Time Travel Insurance
Being a time traveller has many benefits, and being able to visit strange and exotic places all over the world (and other worlds) is certainly one of those.
However, while being a globe-trotting time traveller has plenty of positives, there's often danger waiting around every corner. Whether you're being mistaken for a reincarnation of the High Priest of Yetaxa in 15th century South America, or you're being chased down by robots 200 years in the future, you can be sure that there will always be something that takes you by surprise.
This is why no serious Time Lord would ever consider stepping into their TARDIS without time travel insurance.
What point in time will you be travelling to?
One of the first things that you must consider when purchasing time travel insurance is the time period you will be travelling to. Obviously there are certain eras that will present you with more perilous circumstances. A person travelling to the 1990s, for instance would face premiums a lot lower than a similar time traveller who had planned to visit a relative during the Crimean war.
The more adventurous traveller may choose to go even further back in time. A dinosaur enthusiast might opt to go back to the Cretaceous period in order to view the mighty Tyrannosaurus Rex. While they may get some fantastic photographs to show their friends on Facebook, insurance companies look upon this kind of extreme time travel with trepidation, and you'll find that premiums will rocket.
How will you be travelling?
There are many ways to travel through time. Time Lords would choose to travel in relative comfort in their TARDIS. It has been known for people to travel in homemade vehicles such as the famous DeLorean that Martin Seamus "Marty" McFly successfully managed to transport himself in when heading back to the future. However, some insurance companies will refuse to insure you if you are travelling in a vehicle or machine which is not approved by the Time Travellers Safety and Wellbeing Authority, so make sure you're aware of this before starting your journey.
What will you be insured for?
It is quite a common occurrence for people to simply choose the cheapest product when they are selecting their time travel insurance. It is important to understand that just because a policy may be the cheapest it doesn't mean that it will necessarily be the best for you. So what should you be looking for in your policy?
Cancellation and Curtailment
How many times have you heard of someone booking a fortnight in Florence during the Renaissance, only to have their plans scuppered when their time machine breaks down (often due to a faulty flux capacitor)? It's a constant worry for time travellers around the world and similar to regular travel insurance policies, you should be looking for cancellation cover.
Baggage and Personal Possessions
When travelling to different time periods your personal possessions hold an added importance. Imagine being stuck in the Wild West in the 1890s without your Sonic Screwdriver to get you out of any tricky situations. Doesn't bear thinking about!
Moneysupermarket's useful tips
We always advise that you should be extremely careful when travelling back in time. Even the slightest change in the past can severely affect the present, and this is why we often recommend that causality cover is taken out as a precaution.
On a lighter note, it's also worth checking all of your pockets before you travel forward through time. A rogue banana or punnet of grapes left in the pocket can end up a sticky, mouldy mess by the time you've reached your destination, and you may find that you're not insured for a replacement jacket.
This is fictional and insurance is not available for such events or property