Don’t duplicate your travel insurance cover

Because travel insurance is a lot of different types of insurance rolled into one, you may find that you already have insurance for some of the things it aims to cover. If you have top-of-the-range private medical insurance for example, you may already be paying for cover for emergency medical expenses anywhere in the world. It may be possible to extend the ‘personal liability’ section of a contents policy to cover you against the cost of being sued for damages while abroad. If you have an ‘all-risks’ extension to your contents insurance, this can cover both baggage and belongings – including cash – that you take out of the home, however far you choose to take them (although there may be a limit on the number of days you can take them abroad). If you are travelling in the UK, making sure that your belongings and cash are covered by an all-risks extension to your contents policy may be all the ‘travel’ insurance you need – unless you want cover against the costs of cancelling your holiday. Nearly all travel policies do not include travel in the UK, although a handful do.