What type of travel insurance do you actually need?

It's almost as if you're tempting fate, goading the gods into making sure your luggage drops out of the plane into the middle of the English Channel, or that a hapless builder drives his JCB into your hotel room. Or worse, that you're struck down with malaria, dengue fever or TB on your two-week Benidorm break.

Hey, it's unlikely, but like that swarm of locusts that struck the Canaries a number of years ago, it could happen, and doncha know, it'll be the one time you don't have any insurance.

What do you need?

But how much, and what kind of, travel insurance do we actually need? Your cover will vary drastically whether you're a week on the beach kind of person, or a hiking in the Himalayas one. It also depends on how many trips you take annually, whether you play sports, or are travelling for business or pleasure.

And be careful about saying you're doing one thing and then doing another. Travel insurance isn't much good to you if you're in breach of the insurance policy's terms.

Best value policies

If you have health insurance, you may already be partially covered. And with such a vast choice out there, which policy is best value?

Costs can vary significantly so by using our travel insurance guide, you'll be able to work out which policy suits your requirements best. 

Most of us have probably got quite a few insurance policies for all sorts of different things. The trouble is that we get everything sorted out here and then forget that bad things sometimes happen to good people. Yes of course you have car insurance at home but it may not be much use to you on the French Alps, after a cranky, now possibly slightly injured goat, runs into your path and you almost swerve over a precipice. You get your chassis in a twist just thinking about it.

That's why the right travel insurance policy chosen with the help of uchoose.ie gives you that peace of mind.

So, before you do anything else, take a good look at your existing policies and see what you're already covered for.