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Protect your possessions
When we holiday in our own country, we often take more with us, including valuable items. You might take laptops, game consoles, digital cameras or prized possessions such as jewellery and watches.
Your home insurance may cover these items, but you'll need to check if you have an away-from-home add-on, and sometimes accidental damage isn't included.
Travel insurance will cover your personal belongings. And adding extra cover for your gadgets will protect your electronic devices. If you take out a policy, choose the right level to cover the items you want to include.
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Protect the cost of your holiday before you go
You've worked hard all year. You need a well-deserved holiday. You've booked a hotel with the perfect view. Now you can't wait to switch off your daily alarm, run away from the washing up, and stop thinking about the weekly shop.
But it's a few months before your break, and a lot can happen in that time. You could be called up for jury duty, or something could happen to your home or a pet that means you can't go away. The money you've outlaid for your UK holiday could be lost unless you've taken out appropriate cover.
Travel insurance protects the money you've invested in your holiday accommodation. It's why we recommend buying your travel insurance at the same time as booking your holiday. Depending on the policy you take out, these costs may be covered and allow you to use the money you claim to take a holiday at another time.
Keep in mind pet insurance may cover the cost of a trip you’re unable to take if your pet falls ill or is injured. Check the details of both your travel and pet insurance policies to see what’s covered.
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Protect the cost of your holiday while you’re away
Your holiday is turning out to be better than you expected. You're taking relaxing walks, going to the gym and you've treated yourself to a massage. All your worries might seem like a distant memory, but the unexpected can crop up at any time. What if one of your family members is taken seriously ill, and you have to cut your holiday short? We hate to think of these things, but unfortunately, they do happen.
Travel insurance may cover non-refundable accommodation costs, and if you have pets in a cattery or kennel, it may also cover these costs. Please check the terms of your policy for what is covered. You might be happy to see your furry friend earlier than expected, but it doesn't remove the financial sting. Getting your money back helps make things a little better.
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Get compensation for an injury
Holidays bring out the brave and bold in us. You're different on vacation, excited by the thrill of windsurfing or abseiling. These activities can be exhilarating and provide lifetime memories, but they can also be dangerous.
If you take out travel insurance with additional cover for the activity in question, you may be protected if something goes wrong. And always remember to use a reputable company with the correct licenses and certifications for these activities.
Travel insurance may also protect against permanent injury or death and legal costs for selected personal liability cases. Please check your policy document for more information.
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Choosing travel insurance
Single-trip travel insurance is a good option if you plan to have one holiday in the year. Or, if you want to keep your options open and travel in the UK and abroad, annual multi-trip travel insurance could be the right choice. Please remember to check the destinations your annual multi-trip travel insurance covers.
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When to buy your travel insurance
Martin Lewis, the founder of MoneySavingExpert.com, recommends you buy cover 'ASAB' – as soon as you book your holiday. Then you’re covered for non-refundable accommodation costs from the moment you’ve purchased travel insurance with the right cover.
Beaches are the nation’s favourite type of holiday followed by the countryside and city breaks according to the Post Office staycation guide .
