Insurance

The minute I’ve paid money for any part of my holiday I take out insurance. Remember insurance covers a lot:

• Cancellation cover
• Lost baggage (add up the value of a small suitcase and the replacement value could top £1000)
• Medical expenses
• Repatriation in case a close family member gets ill

I’ve claimed on insurance for all of the above.  These days I have an annual policy that covers me globally, and for all activities I may take part in – some policies exclude fairly regular activities so check first.

Check that you are not already covered by your bank, home insurance or other existing supplier.If not, comparison sites are good for finding the best deal for your individual insurance requirements.