Don’t believe the fashionistas: this summer’s essential travel must-haves aren’t neon yellow beachwear or unnecessarily strappy sandals, they’re something comfortable to lie on in the departures lounge and a robust travel insurance policy.
The airport chaos and cancellations we saw during the Easter and half term holidays don’t look likely to have been completely sorted by the time the summer season starts, so getting the right cover is essential.
Unfortunately, buying insurance doesn’t always mean you’ll get a pay out when things go wrong. The Association of British Insurers’ most recent statistics cover 2019/20, when only 83% of claims were paid.
1. Buying insurance too late
You’re only covered from the date you bought your insurance, so if something goes awry between booking and traveling, your insurer won’t be able to help.
It’s a good idea to buy it straight after booking your break, to be on the safe side.
2. Using annual insurance without checking the specifics of your trip
If you get annual cover, either as a stand-alone policy or as part of a packaged bank account, you need to make sure that your trip is covered.
Some policies limit the destinations covered, while others exclude certain kinds of holidays.
3. Not reading the exclusions
You need to look through all the exclusions in the small print before you buy, so you know exactly where