If you’re starting to think about your summer holiday this year you will probably already know about the importance of an appropriate travel insurance policy. If something were to go wrong when you are abroad, it’s important to have holiday cover in place for you and your family. However, choosing a suitable policy is not always easy, so here is a quick guide to making sure you choose the right one for your needs.
Choose the right type of insurance
Start by thinking about whether you need single-trip or multi-trip holiday cover for your time abroad. A single-trip policy covers one trip abroad, whereas with a multi-trip policy you will get cover for various trips. The details of the cover will depend upon the insurer, so have a think about which is right for you and choose the most suitable option.
Once you know what you need from your insurance, start comparing policies. Look for the different premiums, and keep looking until you find something you consider acceptable – but just remember, avoid choosing an insurance policy just because it is cheap. You should ensure that it is from a legitimate insurance provider and that it provides you with the cover that you really need, rather than just being the cheapest you can find.
Check the cover limits
Each policy will have limits on the events that it covers – like medical and cancellation cover. Make sure you find a policy with enough cover for each one, which is something only you can decide upon. Also, watch out for maximum limits per item. For example, if you take your laptop and the maximum item limit is £200, this may not provide you with the amount you need, and you should know this in advance.
Consider any extras that you need
Holiday cover is often sold as a standard policy, although there may be different levels available. However, you may have to purchase some things separately, which could include cover for winter sports or other activities. You may also be able to get more specific events covered for business trips, golf trips or weddings abroad, so this is something to consider.
Can you make any savings?
Always be on the look out for savings when you purchase your insurance. For example, you may be able to find a family policy that covers everyone, and this may cost less than individual policies for everyone in your group. Just make sure that you always get the level of cover you need rather than simply opting for the cheapest cover.
Start Looking for Your Holiday Cover
Don’t leave your travel insurance to the last minute; you should really start looking as soon as you know you are going on holiday. Once you have bought your tickets, make sure insurance is the first thing you buy so you are not in danger of forgetting it.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.
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