did you realise that the NHS will recover costs of treatment if you are in a RTC?
I don't think you realise the stress and paperwork involves with that tj.
Trust me insurance is less hassle all told.
We had years of court battles and therapy.
Having lived both scenarios - I wouldn't be traveling abroad uninsured unless the cost was prohibitive. Even less so if I had any seizable assets.
Man I am not shitting on your lived experience - sounds utterly horrendous. That comment was not aimed at you at all.
Don't worry about it. I'm genuinely just trying to get across the point that it really isn't worth the saving on insurance unless you've no dependants who have to deal with the fall out - 10 years ago my credit card took a battering to get my old man treated at Grenoble after his crash because marker study underwriters wouldn't authorise treatment without speaking to the insured..... Slight issue there. Marker study also operate out of Gibraltar and so ombudsman has no teeth. This was an MCN group test touring insurance best buy insurer. -so clearly they paid MCN for that review.
Just noticed someone's post above. I'd like to praise l+g life insurance. They have been absolutely top notch dealing with our claim.
Despite my old man dying of a cardiac arrest and having a (declared) pre existing condition of cardiac issues.
Coop repatriation services were also top people despite being subject to the "hack" . Both companies assigned me a specific person and supplied me direct phone lines and only that person dealt with me. Made conversations flow and no going over old ground every time a new call centre operator took it on.
Made a shit situation slightly more bearable.
