The easy way to buy travel insurance might seem to be through a travel agent or tour operator. Sometimes these policies are 'free' with selected holiday deals, but where they are not they can be very expensive. Travel agents are no longer allowed to insist that holiday maker's book insurance through them and it's almost always possible to find a better deal by shopping around.

Buying online is by far the simplest way to arrange, purchase and obtain instant cover.
With Holiday Autos Travel Insurance, you're guaranteed the best cover at the most competitive rates around - quickly.

Type of Cover

The traditional way to buy travel insurance is to take out cover for each ski or snowboarding trip and this is usually how tour operators sell their cover. If you only make one or possibly two trips abroad a year, this may well be the best option. However, a growing number of travellers are opting for annual travel insurance.

The advantage of an annual policy is that there is no need to worry about arranging cover for each journey and it is usually better value than buying individual policies for two or three trips a year.

Most annual policies will cover trips of a month or more and they can be bought to cover European or World-Wide general travel. It's also possible to add business cover and skiing or snowboarding for an additional charge to a standard annual travel policy too if you plan to do more than travel to the snow.

Annual travel insurance is an even better deal for families. Insurance for a couple will be cheaper than for two single adults and cover for a family with children under 18 is not usually much more expensive than cover for a couple. Do watch, though, for restrictions on how the cover works. Some family travel policies only cover the family if everyone travels together. The best policies will cover each adult traveling on his or her own and even unaccompanied trips by the children.

Medical

The most important part of travel insurance is medical cover. This should include treatment at the destination, but also the cost of being flown home, by air ambulance if necessary. It's useful, too, to have access to a helpline that can put you in touch with a doctor who speaks English.

Cover of up to £1 million for Europe and up to £2 million for the USA/Canada is generally adequate. Policy cover of £5 -10 million may make you feel more secure but it should not detract from checking the fine detail.

Travellers within Europe can fall back on the form E111. This gives citizens from one European Union country access to medical care in another member state. It can be enough for a short trip abroad, say a weekend break, but it only gives the same cover as a local citizen enjoys.This can leave travellers facing fees, such as charges for a doctor's visit or a prescription.

Other

Baggage and Belongings, Delays or Cancellations, Personal Accident and other Special Risks such as Off Piste rescue and repatriation are all covered with Holiday Autos policies.

We also cover off piste skiing and snowboarding with or without a guide except where it is undertaken in designated unsafe areas or outside ski area boundaries.

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