NFOP Holiday Insurance

The National Federation of Occupational Pensioners is one anyone can join for £1.70 per month  if my memory serves me. I have been a member since I retired but have only just found out about their insurance scheme.

Up to 79 there is no health qualification providing you are not diagnosed as likely to die on the trip. It counts for cruises is worldwide, including the US and seems pretty comprehensive. £185 for a single running from March to March or part of, and £255 for a couple. It beats the £700 I am paying now.

Some of you may find it useful. I would be interested if anyone has used it.

www.nfoptravelinsurance.org.uk

Sounds extremely useful. Thanks 

Edit. Perhaps not as I don't have an occupational pension  

Jaytee wrote:Sounds extremely useful. Thanks 

Edit. Perhaps not as I don't have an occupational pension  

Sorry Jaytee, what have I missed?

Without looking too carefully it looks good for me. Pre existing illnesses and 60+ days single trip cover is what I am after.

dbroada wrote:

Jaytee wrote:Sounds extremely useful. Thanks 

Edit. Perhaps not as I don't have an occupational pension  

Sorry Jaytee, what have I missed?

Without looking too carefully it looks good for me. Pre existing illnesses and 60+ days single trip cover is what I am after.

I looked at the application form re joining and it requires detailes of occupational pension which I don't have.

Ah, I haven't got that far yet, and I don't know what one of those is. I know within the next 106 years I will get my state pension.

When I get home I will look a little more closely.

OK, I've now looked at the form for joining NFOP and will stop for now.

Interestingly I started a thread a couple of weeks ago asking about a different company and NFOP got a mention.

https://www.autosleeper-ownersforum.com/t20442-puffin-travel-insurance

There was a leaflet in this months NFOP mag. 
The spouses pension counts if they have one.

We joined the NFOP scheme as soon as it started (1st March 2017) as a couple for £255 per year. You have to pay by Direct Debit and sign up for it to be renewed each year on 1st March at whatever rate is specified at the time. Even so it looks good as pre-existing conditions are covered without having to go through "medical screening" and eventually be told, "cannot cover you", or, "£xxxxx more for those conditions". We have not yet made any claims, but I do not think that they will be any worse at meeting claims than any other company.

I am not 100% certain who qualifies for the NFOP, so I recommend asking them directly if you are interested on: 01622 766960 and / or look at their website at: http://www.csis.co.uk/nfop/nfop-travel/

What 'exactly' is an occupational pension?

Jaytee wrote:What 'exactly' is an occupational pension?

Google is your friend!

https://www.google.co.uk/search?q=occupational+pension&oq=occupational+pension&aqs=chrome..69i57&sourceid=chrome&ie=UTF-8

PB

peugeotboxer wrote:

Jaytee wrote:What 'exactly' is an occupational pension?

Google is your friend!

https://www.google.co.uk/search?q=occupational+pension&oq=occupational+pension&aqs=chrome..69i57&sourceid=chrome&ie=UTF-8

PB

Thanks PB    Nope, not got one  

If you have a self employed pension (ie you were self employed and paid money into some kind of insurance policy that is paying you a pension (or maybe a draw down arrangement) thi smight be clased as an "occupational pension".  It would be worth asking NFOP.  If you only have a State Pension then that is NOT classed as an occupational pension.  Nor do yu qualify if you have saved for retirement through ISA's or are getting an annuity that is not a pension annuity.  Occupational pensions are taxed as income on the whole amount whereas an annuity is taxed on the "interest content" only.
Sorry - pensions are really complex - I used to work on them.

Thanks Ron,

I did google it but was no less confused after that than before. I think I understand it a bit more but still don't know if I qualify. Sounds like a phone call is required.

Does anyone know of an insurance that offers 90 day single trip cover?

Ray

"Anyone who is in receipt of a pension, or are a deferred member of a pension scheme, can become a member of NFOP. This includes anyone with a State Pension."

Quoted from:

https://www.nfop.org.uk/about-us/individuals/

rogerblack wrote:"Anyone who is in receipt of a pension, or are a deferred member of a pension scheme, can become a member of NFOP. This includes anyone with a State Pension."

Quoted from:

https://www.nfop.org.uk/about-us/individuals/

Thanks Roger. I just went round in circles on their website without finding any real information. Maybe I should click a little bit slower.

Thanks Roger