Pre-booking this holiday essential will give you a chance to weigh up the best cover for your particular trip, whether that be making sure your communication tools are in safe hands on a business trip; your favourite sports equipment and weather appropriate clothing is well looked after for activity holidays or your child’s expensive gadgets don’t go astray while soaking up the sun.

Insurance can cover a wealth of vital different aspects that otherwise might not cross our minds whilst making a trip abroad. These can include up to millions of pounds of medical and legal cover, 24hr emergency assistance, cancellation cover and compensation for lost, damaged or stolen possessions.

The variety of cover available includes single trip, annual insurance, winter sports cover, backpackers or long stay insurance, cruise travel, gadget cover and that elusive insurance for the over 65’s. Single trip travel insurance is immediate cover for just one holiday, while annual travel insurance policies are suitable for multiple trips throughout a year, with both available for UK, European and worldwide cover. Policies for the over 65's can be purchased for European and worldwide single trip travel insurance. These are specifically put together for this age group and can include 24hr emergency medical assistance and holiday abandonment cover.

Specific winter sport insurance for worldwide skiing and snowboarding trips is available for advanced or beginner skiers. These policies can additionally cover cross-country skiing and sledging, ski/boarding equipment cover and lift passes. Cruise travel can offer the extra protection of lost baggage whilst at sea and gadget cover will make sure your laptops, iPads, iPods, game consoles, smart phones and cameras are covered while you’re away. While backpacker or long stay traveller insurance is often for travellers under 40 years of age and additional cover can incorporate travel periods of 4 to 18 months and may include repatriation and 24hr worldwide emergency helpline (365 a year).