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These days, it is usual for
people to prefer to use a travel insurance comparison system to find
their holiday cover at an inexpensive rate, rather than to go direct to
a travel insurance company for that cover. Because price comparison
sites are a quick and easy way to compare travel insurance quotes from
lots of providers and to then save money on your cover, they have an
obvious appeal.
It has to be said, however, that going direct to a top travel insurance company instead of conducting a travel insurance comparison is often a better choice. If you do so, you get to tailor your cover, you get good cover as standard, and you can use a tried and tested insurance provider and world-class brand. Excessive cost-cutting by getting the cheapest quote from a travel insurance comparison system tends to leave out features that most like to have. Also, with travel insurance in particular, a very high excess - as is usual with the cheapest policies - can render the policy close to useless for many common scenarios where a small claim is needed and yet the excess is not exceeded. Nonetheless, it is also the case that holiday cover can be quite costly, adding significantly to the cost of an already expensive trip. It is therefore understandable that many, perhaps most, will see a travel insurance comparison as an important and valid way to cut costs. Indeed, as the link at the top of this article indicates, we do offer a one form travel insurance comparison service here as well as our direct travel insurance companies; so we would not wish to dismiss a travel insurance comparison service altogether. The key point is simply that if you buy cheap cover, you need to be extra careful in assessing the policy features to consider whether they are likely to effectively meet your own travel requirements and possible risks. You often find with a travel insurance comparison that the best choices are further down the list than the very cheapest of prices quoted. As stated above, you can avoid these quality concerns by going direct and you shouldn't expect to pay too much for what you're getting. What we wouldn't advise is simply accepting the travel insurance offered by your tour operator. The business model of these companies relies significantly on making a good commission when they sell travel insurance to you and so the price the consumer pays is rarely competitive. Their policies can sometimes be somewhat overinclusive, futher pushing up costs while enhancing the size of their commission. |
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