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нове: Insurance
During your stay in the UK, there are three types of insurance that you might need: • personal property insurance – to cover your possessions against damage or theft
(if possible, try to arrange this in your own country before you come to the UK) • medical insurance – to cover your medical bills if you are not entitled to NHS
services (you may prefer to arrange this in advance; see chapter 7 – Health) • motor insurance – it is an offence to drive a car or motorcycle in the UK
without this.
For each type, there are many different insurance policies available, so look around
until you find one that meets your needs – including your budget.You will find a
range of insurance companies listed in your local UK telephone directory, and your
bank or building society may also be able to offer you an insurance policy. Many
insurance companies have special policies for students. Ask the welfare adviser at
your college or university for advice. And make sure that you understand all the
conditions before you agree to a policy.
Further information
To check the status of an insurance company (or to make a complaint),
contact the Association of British Insurers, 51 Gresham Street, London EC2V 7HQ,
telephone +44 (0)20 7600 3333, fax +44 (0)20 7696 8999, www.abi.org.uk
When you are considering a particular policy, ask yourself the following questions: • What will be paid out to me when I make a claim? Some personal property
insurance policies, for example, only pay you the second-hand value of your lost
possessions. ‘New-for-old’ policies will pay you the full cost of replacing the item,
but they tend to be more expensive. • Are there any conditions attached to the policy? Some medical insurance policies
will not cover you for pre-existing medical conditions (that is, conditions you
already have when you take out the policy). Some personal property policies
may not cover your possessions if they are taken away from the place where they
are normally kept (for example, if you take your CD-player to a friend’s house). • Are there any exceptions to the policy? For example, a medical insurance policy
may not cover you if you play a dangerous sport (find out how they define
‘dangerous sport’).
Motor insurance
The cost of a car insurance policy will depend on your age, how long you have been
driving, where you are living, the age and value of your car, and the type of car it is.
You can choose from three different types of car insurance policy: • comprehensive – the fullest cover but also the most expensive • third-party, fire and theft • third-party only – the minimum possible cover and the least expensive option.
Third-party insurance covers you if you are legally responsible (‘liable’ for harming
someone else or damaging their property.
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