If you are looking for cheap holiday insurance it is important to be aware of the deals that are out there. Like car or home insurance there are specialists and comparison sites that can help you. Nonetheless it is important to know the amount of cover you need and what is the minimum you should expect for your holiday.
There are certain key things that you must ask about before committing to any insurer. A big thing to be wary of is who you are booking a holiday with. If a package company goes bust it can make it difficult to reclaim money that you are owed. In some cases, the flights may be covered by an airline, but accommodation or food may not be. Therefore it is an important aspect to consider. If you are not sure ask if you are covered in the event of a package company going bust.
Those factors are essentially what should be the minimum that your policy covers. If you have any problems you should get in contact with your financial ombudsman to discuss any issues. It is also important to carefully read any small print and to make clear what excess you might be charged.
Always make sure you are honest about any pre existing health conditions as this can affect your claim and you may not get your money back.Another example of an excess you would have to pay is for any extreme sports. Scuba diving and sports like tennis are most likely to be included. However, bungee jumping and paragliding will probably cost extra on your excess.
It is then worth bearing in mind whether it is worth getting annual cover as opposed to a one off policy. Over the course of a year this could save more money in the long term. An EHIC card available from the post office can save you money on healthcare. Most insurers will waive any excess if you have an EHIC card.
When getting a package with a travel agent, make sure you check the insurance package available. It is recommended to check carefully as some automatically add a package even if you do not ask for it. Travel agent insurance can be considerably more expensive than other policies, so it is worth shopping around before signing up for any comprehensive packages.
Remember to pay attention to constructive reviews that balance the positive and the negative to get the full picture and to make sure that a company matches their claims.
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