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 by: Michael Challiner

Last week my wife and I booked a seven day holiday in Tobermory on the wonderful Isle of Mull. All that grand scenery with brightly painted houses clustered around the harbour. Hands up who knows Tobermory as Balamory!

You could have knocked me down with a feather when the travel agent assumed that I wanted travel insurance for an additional 27.50. Not on your Nellie the Lock Ness monster, I thought. I can spot a rip off when I see one! Who needs insurance for a trip to another destination in Britain? The NHS is free and in an emergency, my daughter could drive up and take us home.

Later in the comfortable setting of my lounge I got to thinking .

Holiday disasters dont only happen abroad. So I made a list of the risks:

One of us could be taken ill before we depart and wed be forced to cancel. As the ferries and the hotel were non-cancellable, wed lose everything wed paid.

My parents are getting on. God forbid, but Id have to cancel the holiday if something happened to them just before were due to go.

My wife or I might be called up for jury service.

There may be a major delay at the ferry. Besides the inconvenience, we have to arrange an overnight stay in Oban.

Someone might steal our luggage

Ive just bought an all singing and dancing camera especially for the trip. I might lose it.

If either of us were hospitalised we wouldnt want to be stuck on Mull. Wed want to be transferred to our local hospital in Cheshire.

Then it struck me that my Home & Contents insurance would probably cover me for loss of luggage or my camera if I was travelling in the UK. I dug out the policy. Lucky I checked. I was only insured for personal possessions if the items were listed and as Id only bought my camera last week I hadnt got round to getting it documented on my policy as a valuable item.

Another point struck me. If I made a holiday related claim on my Home & Contents policy Id lose my no claims discount. That didnt appeal one little bit. Ive a ten years claim free record on my H&C policy and it still cost me 305 a year. I jotted down a note to self when that policy comes up for renewal, check out the Internet to see if I could get it any cheaper.

By now 27.50 for a travel policy was beginning to look worthwhile.

But youll realise Im a bit of an old skin flint at least my wife says so! I know, get online and check out whether the travel agents policy at 27.50 was competitive.

Not all the sites I visited could offer me single holiday insurance within the UK but within ten minutes Id found what I wanted - a travel policy and a saving of over 10!

Time to read the small print to make sure I truly had the cover I needed. Great, all the risks I had jotted down were covered. Theyd even pay me 30 if my ferry was delayed for up to 12 hours and then give me the option to cancel my trip and get a refund.

Now check out the exclusions - what wouldnt they pay for? I wasnt covered if my holiday was for less than two nights or if my holiday destination was less than 25 miles from home. I also had to pay the first 30 of any claim. All seemed fair to me.

The decision was made. Key in my credit card details and CLICK I was insured. Peace of mind restored!

About The Author

Michael Challiner writes for Brokers Online who offer most UK financial services including travel insurance http://www.life-assurance-bureau.co.uk/travel-insurance/.

Travel Insurance Topics - http://www.life-assurance-bureau.co.uk/travel-insurance/faqs/travel-faq-home.htm