Do I need holiday insurance?

It's one of the first things the price-conscious traveller looking to save money will ask themselves: do I need holiday insurance?

No matter how tempting the lure of saving on the cost of insurance is, by opting for a policy you will have an increased amount of security should anything happen to you while you're away. But the ins-and-outs of insurance can cause confusion. We'd like to be able to shed some light on this for you.

Holiday insurance is something that no traveller should sacrifice, yet many consider it an unnecessary expense. But as the old saying goes: you can't put a price on your health. What's more, should the worst befall any traveller without insurance, financial difficulties are just the beginning.

Such is the importance of comprehensive holiday insurance, it is surprising the proportion of travellers that head abroad without coverage, or believe that cover provided by credit cards, bank accounts or home insurance is adequate. In reality, often only a standalone insurance policy provides full coverage.

So what exactly are the risks of travelling uninsured, and what should you look out for when buying holiday insurance? We at Holiday Extras are delighted to offer a comprehensive guide to booking holiday insurance.

So, whether you're unsure of how to receive medical treatment when abroad, don't know the difference between cover levels, or have a question for one of our insurance experts, we hope to provide the complete guide.

Holiday Extras Cover Limited are authorised and regulated by the Financial Conduct Authority under registration number 828848, Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered address, Ashford road, Newingreen, Kent CT21 4JF

Holiday Extras Cover Ltd is underwritten by White Horse Insurance Ireland dac is registered in Ireland No. 306045. White Horse Insurance Ireland dac’s Registered Office is First Floor, Rineanna House, Shannon Free Zone, Shannon, County Clare, Republic of Ireland. White Horse Insurance Ireland dac is authorised and regulated by the Central Bank of Ireland. Deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website, our FRN is 203320.