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Holiday insurance can be expensive. Our guide will help you compare holiday insurance giving you the best deal possible.
We Brits like few things more than jetting off on holiday, but it’s a sad truth that accidents can happen. If things do going wrong you want to be sure you’re covered.
Finding cheap travel insurance is complicated because policies vary so greatly both in terms of price and what’s covered. It would be a major mistake just to go for the lowest price and assume it’ll cover you for everything you want to do because the chances are it will not.
For example, cycling holiday insurance would cover many different things to ski holiday insurance, or holiday insurance for cruises.
Before you go, you should carefully think about what kind of things you might be doing which will help to work out what’s likely to go wrong. Don’t leave it to the last minute as this is a search which needs a lot of attention.
The basics:
Basic considerations for cheap travel insurance might be something like lost belongings or lost luggage, illness or delays to flights.
Medical:
If you fall ill you want to know you’ll have your treatment paid for. Remember you’re far away from the comforting bosom of the NHS so if you venture off without cover you may have to foot the bill.
Holiday cancellation insurance:
Say you have a family emergency or have to cancel your holiday for any reason. If so, the anguish of foregoing the holiday could be compounded by the fact that you’ll still have to pay for it. Cancellation insurance can be added to refund your expenses should this happen.
Personal liability:
The aspect would cover you against – in short – the actions of yourself. It will cover you should anyone bring any form of legal proceedings against you.
Going the extra mile
For some the basic beach holiday simply doesn’t cut the mustard. They’ll want something a bit more exciting – if so you’ll need an insurance policy which will cover you for any sports or dangerous activities you feel like enjoying.
Ski insurance, for example, will cover you not only for emergency medical treatment, but removal from the mountain should you need to be taken off the slopes via helicopter.
Holiday insurance over 65
It’s a sad truth that many insurance companies simply hate older people – or at least are terrified of insuring them. A number of companies will not insure beyond a certain age while others will bring in punitive premiums.
This situation is slowly beginning to change as insurers are beginning to realise we’re staying fitter and healthier for much longer.
Holiday insurance with medical conditions
Just as companies seem to discriminate against older people, so too are they a little choosy if you have a medical condition.
It can be tempting to overlook any pre-existing conditions when signing up, but if you’re caught out your entire policy could be invalidated.
Annual holiday insurance or single cover?
Once you’ve guessed the kind of things which might go wrong, you can start thinking about whether to get single trip insurance or annual trip.
Annual trip insurance starts from the moment you take out the policy and lasts the entire year. Single trip, obviously, will only cover you for one holiday. This can limit the number of days you can be covered for, so make sure its duration matches the length of your stay.
Annual trip is obviously suited to the regular traveller so, if you travel more than twice a year, it might be worth considering.
Finally, the secret to getting the best deal is to shop around and get quotes from as many different places as possible. In a favoured attempt to attract your valuable custom, many may offer mouth watering discounts. However, don’t get carried away.
Cheaper is not necessarily better. If you put in the leg work you should be able tom find the best holiday insurance quotes which is both affordable and covers everything you need.
For more information, head to our handy guide which will help you make a holiday insurance price comparison.
