VSV Boats - Home
Boats & Watercrafts
Boating Safety
Boating Guide
Site Map
Boating Safety Tidbit:

First Aid for Embedded Fish Hook
  1. Wash your hands to reduce risk of infection.
  2. Expose the injured area and inspect the wound, without touching it.
  3. Gently place clean dressings around the object.
  4. Place bulky dressings around the object to keep it from moving. This will apply pressure to the wound but not the object.
  5. Secure the bulky dressings in place with a narrow bandage; taking extra care to ensure that pressure is not exerted on the embedded object...
[ Read Full Article ]

Boating Articles

Get the Right Cover Before You Ride That Holiday Jet-Ski
Sunday Herald, The, Jun 10, 2001 by Teresa Hunter

More Boating Articles:
If you don't think it's worth getting the correct jet ski insurance before you go abroad Teresa Hunter says it's time to think again.

WE all save for months to pay for that brief escape to paradise in the sun. Yet all too often our dream trip turns into a nightmare when we fall ill, have an accident or get caught up in crime.

Recent horrific jet-ski fatal accidents have served as an unpleasant reminder of the dangers of rushing headlong into pursuits and activities while on holiday abroad which we would be much more cautious about undertaking if we were still at home.

For some it may be drinking copious amounts of alcohol all night, and burning on the beach during the day in temperatures never seen in this country. Then people wonder why they have heart attacks or strokes or otherwise end up in hospital.

At the same time, more and more holidaymakers are taking part in hazardous water sports. Buying good quality travel insurance is vital if we are to survive any subsequent holiday traumas relatively unscathed.

Last year, a British tourist in the Middle East spent months in jail after being caught up in a jet-ski accident which was not her fault, but where the other driver died. Her travel insurance helped pick up the legal bills and fight for her freedom.

Yet surprisingly, large numbers of people happily venture abroad without any cover at all. For the majority of these the biggest risk is not landing in jail, but in hospital. Without insurance, hospital bills can amount to tens of thousands of pounds. These have to be paid, and can cripple the victim financially for the rest of their lives.

Of those who do buy, most sign up for cover with their tour operator or travel agent, which could be just about the most expensive mistake of their holiday. Not only is this cover normally much more costly, the cover provided may be inappropriate.

A recent survey from the Consumers' Association, for example, found a #220 gap between what Thomas Cook would charge a family for a two-week holiday to Florida, and the same cover with JourneyWise. With Thomas Cook, the bill came to #270, but just #46 with the "best buy" insurer.

There are plenty of opportunities to buy travel insurance, so it pays to do your homework. These days, you can buy competitively- priced cover from supermarkets such as Tesco and Boots. Even clubs and trade unions may offer cover. Charities such as Age Concern sell policies targeted at the elderly, as does over 50s travel club, Saga. You can buy it over the telephone, the internet or from your local branch of your bank or building society.

It is possible to obtain some limited health care in Europe if you obtain an E111 form from your Post Office. This entitles you to the same treatment free which a native of the country you are visiting might qualify for, under reciprocal EC arrangements. However, this will almost certainly be more limited than what would be available under the NHS in this country.

In France, for example, you may still have to pay up to a quarter of the cost of hopsital treatment, plus a daily fee of around #7. In Spain, on the Costas, private hospitals greatly outnumber public ones, so you may have no choice but to sign up for the expensive private option. On the Greek islands, there are no public hospitals.

Furthermore, the E111 provides no financial assistance for extras such as repatriation or holiday cancellation following illness, or indeed additional costs resulting in having to extend a stay in a country because you are too ill to travel home.

Nevertheless, it is sensible to always take an E111 form with you as back-up, not least because many insurers will not charge you any excess if you have made full use of the reciprocal arrangements.

One-third of all travel insurance claims relate to ill-health so ensure you declare any pre-existing medical condition, because these will not normally be covered.

It is also important to look carefully at any other exclusions. Most policies, for example, exclude water sport or other hazardous activities. If you are planning on being sporty in the sun, they make sure you buy specialist cover.

A policy should normally cover your belongings and baggage, but again look carefully at exclusions, excesses and ceilings on each claim. You may, for example, only be able to claim a maximum #500 for any one item. This could prove inadequate if you are travelling with an expensive camera or computer equipment or jewellery, when additional cover should be investigated.

If you have good insurance for your personal belongings through your household contents cover, it may be possible to delete this cover completely from your travel policy, which could reduce the price further.

Similarly, you should be covered for the loss of cash, in a mugging or handbag snatch, sadly prevalent in many tourist destinations. But again watch the excesses. If you only ever carry #50 cash on you, and the excess is #50, you aren't getting much by way of cover.

The best way to keep the cost of insurance down, particularly if you take more than one holiday a year, is to buy an annual policy. These often cost little more than single trip cover. Similarly, family policies are usually cheaper than buying separate insurance for everyone travelling. Age Concern, for example, offers a family contract where children travel free.

A spokeswoman explained: "We find three generations of a family frequently holiday together, but while we were insuring the grand- parents, the rest of the group were buying cover elsewhere. Once we started to cover the children for free, we found we got grandma and grandad as well as mum and dad."

Finally, make sure you don't buy more cover than you need. A worldwide annual policy is much more expensive that one limited to travel in Europe, because of the US's high medical bills.

If you have no need of US cover, stick strictly to Europe.

Copyright 2001
Provided by ProQuest Information and Learning Company. All rights Reserved.