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Your top 5 travel insurance tips

Not sure if you need travel insurance for that 2-night city break? It's nearly always a sensible idea to have it, as a few pounds can save you huge expense, and even if you never need to claim, it provides peace of mind. Don't just grab the cheapest policy though. We picked out 5 travel insurance tips to keep you covered.

  1. If you use a comparison site like www.moneysupermarket.com make sure you are comparing like for like. Check the amounts of medical cover provided and the excess charges, and look carefully for those little exclusion clauses in the fine print.
  2. Ask yourself if you are a regular enough traveller to warrant an annual policy. Do the sums, but if you travel abroad more than 3 times a year, annual cover is likely to work out cheaper than single trip policies.
  3. Check to see what your home insurance contents policy covers. Sometimes this will include items lost or damaged when you are on holiday, so there's no point paying twice for the same cover.
  4. Don't be tempted to keep quiet about any existing medical conditions in the hope of a cheaper premium. If this deception emerges in the event of a claim, it can make your policy void.
  5. One of the most important travel insurance tips is not to get bogged down in protracted disputes with your insurance provider. If you feel you have been treated unfairly over a claim, refer the matter to the Financial Ombudsman (www.financial-ombudsman.org.uk). Just announcing that this is your intention can help to speed up your claim.

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