The foreign and commonwealth office draws up an extensive list of countries that should not be traveled to quite regularly and it is from that our, and other global travel insurance providers’, underwriters decide which countries travel insurance should be provided for. We look at the government travel advice and decide from that whether or not we can provide insurance to travelers.
Although global travel insurance does, by its nature, cover the majority of the world, the current climate ensures that there are some places where the likelihood of incident means that UK travel insurance providers are unable to offer protection. Thankfully, the list is clear of the majority of popular holiday destinations, and you’re unlikely to have your big holiday plans affected. The most likely group to have their travel plans altered by the foreign office’s travel advice are business travelers.
The foreign office’s travel advice is not to travel to the following countries, even if it means losing business – the risk from the war-zones listed below is just too great to make the reward worth the danger:
Here’s our top 10 countries to avoid traveling to, and the reasons for the high risk factor! The risk is far from conclusive (the foreign office’s travel advice lists many more countries), but to me, these are the ones that all travelers should avoid like the plague:
10) Liberia
Economic hardship in Liberia is currently making outbreaks of violence common, and foreigners (especially westerners) are at risk targets due to their affluence. This extra likelihood of incident ensures that no UK travel insurance provider would risk offering you cover if you choose to visit Liberia
9) Nepal
Occasional acts of terrorism and political violence in urban areas make Nepal off-limits for those who want to get travel insurance. In September this year, three nearly simultaneous bombs went off in the capital of Kathmandu, killing 3 and injuring many innocent bystanders.
8)Haiti
Haiti is considered off limits to many travelers on account of the high risk of kidnappings and civil unrest that is prominent. At the time of writing, there have been 12 kidnappings of American travelers in 2007 – mostly criminal in nature. In the past, these kidnappings have ended in physical and sexual assaults and shootings. The potential for spontaneous protests and demonstrations has also been known to result in unexpected violence, day or night. It’s no surprise that the government’s travel advice is not to travel here!
7)Yemen
Due to the high levels of terrorist activity in Yemen, westerners are advised to steer clear of Yemen. If this is not possible, then all travelers are encouraged to stay vigilant and to keep a low profile to avoid attacks or kidnapping. The situation is so grave that the US Embassy often restricts American citizens from certain hotels, restaurants and shopping areas.
6)Israel
The Gaza Strip and West Bank has seen immense violence in recent months between Israeli and Palestinian factions, and shootings, kidnappings and violence demonstrations have occurred in each. The region’s continued instability makes travel to Israel widely recommended against – the risk of abduction or worse makes travel insurance impossible to obtain.
5)Democratic Republic of Congo
The democratic republic of Congo remains one of the most dangerous places to travel in Africa, where violence, neglect and corruption has left the country distinctly damaged. Fighting erupted in the streets of Kinshasa in March this year, and the situation remains volatile despite the immediate threat of violence calming down. Travel outside of Kinshasa is difficult and dangerous with security, especially in the north and easy, being unstable. Any traveler brave enough to travel to the Congo should be extremely cautious, avoid the North Kivu district which is the backdrop to armed conflict between government troops and army rebels, avoid crowds and keep a close eye on local media.
4)Burma (Myanmar)
While the human rights situation makes Myanmar an ethically uneasy place to visit, currently there is a lot of personal risk involved as well. Throughout September, the anti-government protests sparked a violent crackdown from the authorities and made international headlines. Although the dusk-til-dawn curfew imposed in some of the towns has been lifted, it still remains an uncertain time to visit the country and you’re unlikely to find any global travel insurance company who will insure you.
3)Colombia
Colombia remains one of the most dangerous places to travel in the world thanks to the crime the country suffers from. The illicit drug trade in urban areas such as Cali and Buenaventura means that there is often a high risk of violence, while the more rural areas expose visitors to the country at risk from narcoterrorist groups who will often kidnap civilians to use for ransom or to gain media attention. Naturally UK travel insurance companies are loathe to insure travellers who choose to ignore these warning and travel to Colombia anyway.
2)Afghanistan
With the war on terror in Afghanistan still fresh in the mind, it’s no surprise that the country remains a big no-go area. Western tourists are obvious kidnap and assassination targets, as many of the disbanded Taliban and Al-Qa’ida forces remain at large and hostile to the new regieme. Additionally, the country remains unsafe due to tribal groups, explosive devices, landmines, military operations and acts of terrorism. Unsurprisingly, the government’s travel advice is to avoid traveling here at all costs!
1)Iraq
Given the high profile nature of western kidnappings by various insurgent groups, and the regular acts of terrorism and hostility to Western troops, it is no surprise that no travel insurance companies will insure travelers to the troubled country. The instability is caused by various groups – Ba’ath regime remnants, transnational terrorists and criminal elements have been known to attack convoys en-route to venues, hotels, restaurants, checkpoints and police stations.
While holidaymakers are unlikely to be affected by these less touristy locations, their riskiness means that business travelers will have to forgo their travel insurance if they are unable to cancel their trips.

True, Tripadvisor, Frommer’s and the Lonely Planet are some of the best online travel communities going, but they’re far from the only ones amongst the greats. So go on, expand your travel community horizons and check out our 7 Best Off The Radar Travel Communities:
1. Travelistic
From YouTube to Hulu to Yahoo, were a video obsessed bunch. Travelistic has cleverly taken this to head and created a travel community wholly centred around video.
Log on and you’ll find over 10,000 user submitted travel videos, to view, comment on and inspire your future travels. Want to visit the Great Wall? Journey to the top of Everest? You can do it all on Travelistic, without ever leaving home.
2. Igougo
A masterful all in one travel community, where you can plan your trip, compare flights and hotels and share your travel experiences with the world.
Just type in a destination and you’ll be instantly connected to a plethora of photos, reviews and users who have traveled or reside there. When you’re ready to go, create your very own trip journal and give back to the community by sharing your own travel experiences.
3. Trip It
Less of a travel community and more a travel service, Trip It is perfect for the organization nut in all of us. Just enter your flights, hotel stays and destinations and let trip it create an optimized travel itinerary for you in seconds. Never miss another plane or train again.
For those who truly want it all, upgrade to the pro version and Trip It will automatically alert you if there are changes or delays in your travel plans. That means less time at the airport, and more time at the beach.
4. Dopplr
Create a map with the dates and location of your travels; share it with the Dopplr community, check out other’s maps, then meet up with those whose travel plans overlap with your own. If you’d like to keep your location a secret from some (mom, dad, a raging x), don’t worry, you can control who can and can’t see where you are.
Along the way you’ll get a wealth of location specific travel information, so you’ll always know where to stay, where to eat, and what to do. Taking the thinking out of traveling, we like that.
5. Travbuddy
Travbuddy’s got all the ingredients that make for a killer online travel community; helpful forums, honest reviews, stunning travel photos and a dedicated membership 1.5 million strong.
Travbuddy ups the ante by giving you your very trip blog, allowing you to easily post your stories, pictures and reviews as you go. There’s even a built in mapping feature that builds a map of your travels as you venture across the earth.
Wherever, you’re headed, this is one buddy you don’t want to leave behind.
6.Travelers Point
Besides being a great place to plan, book and share your next trip, Travelers Point has hands down one of the best travel resources on the web; wiki travel guides.
These 100% user created and edited travel guides, give you the collective wisdom and travel experiences of over 250,000 members, right at your finger tips. From country and city guides, to travel health and safety information, you’ll find everything you need to get in the know, before you go.
7. Travel DODO
Travel DODO takes travel reviews and puts them into a fun, easily digestible format, Travel Do’s, and Travel Don’t.
Want to find out which restaurants, hotels and attractions are best avoided in France? Just click on the location on the interactive map, and you’ll be given a list of places to cross off your list (travel don’t), so you spend your valuable vacation time wiser.
Frankly, you’d be a DODO, not to check up here before you GOGO.

Although the words Eco travel have been popping up a lot more over the past few years, its definition is often misunderstood or not known at all. Possibly you have also heard the word Eco tourism and they are used interchangeably because of their common definition. So what do they mean? Eco travel is planning a responsible vacation to places that conserve the environment. They also contribute to the well being of their community while practicing ethical policies.
The amount of interest in Eco friendly travel has soared, as people become more and more aware of environmental issues. Recycling and reducing vehicle emissions. Lowering the use of energy all makes a difference. Now your Eco travel vacation can also make a difference.
There are different things to look for to know if the vacation your are planning is environmentally and socially friendly. Let’s say for an example you went to a resort. You would check if they use environmentally friendly, recycled products? Are they committed to preserving their wild and marine life and the environment? Increase knowledge of local community and benefits socioeconomically and affordability? Not using wasteful products to make the area more attractive? Do the profits go back into the community? Do they employ local people and pay them fair wages, which is referred to as fair trade? These are all things to consider before deciding on your destination
Government and local communities are starting to work together to conserve their environment while providing much need employment in the area. There are many programs now available to help people in the tourism industry and program directors increase their knowledge of Eco travel, Eco tourism. Consumers that are ethically aware of fair trade have drastically increased sales in the tourism industry by over 50% on any given holiday.
There are now a wide variety of areas in different Countries that offer Eco travel vacations. The industry has grown so much over the past few years that it has become difficult to choose which one. From Costa Rico to Hawaii to Antarctica the choices are endless. Be aware of conservation of our environment and make Eco travel part of your next vacation.

Italy is a hot vacation spot and there is so much to see you can get quite overwhelmed planning your vacation. Everybody feels compelled to hit the big three, Venice, Florence, and Rome. These are incredible cities with many great sites to visit and famous objects (art, architecture, etc.) to see. Here’s some Italy travel info to help you plan a better trip.
Here’s a simple fact, you cannot see everything in a single vacation, and the attempt to do so becomes very stressful, robbing you of the fun and excitement you planned. The thousands of years of history found in Italy (about 5,000 years of civilized history to be more precise) make it impossible to absorb in a few days, weeks, or months. You need to decide what you really want to see and build your trip around this rather than try and see everything. I would like you to think about a better way to see Italy with less stress, less expense, and more enjoyment. How? Plan your trip and get out of the major tour cities and into the lesser strained hill towns and fortified villages.
Say you are planning a trip to Florence. Identify the top three to five sites you wish to see and give yourself two or three days to see them. Once this is scheduled, take out a map of the region and start looking at the many incredible sites within a couple of hours of Florence. The big secondary sites include Pisa (worth a half a day at least), Lucca (also worth at least half a day), and Montecatinni (a spa town with open markets, grand parks, and an ancient hill town overlooking the town below). To the south of Florence are such well known sites as Siena (easily worth a full day), San Gimingano (get here early to avoid the crowds), and Volterra (worth at least half a day and one of the most interesting of Tuscan hill towns).
By picking day trips to one or two of these other towns between your planned excursions in Florence will allow you to experience a more intimate Italy. Enjoy a walk along the curtain wall surrounding Lucca (the wall is now a park and trail), then pop over to Pisa for a gander of the Tower, Basilica and more white marble than you have ever seen in one place. Another day you can stroll the narrow medieval streets of Siena, Then head on over to Volterra and explore the Etruscans, Romans, and the architecture and fortifications of a typical walled hill town.
Each of these towns is rich in history and tradition and will give you a better sense of rural and small town Italy. Each of the big three have dozens of great secondary sites nearby, all worth a visit, making planning trips as described above easy and fun.
Relax and get in sync with the slower pace of rural Italy, wander the myriad shops and cafés, and watch lovely sunsets or sunrises. A trip to Italy should be fun, relaxing, and truly a trip of a lifetime. The true beauty of Italy is that you can have several of these “trips of a lifetime”, never seeing the same places twice (unless you want to, I know we have).

A travel website that does not sell travel but enables travelers to save money on travel as long as they do their own bookings is now offering services to internet travelers. This service is a unique addition to travel options for all travelers comfortable with direct bookings using a new type of travel document called a TopTravelVoucher.
The operators of this service are addressing the issue of travel pricing which often includes a 10 to 25% mark-up to allow for the payment of travel agent commission to either wholesalers or retailers but when travelers buy directly from the provider (accommodations, tours or transportation) they can still pay the price inclusive of commission. To overcome the travel providers’ problems of showing multiple prices for the same products and services on their websites, they can now offer ‘fair fare prices’ by issuing TopTravelVouchers.
Travel Providers are given marketing and promotion in exchange for their own travel vouchers, equivalent to or more than, the commission that would be payable upon sale of their various travel packages and services, so they still incur the commission cost on sales but do not have to alienate their distribution chain of wholesalers and retailers by offering a retail, wholesale or ‘direct’ price on their website. This is done by the voucher operator who sells their vouchers to travelers at deep discounts to their redemption values to be used when making direct bookings, hence a travel agent who does not sell travel, only travel vouchers and therefore is not a travel agent.
According to the website information of the voucher operator, they are able to offer the ‘Fair Fare Price’ option because they do not have the normal operating costs of travel agencies such as shops, reservation systems, brochures, advertising and high staffing levels, but can still offer the traveler and the travel provider a service that is fair to all users.
Before purchasing TopTravelVouchers, travelers are advised to check for quality and availability directly with the website of their travel selection and when satisfied, make a direct booking mentioning the voucher, then purchase the voucher. All vouchers come with a 100% money-back guarantee and in the event that the traveler is not happy with their travel purchase upon completion, the cost of the TopTravelVouchers will be reimbursed and the matter taken up with the provider.
There are three levels of vouchers, $30, $50 and $100usd achieving various levels of savings but to give an example, at the time of this article there was a voucher valued at 1,500 euros (around $2,000usd) on sale for $100usd. If the vouchers are purchased outside of the USA the price is shown in the relevant currency. All vouchers are issued online and the provider is also sent a duplicate with the traveler details to encourage assistance in any travel itinerary planning of the traveler.
So as not to deter expert travel agents and agencies from participation in this service the site invites them to identify any destination and activity expertise and to also offer vouchers to encourage travelers to seek out expert professional agents. Many retail agents offer their own travel packages and tours and many are comfortable in dealing with new clients from anywhere in the world over the internet, telephone or skype. The site cautions travelers to be careful when selecting ‘specialist’ agents who are not necessarily experts and who may have just taken a simple test operated by a tourism office or tour operator promoting their own destination or products.
The travel selections with TopTravelVouchers are limited at present but the site operators are confident in the growth potential, but if you want to see what is available, you can find them at toptravelsites.

This is a list of creative travel blogs that I read and follow. They are written by independent travel writers, the list include those that I consider as heavy-weights in travel blogging. These bloggers are associated with large travel sites/blogs but their focus is on living a unique life (getting to see the world around them) and be an insightful writers. All of them are fun and inspirational to read.
Blog: Everything-Everywhere
Writer: Gary Arndt
Gary has been on the road since 2007 as a professional traveler. On the blog you’ll find interviews with leading figures in the industry like Laura Bly from BlyOnTheFly. The posts are factual yet personal as they include Gary’s insights and reasons for visiting each of the destinations. Everything-Everywhere is the top travel blogger on Twitter according to its Klout score.
Most recent post: This Week In Travel – Episode 152
Blog: Nomadic Matt
Writer: Matt Kepness
Matt offers practical and tactical advice about how to travel better, cheaper and longer. The blog gives down-to-earth details about the best ways to explore the world. The blog is more of a collection of useful tips rather than a chronicle of Matt’s adventures although there is a travel guide section with info gathered from Matt’s travels since 2004. The site includes videos and a list of resources.
Most recent post: How To Travel Anywhere For Free
Blog: Go-See-Write
Writer: Michael Hodson
Traveling since 2008 he circumvented the globe without getting on a plane. The blog includes Michael’s adventures and experiences as he goes through each of the travel destinations. Dubai travel is included in the long list of destinations you can read about and there is a section of travel destination tips. The blog is a personal journey of a solo adventurer exploring the world.
Most recent post: Visiting One of the World’s Highest Lakes
Blog: Fox Nomad
Writer: Anil Polat
Chosen by the Huffington Post as one of the top travel writers to watch Anil is a full time traveler but a gadget geek as well, so the focus of the blog is often on the technical aspect of travel. He often visits countries which are off-the-beaten-track and gives practical advice about how to cope in places like Yemen and Iraq. On the blog you’ll find destination tips, tech posts, resources and insights into green travel and culture.
Most recent post: The Landmarks To Look Out For When Flying Into Istanbul
Blog: Legal Nomads
Writer: Jodi – A former Lawyer from Montreal
She has been traveling and eating her way around the world since 2008 and the blog focuses on food, culture and her adventures. One of the plus points about this travel writer’s blog is that it is ad-free (except for Amazon links) which makes it a very clean-cut blog to look at. This is a good blog to watch if you’re into food related travel, the blog is on the MSN list of top travel blogs.
Most recent post: Thrillable Hours: Doug Barber, Co-Founder of Minaa
Blog: Almost Fearless
Writer: Christine Gilbert
One of the top ranking travel & leisure blogs written by a mother traveling with her family since 2008, this blog has beautiful photography and the blend of family, self and travel. The family travel focus can be seen by the blog sections – life, kitchen, photos and kids. You’ll find some useful destination tips but more general life insights.
Most recent post: How I Spent 10 Years To Get Where I Started
Blog: Camels and Chocolates
Writer: Kristin Luna
One of the top travel writer blogs according to Elliott.org and other “top” lists due to the well written text. The writer is a professional journalist, has interviewed the stars and in addition is a travel addict. She covers a long list of travel destinations recording her adventures with the occasional travel destination tip thrown in. The blog boasts many photos of the travel writer in the various travel destinations.
Most recent post: Photo Friday: Columbus, Ohio
Blog: Johnny Vagabond
Writer: Wes
Another of the Huffington Post picks for best travel writer blogs, the charm of this blog is in the well written descriptions of the writer’s adventures. Wes is traveling around the world on a tight budget and taking brilliant pictures as he goes. The writing is engaging, intelligent and entertaining as well as giving you plenty of info about the travel destinations.
Most recent post: A Love Letter from the Philippines
Blog: 48 Hour Adventure
Writer: Justin Morris
A very useful and highly practical blog where each post is dedicated to a 48 hour plan of what to see and do in various travel destinations. What makes this travel & leisure blog standout is its no-nonsense usable quality. You’ll find a “48 hours in Dubai” post if you’re interested in Dubai travel, listing sites, how to get around, orientation and plenty of large photos.
Most recent post: 48 Hours in Reykjavik
Blog: Global Grasshopper
Writer: A team of travel writers Gary and Becky
Unlike many of the blogs on this list it is not a chronicle of any one person’s travels but rather a collection of inspirational travel stories and travel destination tips written by travel writers. For example you’ll find “top 10” lists, cool hotels and beautiful places as well as the section for travel snobs!
Most recent post: 10 of the Best Travel Destinations
Blog: Travel Business Success
Writer: Tourism Tim Warren
Since 1994 Tourism Tim Warren works to inspire, guide & connect tourism pros’ to realize their dreams. From Michigan to Mongolia, Baja to Bolivia, “Tourism Tim” Warren has helped 1000’s of small start-up tour operators to international business development agencies increase sales, arrivals and profits via his book, online courses and webinars. An entrepreneur at heart, he enjoys helping current & future travel entrepreneurs succeed financially following their passion of a profession in tourism.
Most recent post: 5 Travel Website Sales Tips
Blog: Y Travel Blog
Writer: Caz & Craig Make-peace
Caz & Craig originally from Central Coast of Australia alongside their daughters have been traveling round the world. Y Travel Blog was started in April 2010 as a way to share personal travel tips and stories to help others live their travel dreams. There consistency, dedication and global travel knowledge makes their travel site one of the best.
Most recent post: What a Day at Famous Hyams Beach Looks Like

Those of you who own a vehicle or taxi need to purchase the right type of insurance, so that you are adequately covered in the event of an accident or untoward happening. Irrespective of whether you own a taxi or a fleet of taxis, it is imperative that you buy it and make sure that it meets your budget as well as requirements. There are a number of taxi insurance providers who offer discounts, if you purchase the insurance online. The best way to identify taxi insurance is to browse the internet. There are online insurance directories that will direct you to the respective insurance provider and within minutes, you will have complete information at your finger tips.
Check out for insurance comparison websites as they will be able to guide you choose the right policy for your requirements. To begin with, you may want to invite insurance of taxi quotes from three to four providers and based on these, take a call on the right policy. Fill in the insurance of taxi quote form and email it to the sites. Within minutes, you will have the filled quotes or quotations. The quote form will ask for some basic information and based on the data provided by you, the insurance provider will tailor-make the policy.
There are many ways of attracting good discounts on your taxi insurance premium. Having a clean driving record will help you achieve this. The lesser the number of accidents, the greater are the benefits. Similarly, over fifty drivers also get the benefit and good discounts on their insurance of taxi. Above fifty drivers are considered as matured and are less accident prone.
The taxi insurance premium may vary from one location to another. The type and model of the taxi also have a bearing on the insurance premium. Insurance providers encourage taxi owners to purchase the policy online as they can also get the benefit of good discounts. Once you have bought online insurance of taxi, you will be sent proof of the policy. You only have to take a print out of this copy which is a valid and legal document.
Depending on the number of taxis or vehicles you own, the insurance premium would vary. You may want to go in for group taxi insurance if you are running a fleet of taxis. The experience and age of the taxi drivers may also be taken into consideration by the authorities before extending the policy. The lesser the risk, the lesser will be the premium and vice versa. It is important to understand that a basic insurance of taxi policy may not always be enough. You may have to check out for a policy that extends other advanced features. In the event of an accident or damage to your taxi, both the parties do not have to bear the brunt of the accident.
It is advised to take adequate medical cover for the driver along with the taxi insurance, so that the coverage is spread accordingly and claiming compensation becomes simpler and easier.

Pick up some free California travel guides today to start planning your vacation to the land of sun and fun. No matter what time of year it is, you will find something in California to entertain you. In the winter, California still boasts warm temperatures and year round theme parks for your entire family. In higher elevations, you can find great places for skiing, so plan to hit the slopes for your next holiday vacation.
In the summer, California is particularly dynamic, as you will see when you visit the multiple beaches and enjoy the perfect temperature. When you look at free California travel guides, one thing they might not mention is that you should plan ahead.
Especially during the summer, you might find many hotels are booked, especially those hotels that are around public attractions. Expect longer lines during these summer months, and know that you might have to go exploring to find a spot of beach to keep to yourself.
If you want to avoid the crowds, fall is a great time to do that, and you can explore the many wine regions. Many free California travel guides can point you to the best ones in the area you plan on visiting.
Look through your free California guides to find the places worth visiting. Of course, you have the main, well-known tourist attractions, like Disneyland and Disney’s California Adventure. You have most likely heard of the Grizzly Creek Redwoods State Park, where you can be amazed at the immensity of the redwood trees. Take a trip to SeaWorld and Mission Bay, which are perfect locations for the entire family.
If you are looking for great family vacation spots, find free California travel guides that highlight these attractions. For example, there is the National Yo-Yo Museum, which is always a favorite with kids. There is Universal Studios, Six Flags Discovery Kingdom or Birch Aquarium, all of which are great locations to bring those with short attention spans. Free California travel guides should help you find places that interest you.
Alternatively, if you are traveling to California for a romantic getaway, one free of children, then choose free California travel guides that capitalize on that fact. Have a fun day out parasailing and walking around the heart of San Francisco before cozying up in one of the many romantic dining options available in California.
No matter which city you visit, you will find relaxation in the surrounding spas, culture in multiple museums and fun with all the different recreation places and parks. Using the various free California travel guides, you can set up the perfect vacation in no time, so get started and put it off no longer!