As is true of most insurance policies, the cheapest deal is not necessarily the best. There are all sorts of different policies available. Make sure you get the right policy, even if it costs a few pounds more. Otherwise you might not be able to claim when you really need to.
Read the key benefits and features information provided by your provider before you buy, so you know what you are actually getting. You will have 14 days after you received your policy details in which to cancel if you find the policy is not suitable for you.
If you're not sure what kind of cover you need, see Get the right policy.
Too busy to shop around?
Money fitness tip
Shop around! According to Which? research, travel insurance from your travel agent will almost always cost more.
If you don't have a lot of time to shop around, best buy tables can be a useful shortcut to who's offering the best deals. Make sure the policy you choose will meet your requirements in the event of a claim.
See the best buy tables for worldwide travel on the Which? website, or the best buy tables on the MoneySavingExpert website .
Try an insurance broker
Ask a broker for advice on finding a suitable travel insurance policy that meets your needs. It doesn't cost you any more money and it can be particularly useful if you have complex needs, for example because you have an existing medical condition - see Specialist policies. Find a specialist broker on the British Insurance Brokers' Association website.
Got some time? Use the comparison sites and shop around
If you can put in a bit of time and want to compare some travel insurance prices, you can shop around online. However, remember not to focus on price alone and always check that the cover offered is sufficient for your needs. It takes some research, because you will want to compare as many quotes as possible, but you can potentially save money. Try:
- Your bank
- Your credit card company
- Typing 'travel insurance' and other key words into your search engine
- Comparison sites – though many insurers won't feature if they don’t sell their travel through comparison sites
Keep an eye on the excess when you compare policies
Make sure you compare like for like. This is especially important for the excess. A policy might look like it's the cheapest until you work out that the excess is very high.
Also, for travel insurance claims, excesses are applied on a 'per section' basis. For example, if you are mugged on holiday you may have to claim under the medical expenses section, personal belongings section and money section of your policy. In this case three excesses would be deducted from your payout.
Making a claim
Read your policy so you know what's covered and what isn't before you need to make a claim - see Travel insurance claims - be prepared. Then see Making a claim.