Choosing The Right Travel Insurance

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Comparing travel insurance quotes is easy and simple. It's also really important to help you save a huge amount of money. Whether you choose a single, multi-trip or annual policy, start finding savings now.

When you buy a holiday or a flight, you'll almost certainly be offered travel insurance to go with it. It's all too easy to say yes, and add the cost to the bill, but you are probably better off shopping around and taking out a travel insurance policy independently - and one that suits you - either worldwide or annual.

Single Trip Or Annual?

You need to decide if you should take out a policy that will cover you just for one holiday, or take out an annual policy that will cover you for all the trips you take (within limits) for a whole year.

You don't have to be a very frequent holiday maker to save with an annual policy - for example, an adult travelling within Europe would need to take only three holidays in a year to make it worthwhile.

Baggage And Money

Travel insurance normally covers you if your baggage and belongings are lost or stolen or damaged - up to a certain limit.

Cover For Valuables

As well as an overall limit, policies also have a limit on individual valuable items, usually of between £200 and £500.

Cover For Money

There's usually a limit on the amount of cash a policy will pay out for if you are robbed. Such limits (between £200 and £500, depending on the policy) also include travellers' cheques.

Medical Cover

The best policies will offer at least £1 million of medical cover in Europe, and £2 million in the USA and the rest of the world. This cover should include the cost of an air ambulance to get you home, if this is necessary.

Pre-Existing Medical Conditions

Some policies will automatically exclude any pre-existing condition; others take a more sympathetic approach. Either way, you should always discuss any pre-existing medical condition with an insurer before buying a policy - and answer any questions they ask you about this honestly.

Other conditions to check include any payment for cancellation, curtailment or delay and the excess you'll be expected to pay on any claim.

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Useful Websites

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  • Skyscanner.net
    Find the cheapest flights fast, as well as hotels,car hire and holiday deals.
  • Leisure Days Insurance
    Specialist static caravan insurance and park home insurance in the UK
  • Click here for Ski Insurance
    Compare ski insurance and ski cover from leading insurers. Includes off-piste and galcier skiing and snowboarding. Cover your winter holidays with cheap single, annual and season policy cover.
  • Net Insurance Services
    Independent insurance specialists, offering on screen prices for holiday insurance, travel insurance, self employed liability insurance, warranty insurance and quotes for other types of insurance
  • Columbus Direct Travel Insurance
    Provide on-line quotations and a purchase facility for all types of travel insurance, for your summer holiday, winter skiing or backpacking needs, as well as travel tips and country information
  • all-destinations.com
    Offer a full range of travel products and services including cheap flights online, holiday bargains, late deals, car hire, travel insurance, hotels, villas and apartments, airport hotels and parking a
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