STEP ONE. Ensure that you have learnt the basic terms found in travel insurance policies. Learning the difference between ‘single trip cover’ and ‘annual cover’, or ‘golf cover’ and ‘winter sports insurance’ will help you to base your decision on your own specific needs.
STEP TWO. Now that you understand the basic terminology, you can start to assess your own needs. Think about what kind of traveller you are, where you’ll be going, and what kind of risks you might come across. It’s vital that you don’t miss this step, as you need to know that you’re covered for all eventualities.
STEP THREE. It’s also important that you understand the more complex terms used in travel insurance. This way, when you’re faced with the full policy wording you won’t be caught out by any industry mumbo jumbo. Try having a look at some sample policies online, which most insurance companies now provide.
STEP FOUR. Do some investigation amongst your nearest and dearest, finding out why they chose their policies. Do remember, of course, that every traveller has specific needs and requirements for their holiday, so you can’t rely entirely on the advice of others. However, this can be an easy way to begin your search.
STEP FIVE. These days, it seems like everywhere you go you’ll always come across adverts for price comparison sites. Though the adverts are generally quite annoying, comparison sites can actually be very helpful in letting you view the pros and cons of different policies side by side. Don’t be tempted to rely on them completely, but do have a look at them to see if they can answer any questions your research has opened up.
STEP SIX. Never underestimate the importance of research. Whilst advice from friends, family and comparison sites can seem very helpful, it is ultimately down to you to get the top deal out there for your trip. Research may feel a bit arduous at the beginning, but you’ll be thankful of it should you need to make a claim on your policy after your holiday.
In the end, it’s really quite simple to sort out your travel insurance policy. To get the best deal possible you will have to put in a bit of time and effort, but at least then you relax, certain that your holiday is in safe hands.