Traveller insurance is designed to give you peace of mind if anything happens to go wrong. Your travel agent might have helped with all the flights, hotel bookings and excursions, but you might want to think again about the agent’s offer to arrange travel insurance:

• the travel agent seems to have done a good job arranging all the nuts and bolts of your travel plans and the travel insurance quote – as just one extra add-on – appears to be a reasonable incidental expense;
• it’s a convenient offer, since you’re already dealing with the agent and might save yourself another trip to the high street to arrange insurance;
• but given all the things that might go wrong during your travels, you might consider traveller insurance to be rather more than just another incidental expense;
• instead, therefore, you might prefer to buy it from a provider dedicated specifically to the travel insurance industry and a finger on the pulse of the whole market;
• you might then take reassurance from the fact that your traveller insurance comes from a provider with particular experience and expertise in the insurance business alone;
• you might also take comfort from the fact that an independent travel insurance agent or broker typically has far wider access than your travel agent to the whole of the market and may, therefore, be able to identify especially attractive and competitively priced policies that suit your particular needs;
• you don’t have to stop there, of course. Your travel agent might have offered you one travel insurance quote and an independent broker another. If you want a still wider basis for comparison, you may wish to request additional quotes;
• thanks to the ease, speed and convenience of the internet, it is not difficult to request a travel insurance quote from any number of specialist online travel insurance providers;
• when you come to compare those quotes, of course, your criteria for selection are likely to be shaped by the insurance cover you need, in the light of the travel you propose and your personal circumstances;
• if you are travelling on a budget, with little in the way of baggage and in rude good health, you might consider that basic cover, at a discounted insurance premium, is the cover that suits you, otherwise, you might want to pay somewhat more for greater protection and peace of mind;
• in either event, of course, it is important that you compare like with like – and cover for cover – before finally deciding on the travellers insurance that is most suitable for you.

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