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By: Ikedi Ani-okoye.

Travel insurance is a great way to protect your self from any unforeseen events before travelling.

How to get the best travel insurance?

There are two ways of getting the best travel insurance.

1- Always shop around. Prices always vary considerably between different travel insurance your personal situation can also play a big part in the isurance you get.

2- Second thing you should do is ask yourself how many times you intend to travel in any given year? If the answer is once, then cheap travel insurance can easily be found and can cost as little as £9 for a single trip.

If you intend to travel more than once this could prove to be expensive, especially for families.

This is where a multi policy can come into play. A family policies can cover not just the adult couple but several children. They can be found for as cheap as £23 for one person and you can get more than one travel from this a year.

Savings you can get if you plan your travel insurance

If you intended to travel abroad three times a year paying £9 each time could add up, whereas a multi plan would only be around £23 per person, so you couls save about £4.

It may not sound like much, but any saving is a good saving and besides, as you start to increase the number of trips you might make per year and the number of people travelling, the savings can be quite abit more substantial.

Different types of travel insurance cover

NOTE: The cheapest travel insurance can be good but lets not loose sight of the purpose for travel insurance. finding the cheapest seems good in theory but, beware you get waht you pay for! A cheap travel insurance cover may miss vital components of cover.

example of cover that you should be looking for are travel insurance that includes: cancellation, medical and emergency, baggage, theft and personal liability.Medical cover should be as much as £1 million when travelling to Europe and £2 million if travelling to the USA. medical bills can be an extremely expensive affair, it is not unheard of for tourists to have completely depleted their funds for medical costs.

You may choose to take some cover of yur tavel insurance if you feel you dont need it such as, baggage cover and cancellation, although you should think this through properly before doing so.

TIP: Some household insurance policies may cover belongings taken on your travels. So this may mean you can leave this out of your travel insurance policy, which would make your travel insurance cheaper. Always - check your home and contents terms and conditions before hand.

CONCLUSION

NOTE: Insurers base cover offered on “utmost good faith”. That means they will only pay out if they are convinced you have been totally honest, about taking out the policy, the areas of honesty Notably being- disclosure of previous medical conditions or claiming for something that doesnt exist like a non-existing cd player. This would make you claim void.

so shop around to find the best prices, choose the right policy type according to your amount of travel.Check that you ave the right leve of cover. Lastly Remember to be honest with you situation.