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Booking for summer? Don’t forget your travel insurance too.

Booking for summer? Don’t forget your travel insurance too.

Booking for summer? Don’t forget your travel insurance too.

Believe it or not, Christmas will soon be over. Then what? What will distract us from energy costs, cold nights and short, wet days until spring arrives? If you’re anything like the rest of us then you’ll turn to the Internet, the travel pages and the glossy brochures to give you a shining light at the end of winter’s long and dreary tunnel. And you won't hang about either.

According to website Hotels.com we still rely on summer holiday plans to alleviate the post-Christmas blues. They say that the period directly after the festive season - the first day back at work after the Xmas holidays - is the busiest day of the year for bookings. They even go as far as to say that their site will be busiest at around 5.30 pm. Amazing! And we’ve barely had time to take the red suit to the dry cleaners.

But seriously, if you are browsing or booking there is one thing we shouldn’t forget when we’re planning our summer escapes - and that’s travel insurance.

Here’s why.

Your booking is a contract

When you book a holiday, any holiday, you are entering into a contract. It doesn’t matter whether or not you have paid in full or just a deposit, it is still a contract. That means you have an obligation to it and will have to either go on the holiday or pay for it. If you don’t or can’t then you will have effectively broken the contract. What happens after that is up to the cancellation policy of the airline, tour operator or property owner but more often than not you’ll be charged a cancellation fee. In some cases, if you have to cancel at the last minute, you may lose the entire cost of the holiday. Also, if you have pre-booked any excursions – diving, golf or trips to see sights for example – then you may be charged a cancellation fee for those too.

Safeguarding your booking with travel insurance

Taking out travel insurance will safeguard you against cancellation fees if you have a genuine reason for having to cancel your trip. So if you cannot travel because of a personal tragedy or illness or even because of jury service, we’ll meet the cost of your cancellation fees up to the maximum value stated in your policy. If you are made redundant or are required to work away as a result of bring in the HM armed forces then you may also be covered.

All our policies will cover your for independent travel too, whilst our Superior policy will also cover you for pre-booked excursions if they are subject to similar cancellation fees.

Buy it at the time of booking but buy smart

The only sure fire way to make sure you are covered is to buy your travel insurance at the same time as you buy your holiday. Then you’ll be covered for cancellation. But, and it is a big but, don’t forget to make sure that the policy you choose will be right for you. Check the small print and make sure the policy will cover you for any medical conditions you may have (if you don’t declare them your policy will be invalid), the place you are going, any activities you are going to do when you are away and , most importantly, that the cancellation cover will meet the WHOLE cost of your holiday.

We know one size doesn’t fit all

Here at World First we cover 1000s of medical conditions as well as over 150 sports and activities. You can tailor your policy to cover the cost of your holiday and choose from a range of benefits depending on the way you like to travel. Our Cruise policies will cover you for trips costing up to £10,000 whilst our Superior policy will cover you for holidays costing up to £5000 as well as pre-booked excursions that you book independently.

And the best thing of all? You’ll be covered the minute you take out the policy, not the minute you leave for the airport.

Happy searching!

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