Booking Your Summer Holidays? Do It Right with Travel Insurance

January is when many people start planning their summer holidays. Flights are booked, hotels are chosen, and dates are locked in. Yet one crucial part of holiday planning is often overlooked until the last minute — travel insurance.

Leaving travel insurance until just before departure can leave you exposed to unexpected costs and unnecessary stress. Buying the right cover early can protect your holiday investment from day one.

Why January Is the Best Time to Buy Travel Insurance

January is one of the busiest months for booking holidays. Post-Christmas deals encourage travellers to secure flights, accommodation, and package holidays early in the year.

However, many people delay purchasing travel insurance until a few days before departure. This delay can be costly. Buying travel insurance at the same time as booking your holiday provides immediate cancellation cover and protects any money you have already paid.

If you fall ill, a family member becomes unwell, your travel provider collapses, or an emergency prevents you from travelling, early insurance can cover cancellation costs. Without cover in place, those losses may come directly out of your pocket.

Travel Insurance Covers More Than Just Time Abroad

Most people associate travel insurance with medical expenses, lost luggage, flight delays, and disruption while overseas. While these benefits are important, pre-travel cover is often forgotten.

Travel insurance can protect your holiday long before you pack your suitcase. Cancellation protection applies from the moment your policy starts, which is why buying early matters.

Why Annual Travel Insurance Can Save You Money

If you travel more than once a year, annual travel insurance may be a more cost-effective option. Annual policies cover multiple trips within a 12-month period, including city breaks, summer holidays, work trips, and weekend getaways.

Instead of buying separate policies for each trip, annual cover offers continuous protection throughout the year. For frequent travellers, this often works out cheaper than purchasing individual single-trip policies.

Save Time with All-Year-Round Cover

Annual travel insurance also saves time. Once your policy is active, you don’t need to arrange cover every time you book a trip. You can travel with confidence knowing you are already insured.

This convenience reduces the risk of forgetting to arrange cover altogether — one of the most common mistakes travellers make.

A Simple Rule for Stress-Free Holiday Planning

Our advice is straightforward:

• If you book a holiday in January, buy your travel insurance in January.

• If you travel more than once a year, consider an annual travel insurance policy.

It’s a simple approach that can save money, reduce stress, and protect your holiday plans long before you reach the airport.