Martin Lewis issues urgent travel insurance warning for anyone booking a holiday
Consumer champion Martin Lewis issued a warning to anyone planning their next holiday not to forget their travel insurance.
The MoneySavingExpert founder shared some advice during an episode of ITV’s Money Show Live last night.
Brits have been flocking to book their next getaway after the UK government relaxed travel restrictions earlier this month.
Lewis urged anyone plotting their next holiday to ensure they get travel insurance as soon as they book, the Liverpool Echo reports .
The finance whiz said he is inundated with queries from people each summer to ask what their rights are when they have to cancel a holiday due to unforeseen circumstances.
He explained: “The answer is you don’t have any. The flight is still going ahead and there’s nothing wrong with your ticket.
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“I ask if they’ve got travel insurance and they say ‘I was gonna get it before I went'”.
Lewis implored people to purchase insurance as soon as possible because “so many of the things you can claim for can happen before you go on holiday”.
The money expert said the cheapest travel insurance for under-65s can start from as little as £9 per week for an individual in Europe.
The policies Martin identified cover people who can’t travel after testing positive for Covid – and also provides protection for anyone who contracts the virus while abroad and has to stay longer.
He added: “I call these deals no-frills because they’re super cheap and they all meet my minimum claim levels.
“But I can’t vouch for the service and how they handle claims. They’re very cheap and if you have a problem with how they handle the claim, you can take this up with the ombudsman.”
The money guru urged holidaymakers to check whether the policy is suitable before signing up.
He said: “Check the policy, check the cover levels, read through it before signing up to the check it is all suitable. That’s one of the things you can protect yourself of.”
What travel insurance do I need to get?
Travel insurance is more important than ever in current times, but when booking a policy at the moment check that it includes Covid cover – and make sure to read the fine print so you know exactly what you’re covered for.
For example, you may want an extensive policy that includes trip cancellations, medical expenses or being required to cut your trip short due to Covid-related reasons.
It’s worth noting that if the Foreign Office advises against travel to a destination, your travel insurance will be invalidated if you choose to travel against this advice.
If a country is on the red list, the Foreign Office usually advises against all non-essential travel, so your holiday will likely be cancelled.
When a travel firm cancels your holiday, you are entitled to a refund. Some travel companies have still been offering alternatives such as rebooking to a later date or different destinations and credit vouchers. You are welcome to choose these options, but you are entitled to a refund if this is what you would prefer.
If you booked a flight and hotel separately, then you may need to do some negotiating, especially if your flight isn’t cancelled. As for your accommodation, whether you can get your money back will depend on your booking policy.
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