Top tips to make your travel insurance worth every cent

First of all, ask yourself : ‘do I need cover at all’? The levels of cover in the travel insurance business vary greatly based on : personal liability, cancellation, baggage, cash, medical expenses, and so on.

Bear in mind that the amount of cover you need depends on your circumstances. For example, if you are taking a low cost flight for less than £50, is there really any point in securing cancellation cover? But if you book an expensive holiday months in advance, you better immediately book your travel insurance to give yourself peace of mind and make sure your cancellation cover at least matches the cost of your holiday.

What happens if the holiday company goes bust?

Chances are that you will not be covered under a travel insurance policy if a company go bust. What you need is an option within a policy called standard airline failure (SAF) – only around 10 per cent of travel insurers include it in their policies though some do offer it for an additional charge.

Annual multi-trip or single trip travel insurance?

A good rule of thumb is that if you make more than two overseas trips a year (or one short-haul trip and one long-haul trip) you are better off with an annual policy as it will generally work out more cost effective. However, single-trip travel insurance is a good idea if you’re not a frequent traveller.

Specialist insurances

There are a number of specialist travel insurance policies tailor-made for your needs. Among the options available are: Family travel insurance, Over 65s travel insurance, Gap-year travel insurance and Winter sports insurance. Try to purchase the best-fitting travel insurance so that it’s truly worth your money.

Look out for comprehensive cover for less

Do not treat travel insurance as an after-thought. If you accept what the travel agents give you, you are likely to pay excessively on your premium. Remember to think about the value of your trip and the level of cover you really need before picking the right policy for you. You should not accept travel insurance as an add-on to a flight or holiday package – treat it as a separate entity and don’t accept anything less than the right cover at the right price.

Single trip travel insurance
Single trip travel insurance is an inexpensive way to buy a sense of security for leisure and business travelers who travel abroad once or t...
Little advice on annual multi trip travel insurance
In the light of increasing number of affordable air travel over recent years, more and more people are taking annual trips abroad. For t...
Backpackers’ guide to buying travel insurance
Ah the excitement of backpacking is priceless. Exploring the vast, untrodden landscape of adventure and discovering quaint corners of novelt...
Worldwide travel insurance
Making a long-haul journey around the world is very exciting indeed. But you must not forget one of the most important factors in your plann...
10 brilliant tips for buying travel insurance
Most of us would choose to take the easy option and buy the travel insurance package offered by our tour operator, or from airline website a...
Look, before you leap on travel insurance fine print
Travellers are increasingly turning to web-based providers in search of cheaper travel insurance options - just as they have already done wi...
Getting Short Stay Travel Insurance For Maximum Protection
Short stay insurance, also known as single-trip travel insurance is an affordable option for those looking to cover just a single holiday or...
Protecting Your Holiday Without Package Deal Travel Insurance
Many people now opt to book individual aspects of their holiday, such as flights and accommodation, separately. But doing so makes it even m...
Common mistakes when travelling abroad (Part 1)
Watch out travellers! Below are the common mistakes that you are prone to do when travelling abroad. Take not and try to avoid these silly b...
Asia Pacific's most popular destinations
If you were looking for fun and excitement in Asia Pacific, where would you want to travel? With the right travel insurance package, you wil...
Travel insurance myths debunked
                  Most people who do not travel frequently usually have very little idea about the nooks and crannies of travel insurance. H...
Good Travel Insurance for Travellers Over 65
It is indeed unfortunate that as your 65th  birthday comes, less and less insurance companies will be willing to offer you a good travel ins...

Sorry, comments are closed for this post.