Holiday Insurance

You want to enjoy your holiday - nothing should spoil it.  But sometimes not everything goes to plan.  Holiday Insurance may not prevent things going wrong, but it should prevent you being out of pocket as a result - by providing some peace of mind and helping resolve some of the problems, it should help improve your holiday experience.

Suitable Holiday Insurance is essential if you are to be covered for emergencies and other situations that may spoil your plans either before your holiday or whilst travelling.  You may be required to have suitable insurance cover before you can make some holiday arrangements.

What could go wrong?  Failure of travel or accommodation arrangements; illnesses; theft of your personal possessions - such as passport, money, credit cards, cameras, luggage, etc; accidents causing damage or injury - whether caused by yourselves or others.  Hopefully, nothing will spoil your arrangements, but should it do so, having suitable travel insurance will help minimise the cost and inconvenience.

You should aim to have your Holiday Insurance Cover in place from the time you make your bookings until the time you will be back home.

Finding the Holiday Insurance Policy.  There are different forms of holiday insurance - covering different risks and aimed at different types of holiday makers.  Some policies may be aimed at providing a low cost insurance cover - for instance by aiming at specific low risk people or excluding various high risks activities.  Some Policies are aimed specifically at providing cover for higher risk groups or activities.  Single Trip cover may be best if you are planning a single holiday in the year.  Annual Travel Insurance may be better if you take a number of smaller breaks.

Make sure you disclose everything that is (or may be) relevant to your risk - failure to do so could lead to the insurance being deemed invalid and not providing the cover when you need it.  Make sure you understand what is and isn't covered by your policy.  Are you paying for cover you do not need?  Are you covered for what you plan to do?  Make sure that your Holiday Insurance Cover covers you and your family for where you plan to go, when you plan to go and what you plan to do while you're there. Will you need more specific Travel or Activity Insurance Cover.

The market for holiday insurance is very competitive - shop around to find the holiday insurance policy the best meets your needs.

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