Insure it, and go!

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When you really think about it, what is the one thing you must never go on holiday without?

Your suitcase? Your passport? Toys for the kids?

Yes, these are important, but aside from your passport, there is one thing that is probably more important than anything else – insurance.

Never, ever, ever consider travelling without adequate travel insurance. You only need to do a simple Google search and you’ll see countless travel horror stories of those who risked it and wished they hadn’t. Cut all that out, and just book it!

It won’t cost you the earth, and even if you’re struggling to afford all these extra bits and bobs, think about where you can cut costs first. A good way to do this is to say ‘no!’ to expensive trains and coaches, which you were probably think of as your way to get to the airport. Instead, consider driving yourself and parking up. I recently used ParkBCP to book my Edinburgh airport parking spot. The cost was jaw-droppingly low, and the journey stressless!

Something as simple as this will free up funds, and then you can get to your insurance search.

Head to one of the price comparison websites, and opt for a middle of the road policy. I wouldn’t go for the cheapest, but then having said that, I wouldn’t go for the most expensive either. Just read the small print, and make sure it covers you for what you need, and also keep an eye on the excess amount in the event of a claim. If you have any pre-existing medical conditions, make sure you declare them, and be honest with any questions asked. If you bear all this in mind, your holiday, yourself, and your belongings will be covered, with nothing to worry about.

Next thing? Print it all out, put the claim number in your phone, and throw it all in your hand luggage bag. It’s a good idea to leave your details with someone at home too, just in case they’re needed and you lose them, or you can’t access them in the event of an emergency while sailing on a yacht off the coast of Malta, zip-lining deep in the jungles of Costa Rica or searching for the Loch Ness Monster in Scotland.

Accidents can and do happen, but just giving it a little thought before you travel will cut out worries and stress if something does happen.

If you’re visiting an EU country, make sure you apply for your free EHIC card, which will cover you in some eventualities, but not all, and it shouldn’t replace general travel insurance. Having both in your hand luggage will mean you have every base covered.

 

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