Holiday insurance is there to offer protection and cover in the event of anything going wrong whilst on holiday. Luckily for us, today's travel is a lot safer than it was in Christopher Columbus’s day. Nevertheless there are still plenty things that can and often do go wrong which is why it is advisable to take out holiday insurance.

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Before beginning the search for holiday insurance its worth considering that you may already have some cover with your current insurance policies. For instance your motor insurance may already covers you for driving whilst on holiday. And your house insurance policy may well cover some of your possessions when you take them outside the home and on holiday with you.

The cost of your holiday insurance policy is calculated by looking at the geographical area you travel to, the activities you plan to undertake, the time period you travel for and the amount of cover you require. But as a general rule, the lower the amount of cover offered the cheaper the policy. So when comparing prices make sure you are happy with the level of cover offered. The cheapest policy may not be the best. Check what cover is on offer for the below categories.

• Personal belongings
• Cash
• Medical expenses
• Personal accident
• Cancellations and curtailment
• Delays
• Legal expenses

Its also a good idea to look at what activities the policy covers you for. Its always better to be honest and tell the insurer what activities you are planning to undertake. If you are planning on skiing or taking an adventure holiday then the policy will be more expensive but at least you'll be covered in the event of an accident. If you are planning on driving on holiday it will also be worth checking if you are insured to drive hire cars or your own car and if so what level of cover they offer. If you are on the wrong side of the road in a foreign country then third party insurance might not be adequate enough cover.

The following levels of cover could be used as relatively safe amount of cover for each area, but this is only a typical level of cover and not suitable for everyone.

And it’s worth noting that the only way to realistic find the cheapest and best quote is to shop around. Many companies claim to be the cheapest with the best cover & service but they can’t all be so make sure you get several quotes. We hope you find the holiday insurance company directory useful whilst hunting for quotes.