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When planning a holiday, travel insurance is often one of the last things people think about – when actually it really should be one of the first things you think about once you’ve made a booking! 

Choosing the right policy could save you money and a lot of hassle – but should you purchase one-off cover for each trip, or buy an annual insurance policy (especially if you travel more than once a year)?

Many holidaymakers automatically purchase single-trip travel insurance each time they book a holiday. While this can be suitable for occasional travellers, an annual multi-trip policy is often better value if you take two or more trips per year.

With annual travel insurance, you arrange cover once and you're protected for multiple trips throughout the year, subject to the policy limits. Not only can this work out cheaper than buying separate policies, but an additional benefit is that it also means one less thing to remember every time you book a trip! 

Another often-overlooked benefit of annual travel insurance is that many policies also provide cover for UK holidays and mini-breaks. Whilst you may only travel overseas once or twice a year, many people enjoy several weekends away, city breaks or staycations throughout the UK each year. With annual cover in place, you'll have the reassurance of knowing those trips are protected too. Although UK holidays may not carry the same costs as long-haul overseas travel, they can still represent a significant financial investment. Accommodation, attraction tickets, pre-booked activities and transport costs can quickly add up. If an unexpected illness, accident or other insured event forces you to cancel or cut short your trip, annual travel insurance could help you recover those costs and avoid being left out of pocket.

One of the biggest mistakes people make is waiting until just before they travel to buy insurance. Ideally, travel insurance should be arranged as soon as you book your holiday. That's because travel insurance doesn't just cover what happens whilst you're away – it can also provide protection before you leave. For example, if you need to cancel your holiday due to illness, injury, bereavement, redundancy or another insured event, cancellation cover may help you recover some of your costs. However, you can only benefit from this protection if the insurance is already in place when the unexpected occurs.

It's also worth checking that your policy includes appropriate levels of medical expenses cover, baggage protection, travel delays and personal liability. If you have any pre-existing medical conditions, be sure to always disclose them to your insurance broker to ensure you have the correct cover in place.

Whether you're planning one holiday or several, a specialist insurance broker can help you compare your options and find travel insurance that suits your needs, giving you peace of mind from the moment you book until you return home.

What’s more, if you arrange your travel insurance through a reputable insurance broker, like Prizm Solutions, you’ll get all the support you need if something does go wrong. Rather than trying to work out who to contact or navigating unfamiliar claims procedures, you have a single point of contact. Whether you need advice on your cover, assistance with a claim or help navigating the next  steps, your broker can guide you through the process and act on your behalf. Having an experienced professional in your corner can make a stressful situation much easier to manage, allowing you to focus on resolving the issue rather than battling paperwork and spending hours on the phone to a call centre. 

It costs nothing to get a quote – so if you’re travelling this year, give Prizm Solutions a call.  Our friendly team will take all the information about your trip and come back to you with the best options.  Once sorted, you can then enjoy crossing travel insurance off your list and just concentrate on all the fun things you’re looking forward to doing whilst you’re on holiday. 

As well as travel insurance, Prizm Solutions offers a whole range of personal and business insurances - from private car insurance and personal accident insurance to cyber insurance and legal expenses insurance.  Just get in touch and we’ll help you work out exactly what you need, so we can source the perfect insurance cover for your bespoke circumstances. 

We hope to hear from you soon.