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But if you can’t get enough of sunny Mediterranean beaches, or even further afield, and then it’s probably time to start planning your break. Flights and hotels… check! But what about getting properly insured? An amazing two thirds of Brits travel abroad each year without an insurance policy, while 8% admit never taking out insurance on a foreign trip! Travelling uninsured presents a number of risks. It’s not particularly likely that something will go wrong on your dream holiday – but if in the case it does, how will you compensate it? If you don’t know where to start when it comes to shopping for travel insurance, then answering the following three tips will give you some good pointers.

The Type of Policy

There are quite a few fundamentally different insurance policies available. There’s single or multi trip, then specific packages such as backpacker insurance and sports insurance for holidays such as skiing. It shouldn’t be too hard to think of what you need if you’re going on a foreign beach holiday within the EU – probably single trip cover – but if you’re considering more than one trip during a twelve month period, you should probably go for multi trip. The family deals on these packages can make them cheaper in the long term. Outside the EU is likely to drive your quote higher. You should remember that due to their expensive private healthcare system, you will probably need to pay more if you’re travelling to the USA, and substantially more if you’re going on a sporting or skiing trip due to the related risks.