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Holiday insurance doesn’t have to be a hassle, especially if you know the level of cover you’re likely to need.
Travel Supermarket Insurance can help, whether you’re off for two weeks in the sun, a short weekend break or a round-the-world adventure.
Finding the right insurance is just as important as booking your flights or choosing a resort, and with cover starting at just £6.24 this could be just what you’re looking for.
Do I really need travel insurance?
It’s not illegal to travel without insurance but by going on holiday without it you can leave yourself exposed to all kinds of issues.
Even a simple doctor’s visit can become costly without sufficient medical cover.
When it comes to travel insurance there is no one-size-fits-all policy – even basic cover can vary between different insurers’ policies.
It’s best to compare and that’s where Travel Supermarket comes in handy.
Here are some things they say you should consider when looking for the best deal:
- Excess – this is the amount you are expected to pay towards your claim. Look out for a policy excess of less than £100, unless you can afford to pay more in the event of a claim. For joint cover, you should also check if this amount is per person or per policy.
- Exclusions – certain factors can render your insurance invalid. For example if you travel to a country that the government has explicitly advised against or injure yourself while under the influence of alcohol. Always check which exclusions apply.
- Single item limit – this is the maximum an insurer will pay out for a single item. Be aware, expensive electronic goods may be worth more than this.
- Personal liability – this covers you (up to a certain amount) if you accidently injure a third party or damage their property.
- Legal expenses and advice – if you suffer injury while abroad, legal expenses and advice cover could prove invaluable, especially in countries where legal aid isn’t an option.
