Doing without travel insurance or buying the cheapest policy on offer is a temptation if you're trying to cut back on the cost of your holidays this year. But either approach is a false economy. If you have an accident abroad and are uninsured, you could be liable for medical and repatriation costs running into tens of thousands of pounds.Buy a policy on price alone and you may find that it has stingy levels of cover, punitively high excesses that make it pointless to claim for, say, a doctor's bill, and endless exclusions that severely reduce the chances of any payouts anyway. Yet decent policies are available at very reasonable rates to most travellers, and there are ways to save on travel insurance without skimping on the cover.
BOOK IT DIRECT
The websites of airlines such as easy-Jet, Flybe and Ryanair automatically add travel insurance to bookings. If you don't want the cover, you have to deselect it. By doing so and taking your custom elsewhere, you'll save money. A week's insurance for a family of four travelling to Europe with online provider Travel Insurance Web (www.travelinsurance web.com) - recommended as a 'best buy' by the consumer organisation Which? - costs £16 to £20 depending on the age of the parents but £47.96 on Flybe's website.
It's a similar story for long-haul travel, with insurance for an individual going to the United States costing half as much with Travel Insurance Web as it does with online agents such as Lastminute.com and Expedia. You are also likely to pay heavily over the odds if you book your insurance through a conventional travel agent or tour operator rather than direct with a travel insurer.
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