It is obviously desirable to get the lowest premium possible but remember to think about service too. It can be worth spending a little more for better service; You need your insurance company to be as helpful as possible in the event of you having to make a claim.

• Buying via the Internet can save you money as online companies generally have lower overheads.
• Make sure you shop around and compare quotes and cover features. The cheapest quote may not always be the most appropriate for your needs.
• If you are likely to be going on holiday more than once a year, you may well find that by taking our annual insurance to protect all of your travel needs, it will work out more cost effective than taking a separate policy each time you travel.
• Arrange travel insurence as soon as you book your trip, this will ensure that you are covered for cancellation and curtailment.
• The E111 medical system is not a substitute for a proper travel insurance policy. It is designed to provide free or low cost medical treatment in Europe and only covers emergency treatment.
• If you are going on an activity holiday, check the policy covers you for the activities you will be doing. Insurers often have different views on constitutes a dangerous activity.
• If you are planning a winter sports holiday, check that you are covered if you intend to take part in high risk activities such as skiing off-piste, snowboarding etc.