Budget Travel Insurance

For any traveller, buying travel insurance is very much an essential purchase before they set off. Fine if you have the money available for what can be an expensive buy but if you do not, what options do you have? Should you travel without insurance or make do with some form of budget travel insurance? It is always better to have some cover than none at all. But can you get quality or even reasonable cover at a budget price?

The answer is… Yes you can. There are now hundreds of insurers who provide this type of cover so with some determination you will be able to find a budget travel insurance policy that gives you the cover you need at a price you can afford. You just need to know where to look.

Use a Broker

Don’t think that just because you are using someone else to find you your insurance that you are going to pay a lot for it. Many brokers specialise in the budget end of the market and offer policies that include all the cover you need at a competitive price. Because they have standardised the product offering they are able to offer volume discounts and will even be able to give you a choice of budget travel insurance plans. They also offer expertise, advice and a real person to talk to that will help you make your decision.

Go Direct to the Insurance Company

Going direct to an insurer can also get you a good value quality product. Many of the large insurers that you think would be too expensive for you now own smaller specialist companies that focus exclusively on travel insurance. They are often branded differently from the main company but you are more likely to get a quality product even though you are paying a cheaper price.

Search the Internet

A lot of the subsidiaries of major travel insurance companies operate exclusively online, which is another place you should look. If you are confident about doing all your own research and making the decision yourself you should follow this route. Internet purchases offer the lowest prices and you shouldn’t go wrong as long as you check which insurer is actually underwriting your policy.

Travel Tips to Krabi

As much as we all love to travel, we also love to save as much money as we can while on the go. Be it on shopping, dining or even tours, saving money during a holiday is considerably a hard thing to do. Especially if you come from a more affluent country such as the West, because you tend to think everything is cheap even when it is not considered so in a local context.

Krabi
Krabi, Thailand, is a hot tourist destination due to its cheap food, lodging and available tours. Apart from Krabi, there are also a number of popular holiday destinations in Thailand such as Phuket, Phi Phi, Surat Thani, Lanta, Pang Nga and Trang. These few places are constantly packed with travelers from all over the world. So how do you save your money and still get the best out of your vacation in Thailand?

Eat the Local Way
A fancy restaurant does not necessarily guarantee the quality of food. Head over to where the locals eat. Following the rule of thumb, if there is a crowd in a particular food house, then the food there should be good. After all, the locals know best.

Bargain, Bargain Bargain!
The locals can spot a foreigner easily especially if you are not of Asian descent. It’s also very common for them to try their luck and jack up their sales price when they see a potential tourist-customer. So do not be deceived and put your bargaining skills to test. Never settle for the first price they offer you – always try to reduce or pretend to walk away if they refuse because it’s very likely that they will call for you with a price that is way lower than the first one. But of course, you also have to be reasonable in the price you quote.

Go During Off-Season
If you visit Thailand between Jan and May or July to Nov, chances are you will get a free upgrade to bigger rooms without having to top up. Sometimes, hotel rooms are also cheaper than stated.

Walk or Rent a Bike
Forget taxis! If the place is near, then just walk there instead of flagging a cab. The streets of Krabi and Phuket are always filled with shops so it is not really a lonely and boring walk. Otherwise, rent a bike. Renting a bike is very common in Thailand and cheap too. You can check with your resort’s front desk if they have any motorbike rental services. If they do not, then just walk out and you will definitely see at least one motorbike rental shop out there.

Best Budget Travel Tips

Full of history, great culture and beautiful architecture and natural landscapes, Europe is one of the most popular travel destinations in the world, but it is also one of the most expensive. Finding a cheap flight is a good way to start saving money on your European trip, however once you are there, accommodation, food and transport costs can quickly chew through your budget.

Although Europe can be expensive, there are many ways to save money and travel this great continent even if you are a budget traveller. Here are some tips on how to travel Europe on a budget.

Accommodation

Hostels:
One of the best ways to save money in Europe is to stay in hostels. You may think that hostels are only for 20 something backpackers looking to party, but in truth there are hostel options for all types of travellers. The cheapest hostel rooms are known as dorms, where you get your own bed in a shared room that usually house from 4-10 people, as well as a shared bathroom. Most hostels also offer private rooms, some just as nice as a hotel room but at a much cheaper price.

Camping:
Even cheaper than hostels, camping can be a great option. In Europe there is an excellent amount of convenient camp grounds, often even within major cities. And these camp grounds have excellent facilities such as bathrooms, cooking areas and shuttle buses to take you to the nearest town or city.

Last minute deals, multiple night stays and advanced bookings:
If you want to stay in hotels, there are still plenty of ways to save money. Often hotels will offer last minute deals if they have plenty of rooms available, and give a great discount. Many hotels also offer discounts for booking more than a certain amount of nights, while others offer discounts if you book well in advance. It’s a good idea to look around on hotel sites and see what is available.

Apartments:
If you’re staying in a certain city for a few weeks or more, renting an apartment can be a very affordable option. The longer you stay, the more options there are to save money. For example some apartments can be rented on a weekly basis, while others are monthly. This is also a great option if you are travelling with a few people to share the cost.

Food

Cook your own:
If you are staying in a hostel, camping or renting an apartment, it is likely that you will have kitchen facilities available. Buying your food at a supermarket and cooking it your self will save you a lot of money. This doesn’t mean that you have to eat every meal like this, but even one meal a day will save you a lot of money in the long run.

Eat local:
Eating where the locals eat can be a lot cheaper than eating where the tourists eat, and usually the food will be a lot better too. Often restaurants that are located close to tourist attractions will leave you with a hefty bill, while you may be able to walk a couple of blocks away and find a nice restaurant for half the price! Usually the locals know best.

Street food/take away:
It’s not unusual to find different food carts or eateries located around a city, and they are a great option for saving money on food. For example: For only a couple of dollars you could buy a nice slice of Pizza in Rome, a Crepe in Paris, or a Bratwurst in Berlin.

Transport

Rail pass:
One of the best ways to travel in Europe is on the train, and a great way to save money on train fares is to buy a rail pass. There are many different passes available from single country passes to complete passes that allow you to travel all over the continent. It entirely depends on your trip, but a rail pass can literally save you hundreds of dollars.

Tourist passes:
Many cities in Europe have special tourist passes that you can buy, and they usually give you free use of their public transport systems, and also offer free or discounted entry to attractions and museums in the city.

Walking and cycling:
One of the best ways to see a city is on foot. You will always see more and have a great experience, it gives you lots of exercise and costs you absolutely nothing. Many European cities are also very bicycle friendly, and renting a bike for the day can be a great way to explore a city.