With the holiday season right around the corner many of us will be looking to book our next getaway.
Travel insurance is essential, particularly if you are travelling independently. If you don’t have travel insurance you will have to pay out of your own pocket to deal with a problem while you’re away. Or you may lose money if you have to cancel a trip and can’t get your money back.
Travel insurance is widely available and can be bought from insurance companies, banks, retailers and supermarkets, travel agents, online comparison websites and holiday companies.
Sometimes, travel insurance is included as an extra service offered through your bank account or credit card but check the cost of this and what kind of cover it offers. Your travel agent may offer you travel insurance as part of a package holiday. You can opt for this, but you don’t have to buy it.
Before you buy
It’s important to get the right type of cover for your needs. Think about:
- where you’re travelling to
- how old you are
- how often you travel
- what you’ll be doing while you’re away
- whether you’re travelling independently or on a package holiday
- how you’re travelling
What cover should travel insurance include?
Your travel insurance should always include the following cover:
- medical expenses and cover for getting you home if you’re injured or fall ill abroad
- personal injury and cover for accidents or damage caused by you
- cover for lost or damaged items
- cover for lost or delayed baggage
- cover for cancellation or missed departure
How much you pay for your insurance depends on the amount of cover you’re likely to need. You should never under-insure yourself just to save money.
If you would like any further help or assistance with this or any other issue please contact Citizens Advice Central Nottinghamshire. Call them on 0300 5610330 for opening hours or visit www.ca-centralnotts.org.uk for details of all their drop-ins.