Beach Travel

Contemplating committing fraud is a serious matter, but many people simply don’t realise that when they exaggerate a travel insurance claim they are actually committing fraud. While falsifying or exaggerating a claim may seem like a harmless ‘white lie’, in fact it is a crime.

While it may be tempting to embellish losses, this could lead to serious repercussions. There are now many companies offering cheap travel insurance with good quality cover, so that trying to make back or justify the money lost on unused insurance over a number of holidays doesn’t have to be an issue.

Here are ten facts everyone should be aware of when claiming insurance.

1) The problem of travel insurance fraud is huge in the UK – 750,000 Britons make false claims on their travel insurance by either falsifying losses or exaggerating how much they have lost.

2) Travel insurance fraud is so common that records from insurers show that Britons lose more Louis Vuitton luggage abroad than is ever actually sold in the UK! However, as a result of this kind of discovery, many insurers are now tightening up their fraud detection methods.

3) Many travellers exaggerate or falsify their claims – as many as five per cent of claimants add extra items to their reported losses as a way of getting a higher insurance payout and 11 per cent confess to increasing the value of their claim.

4) Many fraudulent claims involve falsified or doctored receipts, which are normally required by insurers as proof of the value of medical costs or lost or stolen goods.

5) The problem of travel insurance fraud affects all travel insurance policyholders, because the extra costs incurred in paying out on false claims results in higher premiums on otherwise cheap policies to cover those costs.

6) For those that are caught making a false claim, the punishment can be severe. Not only will they lose the money they have claimed for, they could also face further financial penalties for their actions.

7) Eighteen to 29 year-olds are by far the worst offenders, with 33 per cent admitting to lying when claiming on their travel insurance, compared with just seven per cent of over 50s.

8 ) Eighteen per cent of those who commit travel insurance fraud justify their behaviour by saying they are owed the money because they have not claimed before.

9) Ten per cent of those who commit insurance fraud take the attitude that it’s okay, because everyone does it.

10) The majority of claims are genuine.

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If you fancy an activity day in Wales that provides a real high-speed adrenalin rush, what could be better than spending it behind the wheel of a rally car?

Most people have seen rally driving on the telly, with the Le Mans 24-hour race and various other events involving high speeds, dextrous manoeuvres and moments of crashes and calamities as the competitors hurtle round the track, usually through areas of forest and always while whipping up a trail of dust or splattering mud as they go off-road and push themselves and their vehicle to the limit.

Now, with a rally driving voucher, experience days like this can be yours or given as a present, with the Forest Experience Rally School in Carno, Powys offering an unforgettable adventure.

You can go for a half-day or a full-day and in either case, you will get top instruction from the professionals as they show you how to do handbrake turns and other speedy moves. You will also get to ride with one of them in the climax to the day as they whizz around through the forest.

Before this, you get to don a crash helmet and take on the forest course yourself, competing against others with a trophy and certificates on offer.

For an adventure with an extra edge, you can even have a go at night driving, where the additional challenge of limited visibility and the thrill of the night-time atmosphere bring a new dimension to the experience and offer a further test of your newly-acquired rally driving skills.

Heading to the beach this summer? Summer time is a wonderful time to visit the beach. The beach can provide a lot of fun activities like sunbathing, volleyball, fishing, swimming and even camping. Taking the family out for the day or weekend creates quality time that can create memories that last for years. Here are a few tips to help make your next trip to the beach a safe and joyful one.

Sunscreen: Sunscreen is the number one item to have anytime you are heading to the beach. Use a high SPF rating and make sure it is waterproof if planning on entering the water.

Beach Towels: Carry along one or two beach towels for sitting on, they can even be used to help keep you warm on cool days or shield you from excessive sun.

Portable Sun Shelter: Lightweight and easy to setup, a sun shelter provides protection from the sun and wind. Great for storage of towels, coolers and clothes. These work very well for changing areas.

Safety First: There are many things you can do to keep yourself and your family safe while at the beach. Minimize exposure during the peak sun ultra-violet hours of 10am to 3pm. Where full length clothing that is lightweight and breathable, such as CoolMAX. Use shoes or sandals to protect your feet. Large brimmed hats or caps can offer additional shade and help keep you cooler. Have plenty of non sugar liquids, like water or sugar free juices. Wear high quality sunglasses, cheap sunglasses may not offer the UV protection you need.

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When you start out fishing as a beginner, every catch is something to celebrate. As you improve and you begin to catch fish more regularly, you want to take on new challenges. One of the most magnificent of these challenges is the steelhead. Idaho steelhead fishing is one of the best experiences a true fisherman can have, at least according to the ones who’ve been there and done that. But what makes it such a treat?

For one, an Idaho steelhead fishing opportunity involves one of the most highly desired fish in the world. The steelhead, or rainbow trout, can grow to be fairly large in size. Eighteen inch varieties are not that unusual in the wild as long as the fish have a good supply of food. They are predators so they do well in waters that are teaming with other fish and living creatures. In fact, you can find thirty inch fish hanging out in the Salmon River Canyon in Idaho.

Steelhead fish are closely related to Pacific salmon but are technically rainbow trout. The difference in names comes from the fact that steelhead fish go out to the ocean and back while rainbow trout do not.

Another reason why fishing for steelhead in Idaho is such a treat is that you won’t find many places where the fish is so plentiful. Some types of the fish are actually considered endangered because so much of the habitat has been destroyed and polluted by humans. Some of the fish have also suffered from enteric redmouth disease which can be bad for the fish but is completely harmless to humans. The disease even affects fish bred in hatcheries so supplies continue to dwindle. These fishing spots in Idaho are some of the only places where you’ll be able to hook a large steelhead.

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Another booming outdoor recreation in the Philippines is kayaking. More and more people, including foreign tourists in the country, are getting hooked to this aquatic sport. With more than 7,000 islands, the Philippines is indeed a perfect destination for kayaking enthusiasts.

Recently, the Department of Tourism launched a program promoting kayaking as a way of exploring various travel destinations across the archipelago. Officials believe that kayaking can entice more international tourists to visit the Philippines, which is home to festive events and colorful festivals.

One thing that differentiates kayaking from other water sports is that it does not ruin our environment. One can move freely above crystal-clear waters or explore secret coves and inlets while enjoying fascinating views of the country’s various natural wonders such as mangrove forests, limestone cliffs, and unspoiled coastlines.

Kayaking experts said the sport is easy yet challenging. One just needs dexterity and sheer courage to cut across seas, lakes, and other bodies of water. Several resorts and vacation rentals in the country include kayaking in their holiday packages. Safety always comes first, as most accommodations ensure that their clients are equipped with proper gears and equipment when paddling across water.

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It’s that time of year when you can take the family and meet friends at the beach. Summer is for soaking up the sun, cooking out, and enjoying the refreshment of the water. The beach is a huge place though, and there aren’t really any natural boundaries except for the ones you create when you settle down in your spot with your towels, coolers, and radio. Next time, why not take a beach sun shade, or a beach cabana? They can add a little privacy and your own personal space around you and your family.

A beach sun shade or a beach cabana forms a respectful boundary around you and your belongings. They also create a physical location for your kids and friends to find throughout the day. A beach sun shade is perfect to protect you from the elements during your time at the beach. UV protection is provided along with light rain and wind protection. Lightweight pole systems are sturdy and have extra pegs and sand pockets for added stability. Shutters and air vents keep you cool. So the kids can play in the sand, and so you don’t take home a bunch of sand in your belongings, sun shades and cabanas are often floorless.