There are a number of cheap options available when taking out your travel insurance online in the UK. Firstly, it is best to decide whether you want single-trip insurance or multi-trip insurance. Multi-trip is an annual policy that usually insures you for a limited number of holidays within a 12 month period. Next you'll need to decide whether you want the insurance to cover just you, or if applicable, do you want to include your partner or your children on the policy?
Once these questions have been answered, it is time to find the right insurance. Most policies cover the basics: compensation due to delays or cancellations, medical expenses, theft, loss or damage of money or personal possessions, although it is important to check with the insurer exactly what is included. You should also bear in mind that there may be limits on the amount you are entitled to, and you may also have to pay an excess on certain claims.
Many companies will not honour claims that arise from carelessness on your part, from existing medical conditions that have not been declared, or from injuries brought about through participating in hazardous activities and sports. Always check with your policy provider if you are in any doubt about whether you are covered or not.
I have a pre-existing condition - what should I do?
You need to inform the insurance firm of any illness or condition that you already have. They may be able to cover you while you are travelling, although the premium for this may be high depending on the nature of your condition. However, the financial cost that you face if you fail to notify them will be much higher if you encounter any difficulties while away and have to cover all medical expenses yourself.
I am going to be taking part in lots of extreme sports while I'm away - am I covered?
Most insurers have policies that are designed specifically for people who are going to be partaking in activities like horse riding, skiing, scuba-diving, bungee-jumping etc. As long as you inform them about the nature of your holiday, there shouldn't be any problem with getting the right kind of cover.