When airlains damaged or lost our luggage...

Up to one thousand euros you can get from the airlines for damaged or lost luggage. To prove its value but we need to provide receipts for the same suitcase and its contents, and it's confusing to passengers. Compensation should also be made in the event of cancellation or flight delay.
In case of problems with your luggage should act immediately upon arrival at the destination airport.

Once at the airport we do not find our luggage, we report to the lost luggage and get out there, which is a form of irregularities.
If you can not find the luggage at the airport, to be of service to determine the point where the case actually flew. However, if the baggage is actually lost or damaged, you must file a claim with the carrier.
The upper limit of the liability of airlines is about one thousand euro, but this does not mean that this will be just compensation. Its amount depends on the value of your baggage. It can be proved only by the presentation of receipts and bills.

This is embarrassing, but I really need this to prove the damage that we have suffered. It happens more often so that carriers chcąc evade the payment of compensation in the form of a specific amount, offer or purchase on favorable terms suitcase on the website of the carrier just because he leads such a shop with suitcases, or provide a ready suitcase much lower quality.

Non-performing loans

When a bank customer requires enforceable for that client, this means only one thing - the bailiff and the bailiff fees. In this way the bank exercises its duties. The Collector is a specific part of the debtor's income and thus the bank is repaid. In many cases, it takes years. People who have non-performing loans of the bailiff are very sticky situation. Occupied by the bailiff always part of the revenue is properly calculated according to different parameters - what is is the last for life, but most unfortunately not enough.
In theory, a loan from the county court bailiff is granted to a large amount - let it be a hundred dollars. It seems that it's not much, but nevertheless, if someone is in debt, and his household budget literally bursting at the seams, then these two gold very much. The more that a loan from the bailiff shall be given to a high percentage - you borrow for two weeks two hundred zloty, but to give you two hundred and fifty. For people in financial straits is no financial aid for debt. If someone has a writ of execution, the financial aid for debt also will not come from the bank about it in such a situation can be completely forgotten. But before we take into account the loans for debt with the bailiff, you may want to think about another solution.

When airlines misplace your luggage

If the baggage is damaged, destroyed or lost, we have the right to claim compensation up to 1000 SDRs (international unit, currently around 5 zł). However, his request to be notified not later than within seven days of receipt of the damaged baggage, and for delay - not later than 21 days from the date of its receipt.

How to apply for compensation
* Be collected documents relating to expenditure - all receipts and bills can be useful in the demonstration;
* Try to get a written confirmation of the facts by witnesses or the police;
* Get ready complaint to the carrier - a claim should be factual, carefully Let us list what we expect from the carrier, and what reason;
* We join the complaint copies of documents - tickets, receipts;
* Send the complaint by registered letter with acknowledgment of receipt or by e-mail;
* Waiting for a response 30 days;
* If you do not get a response, you must file a complaint with the Office for Civil Aviation.

The sum insured

Less important than choosing the right insurance protection is to determine the sum insured. It should be sufficient to cover the cost of treatment in the country where we will spend their holidays, as well as a possible transport to Polish. It is widely known that the cost of treatment abroad is high and depends on the region of the world. Take advantage of the advice of security experts who will advise you what amount of insurance will be adequate to the real cost of treatment in a vacation spot. Please note that the cost of travel insurance is also dependent on the state of health care and access to medical services in the country you are planning a trip. Insurance companies take into account other risk factors, such as associated with the political and social situation in the area.

Travel insurance policy

Choosing the right travel insurance policy is an important element of the planning and organization of every trip vacation, spent both in the country and abroad. Therefore, it is worthwhile to take this decision at the last minute, but I've read the detail of the offer available on the market and adjust policy to meet your needs. Appropriate insurance to provide peace and comfort throughout the duration of the journey, from the day of departure until you return home. No insurance in the event of sudden illness or accident during the holidays can seriously affect the health of the family budget.

A form of recreation, and health insurance cover
Of key importance is a form of relaxation. Depending on whether you prefer blissful laziness on the beach, or actively practicing extreme sports, the scope of protection should be different. Standard travel insurance cover reimbursement of medical expenses, the payment of compensation in the event of an accident, baggage insurance. If you plan on scuba diving, or rock climbing alpine necessarily have to purchase additional insurance options. However, it is best to check that active forms of recreation require extension of insurance. In addition, people suffering from chronic illnesses and the elderly should take out a policy providing protection in the event of a sudden deterioration, the need to use the services of a specialist, or death. Extending insurance with additional variants makes its price increases. But security experts point out that the policy is not what to save, because the peace and comfort of rest are worth the tens of dollars.

Your flat when you are on vacation

Holiday period is a time of travel. We leave our homes to go to, and the long-awaited dream vacation. But often we are concerned about the safety of our homes while you are away. Learned this young couple Sophie and Andrew, who after returning from vacation last year they found his apartment was completely robbed. The thieves pulled out almost everything. Marriage was not even insured dwelling. This year we decided to be more careful. They will try to keep the basic rules of safety to their property not fallen prey to thieves.

Andrew suggested that first of all make sure to take out an insurance policy. The insurer should choose a suitable policy which takes into account such as theft, but other events such as: fire. Therefore it is very important that we got acquainted in detail with the General Conditions of Insurance, and not rely only on assurances representative of the insurer. We should also remember that we can count on having a flat discount eg doors, locks approved or roller shutters. 'll Find out about it by signing policy. Please read the suggestions of many insurance companies, comparing the deals to choose the appropriate and most beneficial for our needs.

Holiday - be safe!

Going to a foreign holiday? Think of tourist insurance because NHF card probably not all medical services for free. When choosing among offers so try to pay attention to their scope.

Based on issued by the NHF EHIC [European Health Insurance Card] to use primary health care in EU countries as well as Iceland, Norway and Switzerland. This card does not, however, provide you with all the benefits for free. EHIC does not cover treatment in private institutions also card gives only such powers as are granted to nationals of the country. Any additional charges must be paid the same. EHIC does not warrant the Polish transport and transport the patient by ambulance to the country is expensive.

Buying travel insurance is worth so pay attention to its zakres.Polisa on vacation may cover the costs of treatment, preferably with the assistance, or additional services helpful in case of unforeseen events. The insurance shall be at least 80 thousand, the cost of the rescue and exploration, personal accident insurance in the amount of at least 10 thousand, OC guarantee coverage for damage caused to others by the insured, the cost of transport from the scene to a medical sausages and abroad to the country , the cost of the cancellation of an earlier departure and return, and insurance against the loss or damage to baggage.