Which Holiday Cover Suits You?

Given the diversity of choice of breaks at home and abroad, is it any wonder that most people are unsure of what holiday cover to buy to ensure their trip is fully insured for all eventualities? For most people it will be a straight choice, but for some, the idea of deciding whether it's a single or annual multi-trip package, or whether it's a business or leisure trip, can leave them pretty much perplexed.

It's great to know that there are insurance companies out there that can take the hassle out of the decision-making. You'll find that all packages are pretty affordable, and that the package will insure you from the time your trip kicks in. But what is the best holiday cover for your particular break?

Single tripIf you have a definite plan, the budget is tight, and you only envisage one trip in a year, then single trip insurance may well be the best option. It is one of the most cost-effective ways to get you and your possessions covered - and it needn't be just confined to a trip to Europe. These days single trip insurance will even cover those exotic holidays to the Far East and beyond.

Annual multi-tripThe great thing about annual multi-trip insurance is that no matter how many times you travel abroad, the single best investment has already been paid for. It is an efficient way to buy a package that covers all your trips abroad. With good comparison websites you can usually find the best in quality at affordable prices.

Annual multi-trip insurance can also cover extended breaks - not just the one or two-week holiday in the sun. For example, you should be able to get cover for more than 40 days for a holiday break.

Family insuranceAnother great option to consider for holiday cover is family insurance. This enables families to buy a package that covers everyone, rather than having to buy policies for individuals. Given the affordability of covering everyone under one policy, it can also represent a real saving for those on a tight budget.

Specialist policiesIf the trip is more than just a seven-day laze on the beach, you may be surprised to learn that companies can now offer tailor-made policies. So if it's a family skiing trip, a golfing break, a cruise, or if you're looking to take part in an extreme sport, you may be able to get a special package.

Free coverAs with most packages, there are always free extra options to consider. With some holiday cover you'll be able to get free coverage for everything from children, golf equipment, car hire excess and cruises.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.