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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 Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.