You’ve been looking forward to your holiday all year. You’ve got your money exchanged, your passport is packed and your suntan lotion is at the ready. And of course, you’ve had the good sense to make sure you’ve taken out the appropriate travel insurance.

Or have you?

Research from a number of companies shows that around 15% of people regularly travel without insurance. Should you be unfortunate enough to have items lost or stolen or to need emergency medical attention, the costs involved can far outweigh that of taking out travel insurance.

Indeed, a study on uninsured holidaymakers from Direct Line shows that 11% of people who lost items or were the victims of theft were unable to replace items because they were uninsured and couldn’t afford to do so. Plus don’t forget, there may also be emergency medical expenses to contend with, should you become ill or have an accident while on holiday.

As you can see, it makes perfect sense to take out travel insurance so that you can enjoy your holiday knowing that you have cancellation, medical expenses and personal belongings cover. Direct Line offers a range of travel insurance – single and annual policies as well as ‘Discoverer’ – an option for extended trips of between 3 and 18 months. Depending on the cover you take out, your personal belongings and money will be covered (to a limit) and you also have protection against accidents and in case you need emergency medical treatment.

You can find out what is and isn’t covered and get a quote online in minutes. What’s more, buy online and you will receive a discount.