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Lots of us take out a travel insurance policy simply because we know we’re supposed to have it when we go on holiday, buying the cheapest insurance available and not giving it a second thought once it’s purchased.
Unfortunately, this can lead to problems down the line – if you don’t fully understand your policy and pick the right one, you could end up without adequate cover.
It’s important that the travel insurance policy you choose covers you properly for the holiday you are planning.
Extras can be added on to suit your needs, which you should discuss with your insurer, but a decent standard policy should at least cover the following (each area is explained in more detail below):
|Area of insurance||Cover|
|Cancellation||£3,000 (or amount equal to total holiday cost)|
|Delay cover||Varies, but should be included|
|Baggage – loss, damage or theft||£1,500|
|Policy excess||Under £100|
|Emergency assistance||24/7 support|
A word to the wise: while a cheap travel insurance policy might save you money initially, it could end up costing you more in the long run if you don’t take out sufficient cover.
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