TravelClub

Travel Insurance Tips For Dummies
By Richard6 West6
Travelling abroad needn’t fill you with worry, but it’s important to be covered just in case the worst does come along. Flight cancellation and loss of baggage or passport are some of the more trivial things that could happen while your away, but you could also find yourself in a very sticky financial situation should you or one of your group become ill or suffer an accident. Outside the EU, medical expenses won’t be covered, while even inside the EU you may need to pay for transport home or private treatment. Taking out the correct insurance policy can cover you against all of these misdemeanours, and give you peace of mind while you’re away. If you’re looking for the best insurance deal for this summer, then take a read of this article for some tips for finding the best policy.

Check What You Already Have
If you’re a premium customer with a bank or credit card company, then chances are that you’ll already have insurance included. This is particularly likely if you’re paying a monthly fee for your banking. Make sure you check this out with your bank and read the small print of the deal – it might not be valid outside of the EU or if you have special circumstances, but a phone call should clear this up. If you don’t have a policy already, then it really pays to shop around. It’s easier to do now thanks to the web – all you really need to do is key ‘travel insurance’ into a search engine, flick a few of the results and enter your requirements. Price comparison websites are particularly useful, so if you filter through a couple of these then you’ll be on the right track.

Special Clauses
Anyone with special conditions can get quoted ludicrously high amounts from most traditional insurers. People with histories of serious illness or disability, and those who are pregnant or over sixty-five can all find themselves struggling to justify the cover price. Make sure you have an EHIC card (when travelling within Europe) and check out specialist insurers that may be able to give you a better deal. If you find the cover to still be unaffordable, then the price may drop if you ask the insurer to exclude pre-existing conditions; though it’s then your call on the risks of going abroad with limited cover. Also, the EHIC card won’t cover you for everything. In fact, it will only give you as much medical cover as a local citizen in your destination country – it won’t cover you for luggage loss or plane ticket cancellation.

Don’t Over Cover
When searching for a policy, it’s important to understand what kind of cover you need. If you just take the first policy you find, you’re likely to either be substantially over insuring yourself, or perhaps even under insuring. Be particularly wary of premium insurance deals offering extremely high amounts of cover when you don’t really need it. For instance, do you really need £50 million worth of medical insurance cover? The answer is almost certainly not. In fact, it’s probably best to go for something more towards the £2 million mark for maximum medical expenses cover, while you should go towards £1 million for personal liability. Flight cancellation is also worth considering too – no one wants to be in the nightmare scenario of not being able to go on holiday for whatever reason, but then having to stump up for it anyway.
QuoteBanana.co.uk makes travel insurance comparison simple for you. Compare travel insurance from a selection of insurers today.

Visit Galicia – Visit The Walls Of Lugo
By stephenstewart
Lugo is a city in north-western Spain in the autonomous region known as Galicia. It is the capital of the province of Galicia and in the last census in 2005 had a population of 92,271.

The really interesting thing about Lugo is that as a town it has the privilege of being the only known town in mainland Europe surrounded by a complete and intact set of fortress wall was that have existed since Roman times.

The walls of Lugo were erected in the third century A.D. and have been proved, were built to last. Some 1700 years later and here we are all talking about how good they still look so the engineers in 300 AD must have had some idea of the plot and known what they were doing.

As has been mentioned these walls are pretty substantial and extend to a combined length of over 2 km ride around the centre of the town at the height of some 10 metres. These third century Roman walls have been designated as a world heritage site by UNESCO.

Lugo was founded in 15 B.C. as Lucus Augusti, named after the then Roman Emperor Augustus. The town was probably built on the site of the old Celtic town which had existed for several hundreds of years and probably founded by the Celts of the “Cult of Lugh.”

Lucus had quite an important role at the time in that it was situated in what was called by the Romans the province of “Hispania Tarraconensis.” The administrative capital of this province at the time was in distant Tarragona so Lugo had an important local administrative role and rapidly became the most important town of its day in what became known as Gallaccia during the period of Roman occupation.

The city was the seat of a bishopric in the late 5th Century AD and even when the rest of Spain fell under the rule of the Suebi and Visigoths in later centuries in what was euphemistically known throughout Europe as the Dark Ages Lucus remained an administrative centre.

For a small town it has always been used to punching well above its weight so to speak and the establishment of a Cathedral within its town walls only added to this appearance. The Cathedral, dedicated to St Froilano was started in around 1129 though the main façade and towers actually date from around 1769.

The Diocese of Lugo (Lucensis in Latin) covers the entire province of Lugo and also part of Pontevedra and Corunna within Galicia.

Elsewhere in Lugo the “Museo Provincial” which shows displays of Galician Art, the Palace of the Arts (Circulo de las Artes) and “Spain Square” (the site of many cafes) are all well worth a visit.

Definitely not to be missed.

Scott James writes about a great many Internet Travel based issues and more on the above can be found at Hoteles Galicia and Turismo Rural Galicia For a more complete overlook at Tourism in Galicia try www.turgalicia.es