NFOP Holiday Insurance

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NFOP Holiday Insurance

Post by Peterm on Tue Mar 21, 2017 1:13 pm

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
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Re: NFOP Holiday Insurance

Post by Jaytee on Tue Mar 21, 2017 1:34 pm

Sounds extremely useful. Thanks up!

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

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Re: NFOP Holiday Insurance

Post by dbroada on Tue Mar 21, 2017 2:42 pm

Jaytee wrote:Sounds extremely useful. Thanks up!

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

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Re: NFOP Holiday Insurance

Post by Jaytee on Tue Mar 21, 2017 2:46 pm

dbroada wrote:
Jaytee wrote:Sounds extremely useful. Thanks up!

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

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Re: NFOP Holiday Insurance

Post by dbroada on Tue Mar 21, 2017 3:36 pm

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.

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Re: NFOP Holiday Insurance

Post by dbroada on Tue Mar 21, 2017 3:55 pm

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.

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

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Re: NFOP Holiday Insurance

Post by Peterm on Tue Mar 21, 2017 4:37 pm

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

Post by Spospe on Tue Mar 21, 2017 4:42 pm

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/
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Re: NFOP Holiday Insurance

Post by Jaytee on Tue Mar 21, 2017 7:13 pm

What 'exactly' is an occupational pension?

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Re: NFOP Holiday Insurance

Post by peugeotboxer on Tue Mar 21, 2017 9:03 pm

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Re: NFOP Holiday Insurance

Post by Jaytee on Tue Mar 21, 2017 10:43 pm

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  up!  Nope, not got one   quick_run

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Re: NFOP Holiday Insurance

Post by inspiredron on Wed Mar 22, 2017 1:17 am

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.

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Re: NFOP Holiday Insurance

Post by dbroada on Wed Mar 22, 2017 11:25 am

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.

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Re: NFOP Holiday Insurance

Post by Libraryman2 on Wed Mar 22, 2017 11:56 am

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

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Re: NFOP Holiday Insurance

Post by rogerblack on Wed Mar 22, 2017 1:16 pm

"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/
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Re: NFOP Holiday Insurance

Post by dbroada on Wed Mar 22, 2017 1:45 pm

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.

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Re: NFOP Holiday Insurance

Post by Jaytee on Wed Mar 22, 2017 1:51 pm

Thanks Roger up!

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