Specialist travel insurance may be more cost-effective.

Travel has opened up all kinds of opportunities for the more adventurous. Activities like paragliding, scuba diving and a whole range of extreme sports are considered normal holiday experiences. Gap year students in their thousands think nothing of going backpacking around the world and business travel is commonplace. Even the average family can afford to take more than one holiday abroad every year. In all of these instances, standard cover won't meet your needs and you should be considering a specialist travel policy.

For instance, if you go abroad frequently, Annual Insurance could be more cost-effective than taking out a separate policy each time you travel. At the very least, you will probably discover that specialist travel insurance is better value than topping up a standard policy with extra cover. However unusual your travel plans we are confident, that our recommended insurers will be able to save you a considerable sum of money!

Specialist Travel Insurance.

Single Trip Travel Insurance

For the one of holiday abroad

Annual multi-trip insurance

Multi-trip insurance is designed to give you cost-effective cover to those who travel more than once a year. There is no limit to the number of trips you can take (as long as each one doesn't exceed 42 days) and most sports and activities are included for no extra charge.

Activity Travel Insurance

If you're into extreme sports then this is the travel insurance for you - offering cover for nearly every extreme sport or activity with the options of two levels of cover.

Wintersports Travel Insurance

Wintersports travel insurance will ensure you are covered you for every eventuality you might encounter on the slopes.

Golf Travel Insurance

Special insurance for golf fanatics playing abroad

Backpacker Travel Insurance

Whether you're backpacking in Europe or worldwide - this specialist policy will give you the protection you need at an affordable price.

International Students studying in the UK

If you're studying in the UK it's a good idea to get travel insurance. This policy will give you all the protection you need.

Your Complete Guide to Travel Insurance Check out the facts and figures NOW!

"UK residents make over 58 million overseas trips abroad each year but as many as 1 in 7 fail to take out adequate travel insurance."

"Around one third of 18 to 34 year olds who take last minute ski-ing breaks don't buy adequate cover. The top five skiing injuries all require expensive medical attention, such as knee ligament injuries and fractured tibia. If you risk skiing in the US without insurance, a broken limb could cost as much as £5,000."

"Instead of taking out insurance, people believe that their credit card accident cover, home insurance, or private health cover is sufficient. However, it is unlikely that any of these will give adequate cover."

"Few EU countries pay the full cost of medical treatment even under reciprocal health service arrangements. You will still need appropriate insurance to ensure that you are fully covered for all eventualities."

"If you are driving, your car insurance will provide the minimum cover for EU countries, which is liability to third parties. If you want to have the same provision as you enjoy in the UK , you will need to extend your cover. Furthermore, you are unlikely to be covered for breakdown, so you should arrange adequate protection."

"Almost 50% of this summer's holidaymakers will consider lodging a dishonest claim on their travel policies - and 15% will actually admit making one."

"Anti-fraud techniques are improving, with one insurer identifying £250,000 worth of fraudulent travel claims last year, 20% up on the previous year's detection levels."

"Insurance companies can check customer's records on a central database called CUE- the Claims and Underwriting Exchange - which makes it easier to trace anyone who makes multiple claims."

"Most policies on the high street are not aimed at the growing numbers of British holidaymakers who enjoy doing dangerous sports while overseas."

It pays to choose the right travel insurance.

The precise deatils of what is insured can vary considerably from one insurer to another. On the one hand, the cheapest deal may not cover all your requirements- on the other; you don't want to pay out for more insurance than you actually need. So make a note of what's covered and what's not when you visit each travel insurer's website for your quotation. This will ensure you get the most appropriate cover for the cheapest premium.

Whatever Goes Wrong.

• Sudden illness
• Road accident
• Lost passport
• Stolen camera
• Cancelled flight
• .Put your mind at rest NOW!

Yes, you've come to the right place to get reliable travel insurance at the most competitive price.

The travel insurers we recommend cover medical treatment, hospitalisation and repatriation costs, all of which can run into thousands of pounds. Cover is also included for delayed or cancelled trips, loss or theft of luggage or personal possessions and a range of other benefits when things go wrong.

For full details just follow our quick links to their sites. What's more, when you see how little it costs to have complete peace of mind, why look further?

Get. the cheapest quote

Set. off with total confidence

Go. click on one of these quick links NOW!

The quick link will immediately transfer you to the insurer's quotation page. As soon as you've got your cheap quote, return here and take the next quick link. Feel free to get as many quotations as you wish. The more you get, the better in order to pin down the cheapest deal.

Travel Checklist

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Check out our tips NOW - it could save you more money!

• Make sure you have a valid passport preferably before you book your tickets. Some countries require passports to be valid for up to 6 months after the expected return date.
• If you need to apply for a new passport, don't leave it to the last minute - although there are fast track services to help you get a passport quickly, these make it more costly.
• It's essential that you have the appropriate visa for each country that you are visiting.
• Check vaccination and other health requirements for all your destinations at least six weeks before travelling. Take copies of health certificates with you.
• If you are travelling within the European Community plus Iceland , Lichtenstein or Norway ,take an E111 form with you. However, as it won't cover you for repatriation or all possible medical costs, you will also need reliable travel insurance.
• Arrange your travel insurance as quickly as possible after making your booking, so that you are protected against cancellation and curtailment. Check the insurer's terms in such an eventuality.
• When you are comparing travel quotes, don't just consider the price, compare the cover and the exclusions - the cheapest may fall short of your requirements.
• Inform your car insurance company if you intend to drive abroad and ask them to advise you on the most appropriate cover and breakdown service.
• Although, it may seem more convenient to buy travel insurance - beware! Sometimes the savings on the holiday deal are transferred to the cost of the insurance. Incidentally, you are not obliged to take out travel insurance as part of a package deal.
• Watch out for travel insurance companies that include non-essential benefits as part of their cover - for example, a travel advice line. Check how much add-ons like this are pushing up the cost of the policy.
• You must declare existing or past medical conditions of all those to be covered when you apply for travel insurance - otherwise you could invalidate your policy.
• Wise up on local laws before you go - especially those relating to alcohol and drugs. It's highly unlikely that your policy will provide cover for drink or drug related incidents.
• Check that your insurance covers you for the full duration of your trip and take a copy of the policy with you.
• Make sure your policy includes 24-hour emergency assistance and remember to keep the number on you.
• If you don't look after your possessions properly, your policy won't cover you.
• If something goes wrong and you need to make a claim, keep relevant receipts, medical bills and documents for verification.
• Take extra money for back-up funds in case you have to pay up front for medical treatment or anything else that goes wrong.
• Pack a phrase book - it will make it easier to communicate in the event of an emergency.
• If you have to cut your trip short, get permission from your insurance company before re-arranging air flights.
• Leave copies of your passport, insurance, details of your itinerary and a means of being contacted, such as an email address with a responsible person.