The dos and don'ts when taking out travel insurance

According to insurer Aviva, 64% of us plan to take a holiday abroad this year. But the research also revealed that 31% of holidaymakers failed to take out travel insurance.

Further research by reveals that almost half of those asked (49%) would not insure themselves for a holiday in the UK.

Travel insurance is, of course, an important consideration, and regardless of whether you are holidaying at home or abroad, it should be near the top of your holiday preparations list.

But before you take any insurance out, there are a few things to consider. The first rule is to always shop around – this is easily done by taking a look at the various comparison websites.

Be aware, though, that some of the larger insurance companies, such as Aviva, don't feature on these sites, so you will need to check their individual websites as well.

Also, avoid buying travel insurance through your flight company or tour operator – these deals are often poor value for money.

It's also important to remember that cheapest is not always best. While we all want competitive cover, the main thing is to get a policy that's right for you.

For example, if you're suffering from an illness, there's no point in taking out insurance that won't cover you for it, should you need to claim.

And if you're planning a more adventurous holiday, check the policy also covers you for dangerous sports such as mountain biking, scuba diving or horse riding.

Lastly, if you're thinking of going away two or three times over the next 12 months, it will work out cheaper to take out an annual policy – and you'll avoid the hassle of applying for a new one every time you go.