Basic cover protects you against the most common risks, but there are other extras and specialist products that you can add to protect certain equipment or a trip that is out of the ordinary. Here are some of the extras that are currently available:
Winter sports cover – If you are taking to the slopes this year, you’ll need to arrange winter sports cover. This will protect your equipment and also cover you for piste closure, delays caused by an avalanche and injuries incurred as a result of taking part in winter sports.
Cruise cover – If you are planning a cruise any time soon, arranging cruise cover will ensure your trip is plain sailing. Cruise travel insurance cover protects you against things like a missed port departure, unused excursions and cruise interruption or cancellation.
Golf cover – Make sure your golf break travel insurance is above par by choosing an upgrade that includes cover for your equipment, replacement equipment hire and lost green fees.
Gadget insurance – Gadget cover allows you to make a claim for the loss or damage of a gadget without affecting your personal belongings claim limit. It can be very beneficial if you like to take a number of gadgets with you when you travel, or you have a specialist gadget, such as a camera, that you would like to arrange separate cover for.
Some higher tier insurance products include these extras as standard, but you will pay a higher premium. It may be better to choose a basic policy and then “bolt on” any extras that you need.