Cheaper Holiday Insurance For Your Next Budget Break

By Author: Neon Glory
Total Articles: 7
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Whether you are going away for a cheap holiday weekend, or for a two-week budget sunshine break, your travel insurance is not something that you can skimp on. But if you are trying to keep your travel costs to a minimum, there are certainly plenty of things that you can do to keep your insurance costs down too.

One consideration is your baggage. The more you carry as hold luggage on your flight, the more you will be charged by your airline. And if you are carrying anything of any value, the higher your travel insurance premium will be. Try and leave as many valuables as possible at home and your rate will reduce.

Weigh up the cost of your travel insurance against the cost of your actual holiday. In some cases, very cheap flights and city breaks can actually cost more to insure than they cost to buy in the first place. Also, if an excess payment is required, check to see if this less than the cost of your budget holiday before deciding whether insurance is worth it for you.

It may surprise you to learn that some holidaymakers make the mistake of paying for too much travel insurance each year. Make sure you ...
... are not one of them by checking all of your current insurance, medical and credit card policies for any existing overseas cover that may be included. It may turn out that you have all the cover you need already.

Several insurers will offer you cover that includes a guarantee to refund the cost of your holiday and fly you home should you get into difficulties following the bankruptcy of either your airline or travel company. The recession has shut down several such companies over the past couple of years, but if you have booked your holiday through a company that is financially sound, then you may want to do without this extra cover cost.

If you are a UK citizen travelling to Europe, then you could save a little on medical cover by obtaining a free European Health Insurance Card. Although it does not cover you for all medical costs, and will only pay for state-provided medical treatment, it does mean that you are entitled to free or subsidised healthcare in every country in the European Economic Area.

Whenever you come to sign a policy, you need to double check that you are getting value for money. For example, when it comes to cancelling your trip, insurance providers can be very rigid in the reasons they deem acceptable for cancellation. So it is a good idea to check that your proposed insurer has an acceptable number of cancellation causes first.

Those of you who have more than one budget trip planned for the year might benefit from annual travel insurance cover as opposed to single trip insurance for each of your trips. The rates for this type of product are cheaper, and it will save you time in having to arrange for cover each time you take a flight.

For great deals on holiday insurance including annual travel insurance with cancellation cover up to £5,000, visit AA Travel Insurance.