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Travel Insurance Online : low cost, comprehensive travel insurance for all
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Buyers Guide to Travel Insurance

It is a wise precaution, although not a legal requirement, to take out travel insurance.

Generally, tour operators and travel agents can't insist that you take out their own travel insurance.

It is illegal for a tour operator to discriminate against a traveller not taking their insurance by way of price, discount or surcharge.

In these circumstances, check to make sure the package (including the insurance) represents good value for money and that the policy offers you a good level of cover. They should cover, at least, the following:

  • Cancellation of, or cutting short, your holiday
  • Illness or injury while you are away
  • Loss or theft of your belongings
  • Delayed or missed connection
  • Liability for accidents to others

Remember:
If you need to cut short your holiday because someone at home is ill, ensure you get the insurer's consent before rearranging flights.

If you plan to try out sports or activities on holiday that could be considered hazardous, such as scuba diving, a standard policy may not cover you. You may be able to get this added to your insurance. If not, you need to arrange a specialist policy. Do not rely on buying local insurance abroad.

The content supplied on this page is based on the law applying on 01/01/2005. Please consult your own lawyer for further information regarding your rights.