The importance of travel insurance cannot be overestimated when planning your holiday. We spend fortunes and time on buying the right sun-cream, the right insect repellent; the best bikini or coolest sunglasses, yet the single thing that can save you from dilemmas worse than a bite or a burn are so often rushed and overlooked by the traveller.

It is for this reason that we spend too much on travel insurance, usually to find that it doesn't efficiently cover the needs met by our holiday and the potential hazards it could bring. According to research put together by Alliance & Leicester, travellers are spending millions more than they should be on travel insurance, because they aren't bothering to browse a full range of quotes. They are instead going straight to their travel agent for overpriced packages, forgetting that the travel agent is on commission, hence the extra-expense. And for all that extra money, you are more than likely going to end up ticking a box without a real sense of what it is you're paying for and what it is you're getting out of the deal.

To be your own travel agent and save a significant sum of money, check for travel insurance deals online. For comparative deals, two you might like to try are AA Travel and Go Travel Insurance, who both provide a range of specific packages to suit your travels exactly. From a Skier's insurance, to one tailored to the backpacker - Go Travel's travel insurance packages even extend to wedding and golf cover.

You can literally book them on line, which is fairly hassle-free given that all you're doing is submitting the duration of your stay into the online form of your chosen insurance package. You'll find that you spend a few pounds instead of a wad of notes to be protected and insured during your holiday.

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