2 tips on how to claim damage from overflowing tank

2 tips on how to claim damage from overflowing tank

I share 2 tips on how to claim damage from overflowing tank. Can we claim water overflowing loss to your home when you water tank burst or overflowing due to lack of maintenance? The water tank or apparatus often install on the roof top of the house. People migrate to the city for a greener pasture, many houses, and a condominium mushroom in a crowded space. Is it fair to us that we have to pay for the development?

The developer installed a condo with a water tank and or even swimming on the rooftop. The management needs to monitor any pipes burst or leakage constantly.
No matter how tight the maintenance schedule is, mishaps do occur. Are we prepared for that?
Years ago, the old water tank burst at the low-cost government flat at Johor Bahru. A few residents lost their lives in the disaster. How to Claim Water Overflowing Loss To Your Home on this case?

2 tips on how to claim damage from overflowing tank
2 tips on how to claim damage from overflowing tank

The leakage of a transparency swimming pool built on the condo’s rooftop that most people would never forget. It leaks from the top like a cascading waterfall that can be seen a few kilometers away in Singapore. Can we claim water overflowing loss to your your home from the swimming pool.

2 tips on how to claim damage from overflowing tank

I vividly recall when I joined general conglomerate insurance in corporate marketing. A sewing machine called me to investigate the water tank leakage on the third floor of the shop lot. As a greenhorn, I was dumbfounded to discover the water damage to shop content was not claimable.

I was devastated that I signed up for the Australian Insurance Institute self-study course to enhance my insurance knowledge.

Put my heart and soul into passing all twelve papers within two and a half years. Later on, I specialized in marine insurance at the Chartered Insurance Institute of the UK.

Remember to add the water tank, apparatus, or bursting pipe to your home fire insurance. If it is a householder or home insurance, it includes this clause.
The extra premium your pay is insignificant compared to the loss and damage to your house structure and content.

Claim Water Overflowing Loss To Your Home
Claim Water Overflowing Loss To Your Home

2 tips on how to claim damage from overflowing tank

Water tank, apparatus overflowing or bursting of water pipes endorsement

For an additional premium, the Company now agrees and declares that the insurance under this policy includes loss or damage to the property caused by the bursting or overflowing of water tanks or bursting apparatus or pipes installed in the buildings certified or containing the property insured excluding:-

(a) loss or damage caused while the premises not occupied .
(b) The water discharged or leaking from an installation of automatic sprinklers.
(c) the first RM1,000.00** of every loss at each separate premises, as ascertained after the average application, or the Company’s rate able proportion of that amount.
(d) When the sum insured is not more than RM50,000.00 , it may reduce this excess to 1% of the sum insured subject to a minimum of RM100.00
(e) All the policy conditions (except in so far as they may be now expressly varied) apply as if had incorporated for any loss or damage as aforesaid shall be lost or damaged by fire.


1. The Company’s liability shall in no case under this endorsement exceed the sum insured by each item of the policy.

2. This policy does not cover loss of earnings, loss by delay, failure of the market, or other consequential loss or damage whatsoever except the loss of rental inclusive in the policy.

3. The Insured use all reasonable diligence and care to keep the premises in a proper state of repair. If the insured discovers it, rectify it immediately. Taken additional precautions to prevent further loss or damage as the circumstances may require. The insurer is not liable for any loss or damage caused by a defect received notice from the Company or any person or public body.

Subject otherwise to the terms and conditions of the policy.

2 tips on how to claim damage from overflowing tank

Typical water damage covered by homes insurance:

Boilers. The same goes for a frozen pipe that explodes, but not if you didn’t keep the house warm.

There are accidental leaks from pipes or appliances, such as a damaged washer or dishwasher.

Water damage from a fire sprinkler system or a fire department hose.

Water damage from a roof leak, a storm, or a tree falling on your roof. Remember that if an accident (such as a falling tree) destroys your roof, you must repair it quickly. If no action taken may result in additional uninsured water damage.

Storm damage from severe rain or hail.

Ice dams, such as ice in your gutter damaging your home, may be covered if the damage was abrupt and not due to neglect.

2 tips on how to claim damage from overflowing tank

Homeowners Insurance Doesn’t Cover

Here are some frequent issues not covered by regular homes insurance:

Flooding. Most importantly, no flood damage is covered by home insurance. Hurricanes, tsunamis, storm surges, overflowing rivers, and heavy rain can cause flooding. Consider flood insurance to cover these issues.

A failure to remedy a plumbing issue or neglect to keep the heat on during cold weather causes water damage.

The insured intentionally set fire to your home or turned off the heat in the cold.

The earthquake, landslide, or mudslide water damage. Is unlikely to be compensated. An earthquake insurance policy to cover damage from an earthquake.

Back-up water damage in a sewer or drain (unless you purchased special coverage for this problem.)

Water damage from a pool or other constructions.

Water damage from seepage or foundation leaks.

The insurer would not pay the expense of repairing or replacing a faulty dishwasher or washing machine.

Failure of a sump pump or related equipment, you may want to seek sump and water back-up coverage for such issues.

2 tips on how to claim damage from overflowing tank

How Can I Prevent Water Damage?

It is best to take preventive measures are one of the best ways to protect a home from water damage. Routine maintenance and timely repairs are essential.

Remember that homeowners insurance only covers “sudden and accidental” water damage, not ongoing issues. A leaking faucet, for example, should be repaired as soon as possible.

Other options:

Remove the sediment from water heaters twice a year.

Install an intelligent leak detector that alerts your phone or email (Some sensors can turn off the water to prevent damage.) In a LexisNexis study of 2,306 US homes, water-related claims dropped 96% after installing a Flo by Moen water leak detector.

Washing machine, dishwasher, water heater, and refrigerator hose inspection Replace any damaged hoses.

Inspect your roof and replace any missing, rotten, or damaged shingles. Also, clean your roof gutters. Clogged gutters can overflow and pool near a home’s foundation, allowing water into the basement.

Prevent frozen pipes if you live in a cold climate. Set the thermostat at least 50 degrees and insulate pipes. The American Red Cross has more information on thawing frozen pipes.

Clear snow from your roof to avoid ice dams. A roof or gutter with ice dams can cause extensive damage to both the exterior and interior. A roof rake can help remove snow from the top and prevent snow dams.

Remove leaves from gutters each fall to avoid clogged drains and ice dams in the winter.

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Why buy Life Insurance, Prospect Distantly Avoid Plague

Why buy Life Insurance, Prospect Distantly Avoid Plague

Why buy Life Insurance, Prospect Distantly Avoid Plague at all cost. Regrettably, the Malaysian life insurance penetration is merely 56% of the total population in 2016. It implied that the balance 44% of the citizen is uninsured or not qualified to have life insurance due to inborn defect. Why do we have such a pathetic scenario? Is the agent or assured to blame? Briefly, to say, it applies to both in our shore here.

Not only, no insurance also that the sum insured inadequately. The average is about RM100, 000.00 to RM150, 000.00, can it feed your beloved one or dependent for 5 or 10 years if one day you forget to return home. Moreover, an amount varied between the urban or rural living plus also the working spouse or children. Nevertheless, the meagre sum insured is hardly enough to last for a year living in the city with 2 or 3 kids in toll for a single parent.

Why Buy Life Insurance.

Is it the responsibility of the parent to take care of the children welfare when one demise? Very often, cool-blooded landlords eradicated single parents out from their rental homes. Subsequently, like adding fuel to fire, the bank publicly auctions off the house for 6 months default in repayment without any insurance to cover the loan tenure.

The innocent child is also the victim when one parent remarried. Stepparents often abused the defenceless kid. Recently, a newspaper reported rape, physically tortured with multiple cuts and bruises and old wounds over the emaciated body. The police rescued a retarded boy from the evil mother. The reason given, chained the boy like a dog in a small cage preventing he strolled out. Can your soul be rest in peace if someone does to your child? Unless you are heartless, no human-bear to see the suffering of abusive and inhumane torture.

Compensation for the death of insured under householder policy
Compensation for the death of insured


In the ever-burgeoning budget of a newly married couple with a kid, car loan, parking petrol and upkeep of the vehicle eat up a chunk of their salary each month. Moreover, there is the student loan, housing repayment, utility bill, an emergency fund like a kid doctor bill and love gift to aged parents. Luckily, break-even or a blessing to have a tiny disposal income left for saving. With a tight budget, any extra is beyond their means and classified as a “luxurious” item like buying life insurance.

Needless to say, it is advisable for such a young family to have affordable term life insurance that cost merely a daily high tea at a local café. What is your opinion you prefer pricey life insurance compared with a bedridden spouse or kid at home to maintain? Death is an instant relief, but the loved ones have undergone lifelong grief. So why be an irresponsible parent that might curse subsequently by those still alive struggling to meet day end need?

I lead a healthy lifestyle.

Nowadays, insurance agents always complain is difficult to close a sale with young and active people. The yuppie leads a healthy lifestyle to visit the gym 5 days a week after work. Likewise, for the diet too, eats moderately due to health and utmost important tight budget. How far is that true? We puzzle? Eat junk food like instant noodles with enhanced favour, fry egg and soft drink instead of mineral water or fruit juice? Surprisingly, the diabetics and hypertension suffer gradually knocking at their door. Closely examined, the Malaysian demographic depicted young suffer from 30+, which was unknown in the last century. Honestly speaking, how many Malaysians have their yearly toughly medical checkup? Toast off to you, if you have a clean report, otherwise, you are an insurable or substandard risk with premium loading.

Cover for Money Printing MachineWhy buy Life Insurance, Prospect Distantly Avoid Plague 1

An unpredictable human being, in order to understand insurance, might take ages. Insured their movable assets like automobile, exclusive motorcycle, extensive renovation home, camera and household contents even pet for fury animal including the kernel, but no insurance for themselves that. Rampantly road accidents and armed robbery pray hard nothing would befall on them. Moreover, no one can predict when you are imminently sick or bedridden or walk in the clutches. Yet, there is no insurance to cover for the machine that prints money for you, that is your body. Gradually, overuse due to wear and tear a machinery breakdown, likewise, it is the same for your body. Consequently, a fatality occurs or lying motionlessly on the hospital bed.

Why buy Life Insurance, Prospect Distantly Avoid Plague

Negative Perceptions

Crowded coffee kiosk, two middle-aged customers sat in between a young man, an insurance agent.

“I lament you not buy any insurance as my neighbour’s son hospitalization for a week in a private hospital, the insurer denied his claim”

“Why” another probed further.

[poll id=”1″]

“I do not know the reason for the rejection, initially the agent helped to claim, eventually the agent also unreachable “

“Yes, truly say, the agent and the insurer are the legal lesson conmen, promise you the sky, finally you get a barren hope.”

“Sorry, young man, I need to consult my spouse before making the decision from buying your investment-linked proposal” Another elderly prospect consoled the dynamic agent.

“Yes, it is alright to reconsider about it, please don’t hesitate to call me for any doubt clarifications” the agent replies politely.

Thus one rejected claim would eventually rumour spreading fast like wildfire.

The truth reveals

Occasionally, the half-baked agent would request the assured to sign on the dotted line without filling the medical history. In order to get prompt approval, the agent ticked all NO in the column even though assured mentioned has hypertension and on long-term medication. Whose fault? It is the Assured himself as he does not know anything when he blindly signed the dotted line on the proposal form. The former kleptocrat prime minister Najib Razak is a shining example.

Assured’s moral hazard

I did help to claim a case rejected by the insurer. Finally, to my dismay, I obtained a hospital report that assured did a kidney stone removal in a government hospital. When asked by the agent any operation done in the past. He negatively answered NO. Consequently, the insurer denied its liability for his claim on kidney dialysis.

Another case on hypertension question, nevertheless, assured answered negatively despite the fact of having daily oral medication. Eventually, the claim is often denied by the insurer when the claim stroke or kidney failure at a later stage.

Utmost good faith

Utmost good faith is one of 4 principles governed by the rule of the insurance law. Legal binding between the assured and insurer when entered into an insurance contract, the assured disclose all the relevant material fact to the prudent underwriter in determining to reject or accept the offer. Whether the assured know or is unaware of the health condition, disclose to the insurer. So, sincere advice bears all the facts to the insurer to avoid the future burning issue on the claim matter.

No Dependent

Generally, couldn’t care less is the altitude of most of the y generation. Chase after the latest trendy iPhone gadget every six months. Moreover, priority on holiday, pay later for the credit card payment. Buy Life insurance? Why need it, I have no dependence is an impulsive reply? Single with no strings attached, without any family commitment, no parent, no sibling, living on own world, why care! Having said that, what about your final funeral expense, consequently let the government take care of burial, or leave the corpse to decay on the road or hospital? Perhaps, perform a unique Tibetan “sky burial” let the eagle devour your corpse. Why buy Life Insurance, Prospect Distantly Avoid Plague 2

Notwithstanding, if you have a grey hair retired government servant parent, isn’t a double pain for them. Losing one child, and the final expenses, ritual prayer and burial ground to pay for? Unfortunately, you confirmed total permanent disability, aren’t a pain in the neck hiring a nurse or long-term nursing for you. Conversely, put you in the nursing home, who pays for maintained expenses?

No Money

No money is just a lame excuse to put off for the newbie’s advisor. Regardless of single or a young married couple is a norm form of getting rid of intermediary. Or postponed, the chance is they procrastinate for a few more years. Luckily, the body has no red alerts for silent sickness. Meet a car accident, then you want to cover your car for a comprehensive term, do you think insurance company run on charity and accept your offer. Blatantly, you turn down. But the truth is, the majority of the insured have this kinda of weird idea.  I have stumbled across few incidents like this before during my 25 years in the insurance industry. Does the insurer run on charity?

Time waits for no man

Gradually, we aged with the erosion of time, coupling with consumption of highly toxin junk food daily intakes. No wonder a primary school going kid had undergone kidney dialysis at the public hospital. A normal phenomenon is our today society with a stressful lifestyle chasing after material gains. The insurance premium gradually rises accordingly to your age. Not only the higher premium pay but also lower the sum insured if we compared a lad aged 20 and another 30 years old adult. As we age, we are prone to illness due to the sluggish immune system. Even applies to term insurance for a 10 years gap band.

In brief, please buy insurance when you are in your youthful vigorous year to save a cheaper premium with a higher sum insured.

Jargon wording with length sentence Why buy Life Insurance, Prospect Distantly Avoid Plague 3

How many lawyers and insurance can consult and understand and interpreting sentence by sentence in the insurance policy? Nobody is trained in all fields; therefore no one is an all-rounder in this world. Diligently consultant your agent or even bring the policy to the insurer for a full explanation. Closely examine the following point, you would face difficulty in handle a claim in the near future.

Exclusion Clause

In this column all the sickness or any circumstances relevant contradicted to the policy, the insurer would deny its liability. For instance, commit suicide within certain years or claim on pre-existing illness know to the insured. Please highlight to the assured when delivering the policy for acknowledgement of the receiving the policy. Do not conceal the fact, it is better to avoid short-term pain rather finger pointed how irresponsibility of the consultant.

Inception Date

The policy was enforced with the date clearly printed out and the expired date of the policy. Commencing date is of utmost importance in the case of medical or 36 critical dreaded disease claims. Never overlook it. Frequently, assured would hospitalize for an illness, and bravely ignorance the waiting period. Subsequently, no entertainment of the claim, the assured would spread the rumour that insurer selling a scam policy, even though the default lies with assured. Sabotage the agent, branded you feckless advisor, and tarnished your name.

The schedule

In this schedule, your name and identity card number should be spell accordingly to your national identity card. Correct the error immediately should you spot a mistake. Thereby, the insurer has leeway to deny your future claim. Do not give the underwriter a chance for your consumer rightfulness claim.

Highlight the type of coverage, whole life, endowment, term or investment link or purely medical card policy. Total permanent disability, 36 critical illnesses, waiver of premium due to dreaded disease or the payor. Any hospitalization benefit per day, woman disease and pregnancy admission specified according to your signed proposal form. Scan any deviation, informed the agent in a written form and ensure the insurer to pass endorsement accordingly. Finally, made a note of the sum insured in the schedule.

Stated the policy number in the policy for convenient correspondence with the insurer claim, when ledge a claim in the future or an endorsement. How much premium do you have to pay? Assured need to warn adjusted premium during the duration the whole validity of the cover, not to forget if the medical card guarantee renewal clearly stated.

Buy peace of mind coverage

Splurge an exotic meal under the candlelight dinner or exorbitant family overseas excursion or perhaps the endless chasing the ever change the latest gadget every six months. Why not paused and think for your loved one when one day you lose your way home, getting a policy coverage that ensures all the financial constraints would not befall the ongoing family.

Your Thoughts

As usual, I would love to hear any thoughts or questions that you have in the comments section below.

Email me at [email protected]
Why buy Life Insurance, Prospect Distantly Avoid Plague 4

Need an insurance agent in the digital world

In this internet digital world, whatever information on the insurance subject can be found on the internet by the click of your finger. Do you really need an insurance agent in the digital world?  Many may think otherwise. Too many negative pictures painted on those earlier day insurance agent.

I remember vividly a joke during my 1st years on marketing insurance training.

Our local head (OCPD) and his deputy are always around on duty during the office hour. They fear no one right from the mafia, head of the gangster, drug lord, and money launderer.

” Sir, there is someone by the name of Mr. Ricky would like to see shortly.  He is on the way up the building”

” Is he an insurance agent wearing a spectacle with a fashionable tie.” The OCPD asked.

“Yes, Sir”

” On My God, tell him I am not around,” hurried he left the office as if there is a tsunami is going to sweep away his office.

“Mr. Ricky, my boss has left the office, he would not be back until tomorrow. Do you want to leave a message?

” Good Morning, Mr. OCPD, do you like a coffee to have with me? Mr. Ricky cornered him at the side door exist.

What is the moral of this joke?

Agents only want my money

When we think about insurance agents we often think about those slimy snack oil salesman we see in old movies. The initial contact with insurance agents, they would sell as many policies as possible TO SUCK  YOUR MONEY. The will become an invisible agent until the renewal date the next year.

The is how insurance agents are portrayed by the public. The Money Face.  But the reality is that agent is here to help to sort the right policy for you.  We are not God to predict what will happen to us and our family. Like the case of 2004 tsunami, although we have the latest technology to monitor the daily volcano activities, yet the tragedy still occurs.

You may have experienced an agent who only wants your money.On behalf of our industry, I apologize for their ignorance and selfishness. Agents help you make the right decision on a service that you were already going to buy. Give agents a chance and interview another so that you get what’s best for yourself.

It’s cheaper to go online or buy direct

An agent’s commission does not affect an insurer’s quote. It will be the same whether you go through the agent or directly to the company. Buying from an insurance agents or brokers,  however, may allow you to receive huge discounts that others do not offer.

Call the agent to get a quotation for you.  It saves your time from calling various insurers. The only true way for you to know is to get a quote.

Buying direct will help me cut out the middle man saving me time.

No one likes to deal with a middle man anymore. Call an agent to quote is quite frustrating not knowing how long it would take.

Get an online quote getting a lot of inquiries during your office working hour.  It interrupts your workflows. Your immediate superior will give you an unpleasant look.  You still need an agent for 2 reasons:-

1.) The agent will call and sort the best quotation for you from various insurer saving of your time be calling so many insurers. You just need to have an appointment with the agent after work or at the comfort of your home.

2.) Issues arise or a claim occurs, the agent can take care for you. It saves your time sitting on hold for long periods of time and being shuffled around from person to person to get your questions answered.

I don’t need an agent’s opinion – I know what I’m doing.

An agent can provide you with more than just quotes. Even with all the research online,  it takes a personal look each individual’s situation to derive a final sensible decision. Having a similar home, family size, and vehicle as your neighbor but have completely different insurance needs. An agent will help you find the right plan for you and avoid policies you do not need (yes you can buy policies you don’t need).

Even I had worked for an insurer for 6 solid years, the insurance industry is keeping changes like new regulations and rules were added.  Therefore all agents must attend compulsory on a yearly training of 30 HOURS  to update latest new amendment act. Having an agent inside would bring benefit to the insured.

You can choose to go direct instead of going through an agent but if you have someone on your side who can help you make the best decisions, save you money, provide you with tools and is free why would you not go with them? THE CHOICE IS YOURS.

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Personal Accident Insurance Self-employed

Personal Accident Insurance Self-employed


Is it an essential to have personal accident insurance for self-employed.? It is Absolute Yes.

Own Boss

If you are self-employed or running your own business you will be only too aware No work No income. A significant impact to yourself and yours loved in the family while you have prolonged injuries. You are left high and dry without any sources of income to feed you and family members.  Isn’t it a tragedy?

Personal Accident Policy

The personal accident policy gives you a regular income should your absence from work due to an accident. AXA policy has a range of attractive benefits. It operatives 24 hours a day covering accidents that happen at home and at work. The policy pays for up to 104 weeks for the weekly benefit. It covers up to 75% weekly gross income.

 It is good to be you own boss by having a personal accident policy. It is an income replacement should an accident occur. The policy covers 24 hours a day at work and at home, activities like hobbies or sports. Covers all classes of occupations except hazardous.  It is a  worldwide cover including terrorism. The policies can vary considerably, and with restrictions sometimes apply.  Get an independent expert advice.

Accidental Death

If the insured die instantly in an accident, the next of kin of the insured shall receive the full sum insured. However, full payment will pay out if the insured die within 15 days after the accident, There is No payment if death occurs after 15 days of the accident,   Illness or sickness may be the main cause,  not the accident.


The insured may not able to perform the normal duty, either partially or wholly. Again, the claim is paid to insured who cannot work more than 6 months. If the policyholder is physically disabled, either partially or wholly, no claim is payable if the insured is able to work.


The policyholder loses both upper or lower limbs or eyes. He or she is entitled to claim under Accidental Dismemberment. There are certain norms for the payment of the sum insured. For example, if insured loses one hand or one leg, he or she would receive 50% of the sum insured. However, if both hands or one leg are severed, it is a full payment.

Hospitalization Expenses 

The insurer pays all hospitalization expenses due to an accident. Also, there is a daily cash allowance for the duration of hospitalization.

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Personal Accident Insurance Self-employed 5

Is it important to have Travel Insurance?

Is it important to have Travel Insurance?

Today, it is a borderless world. People often using flight to travel for holiday or business trip.  Many travelers asked, ” Is it important to have travel insurance?” Travel insurance will ensure that you get proper medical care, all of your bills are taken care of and if you really need it then you’ll probably get a repatriate back your home country as part of the package.

Travel insurance not only covers accident but your expenses, flight delays, medical, transportation, lost of personal effect and even pickpockets.  Please check your policy details as the cover can vary between insurers and there might be cases where you need to report things such as theft to the police before you can make a claim.

What types of travel insurance are available?

The travel insurance policies depending on the type of trip you’re taking, your destination and duration, your age, hazard activities. The question is “How much travel insurance do I need?”

Types of Travel Insurance

a single person:  for a single person.

a family policy: for the whole family traveling together for that trip.

a group policy:  if a few of you are traveling together.

a single trip: for a single trip only.

annual policy:   if you travel a lot, then consider an annual policy that covers you for a number of different trips throughout the year. It saves a lot of money in the long run.

Certain sports, like skiing, can be covered provide the insurer agreed with an additional premium.Then you can just enjoy your holiday, without any worry.

What does travel insurance cover?

Travel insurance goes well beyond the simple medical cover, Travel insurance covers you if your holiday is cancelled altogether, you have to be brought back home early for any reason, delays due to the airline (in which case the airline may give you compensation too), loss while you’re away and most policies provide round the clock assistance too.

These 5 matters are just the basics. Travel to high-risk countries like the nations are in civil war or war-torn e.g Syria and Iraq. You would not get any coverage for visiting such nation.  You are traveling at your own risk. It is best to follow the  Foreign Office advises against travel to certain countries.

A cancellation can happen to anyone. Heavy snow- fall on the runway to torrential rain, staff strikes. The volcanic ash clouds the sky have caused people to lose their holidays or stranded at the airport. Your airline may compensate you if your flight is canceled but there is extra cover available through travel insurance to give you that additional peace of mind.

You could find yourself stranded at the airport in a foreign land due to whatsoever reason. The airline sometimes covers the local accommodation,  but there are not guarantees. In this situation, it is better to have a robust travel policy.

Cancellation doesn’t just cover flight cancellation, you are often covered if you or a family member fall ill before the departure and you can’t travel for medical reasons. Providing you weren’t aware of illness in the family when you took out a travel insurance policy. A sudden death in the family.  You could even claim a full amount of the holiday. With the claim money, you can plan the future vocation.

An emergency evacuation and repatriation from any part of the world.  It can cost tens of thousands of dollars, without even starting on emergency medical treatment at a hospital.

Protect your possessions too

Astray baggage,  lose the passport, credit cards, handphone, and other travel documents. The insurer provides 24-hour assistance on hand. It is a nightmare to deal by yourself. It is worth to have travel insurance give you a peace of mind

Is travel insurance a legal requirement?

No, It is not a compulsory to have travel insurance. Some tour operators will insist you have a policy in place before they confirm your travel, especially to countries like the US.  There is no public health service like our NHS.  You and loved one is properly covered on a trip overseas. Accidents can happen anywhere., anytime. It is very difficult to deal with on holiday in a foreign country. You simply cannot leave it to chance when the costs could be so high.

Of course, you might have completed cover in one of your many complimentary packages such as your life insurance, your credit cards or bank account. It better to play safe than sorry check them carefully before you go overseas. If you need to get extra cover then start a travel insurance quote and compare the best cover and prices for you on the market right now, see how much you can save!