Holiday Insurance When Travelling Abroad

summerhols

It’s the holiday season and we are all no doubt eager to escape the grey skies of Northern Ireland and head abroad for a week or two of tropical sunshine and relaxation.

While giving careful thought to what factor of sun lotion to bring, you may also want to ensure you have good holiday insurance in place.

It is important to make sure that you are aware of local laws and customs when you travel, to avoid invalidating any insurance policy you have.

Jonathan Wheeler, Vice-President of The Association of Personal Injury Lawyers (‘APIL’)* has said:-

“Just because you have insurance cover does not mean you don’t have to be responsible for your own behaviour. In fact you could unwittingly invalidate your insurance if you break the law or are disorderly,”

“Many travel insurance policies carry exemptions if you do something illegal. Jaywalking for example, isn’t illegal in the UK but it is in some overseas countries,”

“If you cross the road when the light is on red, you face a fine – which you could do without on holiday.”

“But in the worst case scenario, you could be knocked down by a car and find that your insurer is not obliged to cover you for medical bills, or to get you home, or to pursue a case for compensation if someone else is negligent and injures you”.

Jaywalking is an offence in most US states, and destinations popular with hen and stag parties such as the Czech Republic and Poland.

The sun-seekers out there should be aware that Greece also has some strict laws relating to taste and decency, which can carry hefty fines. Even some fancy dress costumes may be regarded as offensive and violate the law.

In Mallorca and Barcelona, sunbathers who leave the beach still stripped to their swimwear could be fined as much as £500. And driving penalties in Spain can be much tougher than in the UK – just 1km per hour above the speed limit can result in a fine of around £400 for a tourist.

“If you’ve had a run-in with the law while you’re overseas, however small, it might be held against you if you need to make a claim for something,” adds Jonathan.

“It’s easy to throw caution to the wind when on holiday but it’s worth knowing the local laws and customs before you set off.

Be responsible for yourself and show respect for your foreign hosts”.

Happy Holidays!

MHannaBy Martin Hanna

Partner

Francis Hanna & Co Solicitors

For more information on this area, please feel free to  contact Martin by email at mhanna@fhanna.co.uk or alternatively please leave us your comments below
*APIL (Association of Personal Injury Lawyers) is a not-for-profit organisation whose members are dedicated to campaigning for improvements in the law to help people who are injured or become ill through no fault of their own.

Parenting NI

parentingni
Parenting NI has been a leading organisation for supporting parents in Northern Ireland since 1979.    In a guest blog for Life Law NI, Emma Lyttle from Parenting NI provides us with some information about the organisation and the services they provide:-

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Since being established in 1979, Parenting NI has become a leading parenting support organisation committed to delivering high quality services to parents throughout Northern Ireland.

At Parenting NI, our primary aim is to contribute to the well-being of children and young people by supporting parents and to influence policy and practice on parenting.

Our values are underpinned in all of Parenting NI projects, including the following:

  • The safety and well-being of children is paramount
  • Parenting should be valued
  • Parents need to be supported
  • Support services for parents should be universal and accessible
  • Parents have the right to expect high quality services
  • All families should be valued equally, regardless of their structure or background
  • Parents and young people are entitled to be able to talk confidentially
  • Parents have the right to be treated with dignity and respect, and not to be judged
  • Parents have the right to expect organisations with whom they are involved to be open, honest and accountable
  • The rights and responsibilities of parents, children and young people should be protected and respected

The Work We Do

All of Parenting NI services have been developed based on the needs of parents.  Our focus is primarily on prevention and early intervention in order to ensure the best outcomes for children and young people.

At Parenting NI, we envisage a future where parenting is highly valued, and family members receive the support and resources they need to provide a happy and safe environment in which children and young people can achieve their potential.

As an organisation, we try to do achieve this goal in many ways and by providing a number of services:-
  1. Parenting Helpline

The Parenting NI Helpline offers a free phone service based in Northern Ireland. Our helpline team have been specifically chosen to ensure that all callers receive the most appropriate support and guidance in relation to family issues.  The Parenting NI helpline team also have knowledge of local services that are available regionally to ensure that all families with any additional needs can access other support if required.  Call us on 0808 8010 722 to avail of our helpline service.

  1. Counselling Service

 Our Parent’s Counselling service focuses on finding realistic, manageable solutions for you and your family, empowering you to meet your own needs and goals. Parent’s Counselling offers a confidential, professional service, in a warm, friendly atmosphere, where you will be listened to and given space to explore any issues relating to parenting.

  1. Programmes & Workshops

We offer a range of parenting programmes throughout Northern Ireland to help parents build on their skills and knowledge about parenting.

We aim to keep our programmes fun and interactive through participation and group work, in a setting where everyone feels safe and supported. Participating in one of our programmes is also a great way to meet other parents experiencing similar issues, build confidence and improve family relationships.

  1. Parental Participation

We believe that it is important that parents have their voices heard.  We have been engaging parents through consultation since 1999. The consultation process is an important opportunity for parents to share their views. In consulting with parents, it enables our organisation to highlight the key issues and needs of parents in order to influence policy, planning and service delivery.

For more information on Parenting NI, visit our website on WWW.PARENTINGNI.ORG

Holiday Insurance When Travelling Abroad

summerhols

It’s the holiday season and we are all no doubt eager to escape the grey skies of Northern Ireland and head abroad for a week or two of tropical sunshine and relaxation.

While giving careful thought to what factor of sun lotion to bring, you may also want to ensure you have good holiday insurance in place.

It is important to make sure that you are aware of local laws and customs when you travel, to avoid invalidating any insurance policy you have.

Jonathan Wheeler, Vice-President of The Association of Personal Injury Lawyers (‘APIL’)* has said:-

“Just because you have insurance cover does not mean you don’t have to be responsible for your own behaviour. In fact you could unwittingly invalidate your insurance if you break the law or are disorderly,”

“Many travel insurance policies carry exemptions if you do something illegal. Jaywalking for example, isn’t illegal in the UK but it is in some overseas countries,”

“If you cross the road when the light is on red, you face a fine – which you could do without on holiday.”

“But in the worst case scenario, you could be knocked down by a car and find that your insurer is not obliged to cover you for medical bills, or to get you home, or to pursue a case for compensation if someone else is negligent and injures you”.

Jaywalking is an offence in most US states, and destinations popular with hen and stag parties such as the Czech Republic and Poland.

The sun-seekers out there should be aware that Greece also has some strict laws relating to taste and decency, which can carry hefty fines. Even some fancy dress costumes may be regarded as offensive and violate the law.

In Mallorca and Barcelona, sunbathers who leave the beach still stripped to their swimwear could be fined as much as £500. And driving penalties in Spain can be much tougher than in the UK – just 1km per hour above the speed limit can result in a fine of around £400 for a tourist.

“If you’ve had a run-in with the law while you’re overseas, however small, it might be held against you if you need to make a claim for something,” adds Jonathan.

“It’s easy to throw caution to the wind when on holiday but it’s worth knowing the local laws and customs before you set off.

Be responsible for yourself and show respect for your foreign hosts”.

Happy Holidays!

MHannaBy Martin Hanna

Partner

Francis Hanna & Co Solicitors

For more information on this area, please feel free to  contact Martin by email at mhanna@fhanna.co.uk or alternatively please leave us your comments below
*APIL (Association of Personal Injury Lawyers) is a not-for-profit organisation whose members are dedicated to campaigning for improvements in the law to help people who are injured or become ill through no fault of their own.