Book your travel insurance as soon as you can after you have booked your holiday to safeguard you if the trip is cancelled or, in certain circumstances, if you are forced to cancel yourself.
Check that the policy limits for personal possessions claims are adequate to cover the value of the items you are taking with you - limits for baggage cover can be as low as £500 with single article limits as low as £50.
Read the policy carefully so you know what is covered and what is excluded.
Consider taking out an annual policy that will cover you for all trips within the year so you don't need to worry about forgetting to organise insurance for your summer holiday or any last minute weekend breaks.
If you do have anything lost or stolen whilst on holiday, make sure that you obtain a report from the police - this is a condition of many policies and claims are often not covered if a report has not been obtained, especially for valuables and cash.
Find out whether the policy will provide 'new-for-old' cover. The majority of travel insurance policies in the UK are written on an indemnity basis which means deductions are made for wear and tear.
