Many people will be travelling overseas during the festive period to go skiing, take a well-earned winter break or to visit friends and family.
Which? reminds you that travel insurance is as important as ever if you’re going on a trip over Christmas.
1. Winter wonderland
It’s obviously important to get the necessary travel insurance cover if you’re going to be participating in any winter sports, such as skiing or snowboarding. Policies will have a list of sports and activities covered as standard, but you’ll pay more if you’re participating in winter sports.
Taking your kids to Lapland to meet Father Christmas will also require the right travel insurance to cover winter activities such as riding on a snowmobile. Make sure you speak to your insurer if you’re unsure about any of the activities you intend to take part in.
2. Cover those presents
If you are taking expensive presents with you on your trip, be careful that the items are covered within the personal possessions limit of your travel insurance policy. Some insurers set travel insurance limits for valuables at a relatively low level of £250 or £300 for single items, with the overall limit for valuables not much higher at £300 or £500.
So if you are travelling with some nice jewellery, an expensive smartphone or a pricey tablet to give to your loved ones overseas, it’s worth ensuring that you’ve got personal possessions away from home cover on your home contents insurance if the items are worth more than the travel insurance limits.
3. Annual holiday
You may be just thinking about your forthcoming Christmas trip when arranging your insurance, but it’s also worth considering any trips you might be making in the next year. If you are likely to be going on three or four trips, then it’s probably worth getting an annual multi-trip policy.
An annual policy will invariably work out cheaper if you’re going on a few trips, particularly if you’re travelling outside of Europe. However, single-trip products can occasionally be cheaper if you’re only taking two or three European trips.
4. Medical conditions
It may not seem very festive, but you’ll have to tell your travel insurer about any pre-existing medical conditions when you arrange your cover. Failure to do so could mean that any claim relating to treatment linked to a previously existing condition might be turned down.
There is help at hand. A number of specialist companies will offer quotations and advice for those with medical conditions once you’ve been through a telephone or online screening process.
Companies such as Freedom, Insurance With, Free Spirit and Insure Cancer should be able to help if you’re in this situation. All Clear and Medical Travel Compared will give you a range of quotes from specialist insurers.
5. Save money for festive fun
As with all insurance products, it’s worth shopping around to get a decent deal to ensure that you don’t end up paying money on insurance rather than the nice things that come with Christmas.
Which? does the hard work for you by analysing the market to highlight the most cost-effective premium rates. Check out our single-trip and annual policy Best Rates.
- Best Rate European single-trip products – cover your Christmas mini-break
- Best Rate annual worldwide policies – if you’re visiting relatives in Australia
- Travel insurance Which? Recommended Providers – a good policy and great service