How to have a MoneyFit holiday

We all want to have some fun in the sun, but it won’t be much fun if you come back to a hefty credit card bill. Here are our tips to get the best deals for your holiday, currency and insurance. If you’re having a staycation, look out for next week’s news article, where we’ll have some inspiring tips for you.

 

Where to go, and when

If you’re fed up with the usual holiday suggestions and want to try something new, take a look at Where to go and when on the ABTA (Association of British Travel Agents) website to get some ideas. Type in the month you want to go and the type of holiday and it will come up with suggestions – some you may not have thought of.

Package holiday or DIY?

  • If you’re booking a package holiday make sure your agent is a member of ABTA. This will ensure you’ll be looked after to high service standards and if something does go wrong, there is a complaints resolution service.
  • Package holidays tend to be cheaper, especially for more popular destinations, but it’s worth checking. You may be able to get a better deal by contacting airlines and hotels yourself.

Whichever option you choose, if you’re booking online, check that your booking is ATOL protected. Bogus internet travel companies have been scamming and defrauding customers – see the Civil Aviation Authority’s website .

For more tips see Holidays for less.

Making travel accessible

If you or someone in your party has any kind of disability it’s important to

  • gather as much information as you can in advance about your destination, transport options and your likely needs while there
  • talk to your travel agent and tell them about your needs

You can find more tips on the ABTA website as well as information about travelling with wheelchairs or other mobility equipment.

Why bother with travel insurance?

  • Travel insurance (or holiday insurance) is a must if you want to make sure you'll be able to afford medical care when you're abroad. Getting medical care on holiday could cost you thousands of pounds. Don’t rely on your EHIC card, it only the local level of care, which may not be the same as that you’d get in the UK.
  • Other insurance, like credit card accident cover and private health insurance, doesn't cover most travel emergencies.
  • Without travel insurance, you'll have to cover emergency expenses on your own – the British Consulate can't help you.

Find out how to get the best deal and choose the right policy at Travel insurance.

Making your money go further

It’s a good idea to take some cash with you in the local currency to pay for essentials like food and drink, tips and taxis. Get the best deal and stay MoneyFit by comparing prices online and buying it before you go.

Find out how to get the best deal and whether to take cash or traveller’s cheques at Money and travelling.

Cards can be the cheapest way to pay for things and get cash from machines abroad but only if you use them in the right way. Your usual card might have hefty overseas fees, so you could save a lot by getting a special ‘travel-friendly’ credit, debit or prepaid card before you go.

For more information see Using cards cheaply abroad.

Driving abroad

Whether you’re taking your own car abroad on holiday or hiring one when you get there, you have to have insurance. Be careful – it’s easy to spend too much on unnecessary car hire cover and the excess can be very high.

If you're hiring a car, make sure you read the documents and understand what you're getting for your money.

See Insurance when driving abroad for the things you need to think about.

Using your phone abroad

If you plan to use your mobile phone abroad, check with your provider so that 'roaming' is enabled. 'Roaming' is when you connect to an overseas network and calls are routed via that network provider instead of your home network, at a vastly increased cost.

Keep costs down with MoneySavingExpert's Mobile roaming: use your phone abroad tips.

Before you go

In all the excitement of going on holiday don’t forget to protect your home while you’re away. Plan what you are going to do with your pets, if you have any.

Remember to lock windows and doors, cancel the milk, put away your gadgets and valuables, water the plants or get a neighbour to keep an eye on your home.

Here are five ways to protect your home before your holiday from MoneySupermarket.com

And here are some ways to save energy and cut your bills at home while you’re away from Thisis money.

And you’re off – have a great MoneyFit holiday!

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