Travel Insurance Daily

* Renew your travel insurance at least a week before you go on holiday. Don’t leave it to the last minute, otherwise you might not have time to check that the policy schedule is correct before you leave.

 * If you are renewing an annual policy, clearly you don’t need to renew it until you are about to go on holiday again. But remember that annual policies cover short breaks as well, so check your policy .

* Don’t rely on the ‘free’ travel insurance which comes with some credit cards and bank accounts. These policies can be fairly basic and may not cover you for winter or extreme sports, so check the small print, and if necessary buy extra cover.