insurance claims that you are most likely to make while on holiday abroad...

1. Medical Costs

With almost a third of recorded claims involving medical bills, this is by far the most common travel insurance claim. It is also the most expensive, at an average of almost £500 per claim, with insurance in America, Canada and Europe being especially expensive. Medical bills abroad can range from a few hundred pounds for basic treatment and medication to tens of thousands of pounds for helicopter evacuation or emergency repatriation. With prices that high, it is well worth investing in some worldwide travel insurance to cover you wherever you go!

2. Lost Baggage

After the disaster at Heathrow's Terminal 5 on its opening day (where thousands of pieces of luggage were misplaced), people are now much more aware of the risk of lost baggage. It is a common problem for holiday goers; indeed, it is the second most common travel insurance claim. The loss of personal items can be a frustrating inconvenience, but your travel insurance will cover the cost of replacing your lost possessions.

3. Cancellation of Flights

Many people buy their insurance at the last minute, but the threat of cancellation is an important reason to book up your worldwide travel insurance as early as possible - this is the third most frequent travel insurance claim. Whether it is because you have to cancel the holiday yourself due to a family or personal emergency, or because the airline cancels the flight, having cover for this is essential - the average cost of cancellation is just under £400.

4. Travel Delay
If your journey is delayed it can lead to plenty of unforeseen costs, including last minute accommodation and paying for alternate transport, and it is fourth on the list of common travel insurance claims. Worldwide travel insurance can help to cover the costs associated, so next time you are sitting in an airport waiting for a delayed flight, at least you'll know that your insurance is there to ease the cost!

5. Lost or Stolen Money

Cash is all too easy to misplace while on holiday, and is also the main target for pickpockets, casual thieves and conmen. Unsurprisingly, it is the fifth most common travel insurance claim made by UK travellers. A worldwide travel insurance policy typically features cover for the loss of money, so that if your wallet is stolen or misplaced you'll have your cash replaced.

Related : 55 inch LCD TV Promotion Best Buy LCD Monitor Lowest Price DLP Projector

Being involved in an accident abroad can be very traumatic. Not only is there the usual potential for injury and stress connected with accidents, there is also the added disorientation of being in a foreign country, where there may be significant language and cultural barriers to overcome.

It is advisable, therefore, to be well prepared for the possibility of being in an accident when on holiday, and to understand your rights when it comes to making an accident claim in another country. Here are the top 5 tips for making an accident claim in a foreign country.

1. The laws may be different

Remember that accident claims abroad will be governed by the laws of the country you are in, and that there may not be the same provisions as you would expect in the UK. For example, the solicitor's fees may not be recoverable as they are with the no win no fee system here. However, there are a number of bodies in the UK which could help you.

2. There are UK organisations to support you

Despite the fact you will be subject to different laws abroad, there are regulatory bodies designed to help holiday accident victims make accident claims in the UK. For example, the 1992 Package Travel, Package Holiday and Package Tour Regulation helps people who were injured abroad make UK based accident claims.

3. There are special organisations for car accident claims

If you are injured in a car accident, there are also regulatory bodies which may help you. The 4th EU Motor Directive 2003, which helps drivers involved in car accidents on holiday make accident claims - the directive ensures that cars from all over Europe can be identified on the same database. And, if there is trouble identifying the foreign insurance company, the Motor Insurers Bureau provides a means to make an accident claim.

4. Certain people will have a duty of care towards you

While you are on holiday, there are a number of people who may be responsible for your personal health and safety at any one time. These people will range from hotel staff to holiday tour operators and potentially representatives from any other company you come into contact with on your holiday. If they fail in their duty of care towards you and you are injured as a result, you may be entitled to make a claim.

5. There are many potential risks

While you're on holiday, it's sometimes tempting to let go of inhibitions and do things which you wouldn't normally do but which could pose a risk to your health and safety, and there are therefore a large number of ways in which you might find yourself involved in an accident. Accident claims can arise from injuries on boats, planes, cars or at the seaside, for example. Some of the most common types of accident abroad are slips and trips on wet or uneven flooring, injuries on foreign transport or on a day trip, food poisoning, rental car accidents, watersports accidents and skiing accidents.

Tags : Nuvi 1390T GPS

I said and I'll say it again - working in insurance travel discounts you did hear some pretty bizarre policies and claims. But of course, is to have travel insurance only scratch the surface a lot, and indeed other areas of insurance, insurance companies even more strange - and sometimes it is society and not people with the decisions of strange!

Football Fever

During the last World Cup, passions ran high,foreign insurance and followed them. ran a Dutch insurance company SEZ policy offers companies in the Netherlands to protect against officers "pulling Sick" in the days around a big game for the national team. The company would be money for the first two days of illness, if an employee has been absent from work during the days around large parts of Holland.

But it was not just overseas, the fever has dominated the World Cup strange insurance policies. On theseBanks, Paul Hucker from Ipswich has taken well-thought £ 1,000,000 insurance against England at the beginning of the competition. British Insurance has offered £ 105 policy, which pay a sum of seven, when England was eliminated in the first round if 5 sports commentators thought the early exit, and when Mr. Hucker could be the medical evidence would have serious psychological trauma ! Eventually, Mr Hucker was disappointed - both with England and with the strangeInsurance after he went to Portugal in the quarterfinals.

Bizarre Car Insurance

Auto policy to bring their shares of the insurance scenarios too funny. For example, in Denmark, the Danish Automobile Association two systems to protect the driver of fines - speeding up insurance, the driver for a maximum of four crimes is expanded, with a total thickness of 900 pounds (90 pounds per year) or Insurance parking ticket, four tickets, or £ 182 worth coveringfines of £ 36 per year. Not surprisingly, the Danish Council for Traffic Safety less happy these foreign insurance, and believed, make them less daunting fines for any reason.

There are some heart warming scenarios behind the cynicism, if - in Belgium, a car insurance premium of one of its customers with a greatly reduced thanks to 80 years of accident free driving! 100 years Cyriel Delacauw still runs every day and will continue toanother 10 years - although never more 25 mile per hour!

The winners, with the nose

Lloyds of London insurance specifically for the strange nose - the assessment to £ 3900000! Nose is not all that much, but this unusual insurance package designed specifically for wineries Ilja Gort of Bordeaux Chateau de la Garde, and cover him against the loss of both his nose and his sense of smell. He described the nose as "its most important asset," noting that the language only five areas of taste, in contrast to the nose can collect millions of different scents.

Dear Sex Insurance Cost

Not so much an insurance policy, unusual, like an interesting stat. According to a survey commissioned by Ann Summers, the cause of British £ 350,000,000 worth of damage caused by sex energetic year! As he did so with the insurance? "Well, who do you think pays the bill for 10% brave enough odd> Insurance benefits after breaking article?

And damage to objects such as lamps, beds, curtains torn cases, 41% of men have suffered carpet burns, pulled back 33% and 12% twisted their ankle or wrist. Eye wateringly most of all, the 10 in the list of the injured had broken bones sex ... strain the brain!

When distraction can cost EUR 180,000

We all have a situation where we forgot to take something with us when we go somewhere, butthought, an article worth £ 180,000, you must be a little 'more careful! Not so, Robert Napier of Wiltshire, where he took over last month, a violin from the 17th Century, the train back from London - where he had an appreciation of antiquity was to leave!

Allianz Insurance Company have offered a reward of £ 10,000 for the safe return of this article - which was, after an exhaustive search of the car missing, said the next stop.

... And that is the substance appears only in the news. Imaginethe odd-insurance package that does not make news!

Recommend : 50 inch LCD TV Men Watches Review Shopping Low Price