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Christmas is an expensive time of year and Christmas in 2008 is no different. With presents, food and all of the other expenses associated with the Christmas period, it can add up to an expensive couple of weeks. You may think that you’re saving money by going on holiday but that may not be the case. In fact, it may cost you a lot more than you initially believe if your travel insurance does not adequately cover you and your needs.

Travel insurance is important no matter what time of year you go on holiday. After all, the last thing you want is to end up sitting in a hotel room for several days in the same clothes because your luggage got lost. This is associated with flying of course but things can go wrong when you go on a self drive as well, or even travel by ferry. Christmas is the worst time of year for things to go wrong, which means that it is inevitable that it does for some people. Travel insurance plays a big part in damage limitation and can even give you the peace of mind you need to be able to enjoy a Christmas holiday no matter what.

The likelihood is that you will be travelling with presents if you are on holiday for Christmas. Very few people leave their presents at home. As such, if you lost your luggage or your car was broken into then you would lose a lot more than standard luggage that incorporates clothing and toiletries. However, some travel insurance policies will only cover your goods for up to a certain amount and that amount is often nowhere near enough to replace any Christmas presents that are stolen. Furthermore, some travel insurance providers will not cover presents if they are not declared and would certainly not cover high value goods like jewellery.

As such, you need to check all of the available travel insurance policies if you are travelling over Christmas and read the small print. Speak to an operator of the provider and ask questions. All phone calls have to be recorded and any assurances you get when taking out a policy have to be honoured if you should claim. Check the claim limits and the excesses and make sure that your travel insurance will literally cover everything you are taking with you. You cannot be too careful. If you are a bit dubious of the limits then either take out another policy or opt for higher goods values for a little extra in terms of the premium.

Travel insurance is important if you want to have a good Christmas. Get that peace of mind before you go and you will find that your Christmas feels much happier and trouble free than it may otherwise be!

Guest Article by Louise Crowley

Wednesday, December 10th, 2008