Are you travelling safe?

Much has been written during the recent spell of bad weather about passengers rights when airlines fail to deliver on their promises to get you on holiday on time, or indeed back from holiday on time.

One of the most important issues about holiday travel has perhaps been a bit lost in all of the talk about consumer rights. And that is the importance of having adequate travel insurance. Most travel insurance policies will cover the sorts of delays faced by passengers recently. But they cover a lot more as well.

If something happens to you or to a close relative between now and your holiday and you haven’t arranged your travel insurance then you stand to lose a lot of money if you have to cancel your trip. That’s why you should always arrange your travel insurance at the same time as you book your holiday. Book your holiday and buy travel insurance. Don’t do one without the other.

And make sure that you buy a policy that is right for you.Travel insurance policies are not all the same.  Don’t just buy the policy that the travel agent recommends and don’t just go online to a comparison website and buy the cheapest policy you can find.

I’ve said it before but I’ll say it again. Cheap is not the same as good value. There are lots of travel policies out there that cost very little. But they will pay you back very little if you have to make a claim. Perhaps because the excess is so big that you don’t bother claiming. Or because the maximum amount that you can claim for any one item is small in comparison to the value of that item. Or, worst of all, the item lost damaged or stolen is not covered by the policy at all and you didn’t realise that because you didn’t check the policy wording when you bought the policy.

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