When it comes to selling a home, it can be tempting for vendors to go ‘all out' to make their house stand out. But not every home improvement will add value. 

New research from a popular property portal has revealed the top three home improvements which could add significantly more value to an asking price, than the cost incurred to do the work.*  

Garden offices take the top spot 

Not surprisingly, the surge in post-pandemic remote workers has placed a garden office in the top spot when it comes to adding value. 

Research shows the average garden office costs almost £9,000 to install and will typically add 8.4% to the value of a home. Based on an average UK house price, a garden office could potentially add nearly £23,000 to the asking price, leaving a healthy profit just shy of £14,000. 

Good news for garage conversions 

A garage conversion follows in second place when looking at the most profitable improvements.  

A standard garage conversion would set you back approximately £14,500. The research suggests that with the potential to add just over £27,000 to the asking price of an average home, converting your garage could provide an easy £12,500 profit when you sell. 

A new kitchen is the third most profitable project 

In recent years, our kitchens have transformed from a place to prepare a meal, to somewhere we host, socialise and come together as a family. Research has shown that updating a tired kitchen before you sell your home is the third most profitable thing you could do. On average, the cost of a new kitchen comes in at £8,500, with the potential to add nearly £15,000 to the value of a typical UK home.  

Contact our team today for more expert advice on increasing the value of your home.  

Ready to sell? Book your valuation here. 

*Property Reporter 

Purchasing your first home is an exciting and potentially daunting concept. Making an offer may be especially nerve-wracking if this is your first time. Here are our tips to help you make a successful offer on your first home. 

Obtain a mortgage in principle 

It's a smart idea to see a mortgage broker before making an offer so they can determine your precise borrowing capacity. Following your mortgage appointment, you could be able to borrow more than you believe, allowing you to see houses that are worth far more than your initial budget. 

Conduct your research 

Determine the price at which comparable properties in the area have recently sold and the length of time the property you're interested in has been on the market. 

Utilise your strengths 

Sellers sometimes favour first-time buyers because they don't have to worry about a long chain of people. This means a shorter purchasing process and more flexibility when it comes to exchange and completion. 

Do not be alarmed if your first offer is rejected 

If your initial offer is reasonable, you should not be concerned if the seller declines it. Bear in mind that this is all a natural part of the negotiating process since the seller is seeking the highest possible price for the property. 

Work closely with your agent and the seller to make sure that the price is right for all parties. 

If you are a first-time buyer with questions about the purchasing process, contact us for support and guidance. 

Most people naturally think of major, expensive projects like a conservatory or an extra bedroom when it comes to increasing the value of their property. 

While this will likely increase the value of your home, in some circumstances, repurposing an existing room rather than building a new one can be far more cost-effective. 

Incorporate a kitchen island 

A kitchen island might be worth its weight in gold if you have the space for one. It will not only provide more seating but also additional storage space for pots, pans, and appliances. You can never have enough cupboard space! 

Include an en-suite bathroom 

Even though en-suite bathrooms are more common than they used to be, they still have a sense of exclusivity. Even though they are one of the most expensive renovations, they may be a highly valuable investment when it comes to selling your home. 

Include a walk-in wardrobe 

If you have sufficient space, a walk-in wardrobe is a great way to add value to your main bedroom. It also gives your home a sense of elegance and individuality, which can help it stand out when it’s time to sell. 

A loft conversion 

This is likely the most expensive option on the list, but it could provide your home with the largest value bump. Repurposing an existing space to make it more useful will certainly increase the value of your home and converting the attic to make an extra room is a great example of this. 

For more help on increasing your home’s value, contact our team. 

The last few years have proved just how changeable the property market can be, but several trends look set to stay.  

Younger buyers continue to be outnumbered by older buyers in the UK property market due to the wage to house-price ratio. * 

Interestingly, our living spaces have dropped from 24.89 sqm to 17.09 sqm since the 70s. Overall, new homes are around 20% smaller than 50 years ago, however, the size of our kitchens have increased! ** 

A number of factors are driving an increase in homeowners, first-time buyers and buy-to-let investors choosing new-build properties. One of the key reasons is higher energy efficiency compared to that of older properties. * 

Location to schooling and transport services continue to be primary influences on purchasing decisions. But other location-based factors – such as access to local shops – are becoming less of a consideration thanks to online delivery services. * 

Our final trend is highly relevant if you’re ready to sell soon. Did you know that spring is one of the busiest times of the year in the property market? Therefore, selling your home now means it is likely you will be in for a quick sale and achieve a top price for your home. *** 

Whether you’re hoping to find your dream property or take advantage of the rising demand, we’re here to advise you.  

Contact us today to book a valuation or discuss your options. 

*TLA 

**According to Which? 

*** Rightmove 

Research from digital security software companies, has found that almost a third of employees (31%) in the UK of a Small and Medium business (SMBs) are connecting to the corporate network using personal devices that have no security measures in place. This could pose a list of threats to these businesses, here’s why. 

Personal devices 

The rise in working from home on the heels of the pandemic has seen SMB managers needing to make drastic changes to adapt to the change in cultural working behaviours, which means providing their colleagues with efficient and suitable technology to work outside of the office. This is no easy task and among IT decision makers, many are failing to provide employees with their own dedicated work computers, with some even encouraging employees at home to use personal devices due to difficulties in supplying company hardware. This could prove to be a danger for these companies as private and confidential data is at risk of being leaked and stolen through unsecure browsers and networks.  

Poor cybersecurity risks for employees 

Working from home can enable employees to pick up bad habits and put their company’s data at risk. Some of these include: 

• Accessing sensitive data through unsafe Wi-Fi networks 

Employees working remotely could be connecting to their home wireless network or handling sensitive data and accessing accounts using unsecured public Wi-Fi. This is where the risk arises as malicious cybercriminals nearby are enabled to easily spy on and harvest confidential information.  

• Using personal devices for work 

There’s a high chance that many employees see no harm in transferring files between work and personal devices for convenience. However, if the employee leaves the company, they will be holding on to confidential information that has been stored on their device.  

• Using weak passwords 

Cybercriminals are well aware of human error and will be quick to exploit it. Hackers can pull together lists of frequently used passwords and use them to access poorly protected accounts. 

• Unencrypted file sharing 

Employees store and share private information all day, every day and companies cannot afford to have this information stolen. Encrypting and protecting data is crucial as sensitive company information being intercepted can lead to identity fraud, ransomware, cyberattacks, theft and more.  

Risk for companies 

Employees could be unknowingly putting their company at risk by working from home without adequate security controls. Poor cyber security and lack of training can result in: 

• Email scams 

One of the biggest threats to a network’s security is threat actors gaining access to private information and without proper training and support, employees could be opening the door to them by interacting with phishing emails. These emails have become more sophisticated over the years and it’s becoming harder to determine authenticity without extensive training on the matter. 

• Security controls are weaker 

Multiple existing layers of cyber protection will not apply to remote employees. Replacing the office network with home Wi-Fi means devices are unprotected and exposed to possible unsecured networks.  

• Threats all around 

When it comes to remote work, security risks are everywhere. Unfortunately, the lack of monitoring and control which comes with remote work appears to be a blessing for cybercriminals, as sensitive information is simply easier to steal from a person’s home. Educating employees and ensuring your company and all its devices are secure and protected are the only ways to tackle cybercrime. 

If you are worried about cyber criminals impacting your business contact us today.

Many businesses across the UK have felt the lingering impact of the COVID-19 pandemic, and cutting financial corners seems to be the chosen method to keep things afloat. But does cancelling your insurance cause more damage than it’s worth?  

Coverage for Past Work 

Cancelling insurance means you will lose your coverage for any previous work. Errors and omissions insurance is typically a claims-made policy, which will not cover claims filed after the policy has been cancelled, even if the incident took place while the policy was in effect. This could land you and your business in some legal trouble and unless you pay for additional coverage when you start up a new policy, you could be susceptible to lawsuits related to past incidents before the new policy started.  

Cancelling and Restarting 

It’s not uncommon to cancel insurance while things are tight with the intention of picking it back up later. Unfortunately, cancelling will hike up your premiums with additional charges and fees when you start back up again, and you cannot guarantee your business’ financial security during the period free of coverage. 

Types of business insurance 

There are many different types of business insurance available, and the right cover depends on your business. Whether you own a business in customer care or a marketing service, you’ll require a tailored package with necessary cover to protect your business from suffering any catastrophic losses. A professional insurance agent will be able to find the right package for your business and adjust it to any additional needs. 

Professional Indemnity and Public Liability Insurance Protect Your Business 

No matter your commitment to customer care in your workplace, things don’t always go to plan and mistakes which involve other people often come at a cost to your business. For businesses that provide advice and service to customers and deal with intellectual property and confidential data, insurance is a must. Bad advice, faulty service and negligence can cost money and lead to legal trouble. PI and PL insurance will cover your legal defence fees and compensation payments, which can be hugely detrimental pay-outs if your business isn’t covered. 

Why Employers’ Liability Insurance is Important 

Most employers are required by law to insure against liability for injury or disease to their staff resulting from their employment. Employers’ liability insurance covers your business in the instance of an employee making a claim against you and your workplace. You can be fined as much as £2,500 every day your business isn’t covered by an employers’ liability insurance policy which complies with the law.  

Adjusting Your Coverage 

Adjusting a business's coverage by consulting with your insurance agent is a much more feasible option than cancelling all together. You may be able to lower your premiums, or your business might qualify for less coverage if your overall package is slipping outside of your budget.  

Cancelling business insurance only results in further losses, contact an agent for advice today.

Despite common misconceptions, the risks from cyber security threats are just as significant for small businesses as they are for large enterprises. Unfortunately, obscurity or the size of a business will have no impact on cyber security, and every type of business can become a target.

Attackers are becoming increasingly coherent in automating attacks, making it easier for them to target thousands of businesses at once. Small businesses should be aware that having less stringent technological defences, less awareness of threats and fewer resources to put into cybersecurity will leave them more susceptible to hackers and a much easier target than bigger organisations.

For these reasons, it’s vital that small businesses invest time in awareness of cyber security threats and how to stop them. Here are the top 5 security threats facing businesses today:

Phishing Attacks

Phishing attacks are amongst the most damaging and widespread threats facing small businesses today. They occur when an attacker poses as a trusted contact to entice a user to click a malicious link, which will then download a malicious file or allow access to sensitive information, account details, or credentials.

These attacks have become more and more sophisticated over the years, with attackers mastering the art of disguising themselves as legitimate business contacts. These attacks are catastrophic to businesses and extremely difficult to combat. Attackers will implement social engineering to target humans within a business rather than any technological weaknesses.

Malware Attacks

Malware is second on the list of huge threats facing small businesses. These attacks encompass a variety of cyber threats, such as trojans and viruses. Malware is the term for malicious code that hackers create to secure access to networks, steal data, or destroy data on computers. It usually comes from website downloads, spam emails or from connecting to other infected machines or devices.

These attacks are particularly harmful to small businesses as they can cripple devices that are costly to repair or replace. This can also allow attackers access to confidential data, which can put clients and employees at risk. Small businesses are more likely to allow employees to use their personal devices for work to save on time and equipment. However, this increases the risk of a malware attack, as personal devices are more susceptible to malicious downloads.

Ransomware

Ransomware is a very common cyber-attack which affects thousands of businesses every year. Ransomware is one of the most lucrative forms of cyber-attacks as it involves encrypting company data so that it can no longer be used or accessed, which then forces the company to pay a ransom to unlock the data. This is an extremely stressful predicament, and businesses affected are left with a tough choice – to pay the ransom and take a huge financial blow or cripple their services due to a loss of data.

Small businesses are at high risk from these types of attacks because most smaller businesses will not have backed-up data and will need to be up and running as soon as possible, making them more likely to pay the ransom.

Weak Passwords

Weak or easily guessed passwords are proving to be a huge detriment to thousands of small businesses. Many small organisations equip themselves with cloud-based services that require different accounts. These services often contain sensitive data and financial information. By using weak passwords or the same passwords for multiple accounts, this data can easily become compromised.

This issue can be boiled down to a lack of awareness among employees about weak passwords and the damage they can cause, which is why it’s so important for these businesses to enforce stronger engagement with cyber safety procedures.

Insider Threats

An insider threat is a risk to an organisation that is a result of the actions of employees, former employees, business contractors, or associates. These attackers will infiltrate a business by accessing critical data about the company which they can use to their benefit due to greed, malice, or simply ignorance and carelessness.

This is a growing issue and puts both employees and customers at risk, while also causing the company financial damage. Due to smaller businesses often allowing more employees to have access to multiple accounts, the risk of insider threats becomes greater.

If you would like to know more, please contact us.

Letting your car insurance renew automatically may sound like an attractive option as you won’t need to put in any extra work, and you might be happy with the plan you’re on right now. However, this is one of the most expensive mistakes to make, as deciding not to seek out a better deal means your insurer can take advantage of your indifference and subsequently, hike up your premiums.

Without shopping around first, you could be missing out on endlessly cheaper deals on your car insurance, and there are countless other ways to drive that cost down even further. Here are our top tips:

Consider a telematics policy

Telematics car insurance bases your fees on real data about your driving behaviours, which can be recorded either through a black box fitted to the vehicle or a mobile phone app. As long as you’re a safe and careful driver, this is a great option for any age group, as telematics insurance can offer much lower premiums.

Limit your mileage

By limiting the number of miles you drive each year, insurers will see you as a lower risk, which will qualify you for cheaper insurance.

It’s pinnacle that you provide an accurate estimate of your mileage when getting a quote, as your policy becomes invalid if you’re dishonest.

Improve security

Consider installing security devices such as alarms, immobilisers, and locking wheel nuts.

You should always get a quote on how much your insurance would cost after these upgrades first, so you can weigh up whether the cost of these measures is worth the savings.

Increase your voluntary excess

Opt for a higher voluntary excess when you take out your policy, as it will lower the price of your insurance.

However, if you make a claim, you will have to pay the excess towards the cost of repairing or replacing your car, so make sure you are able to afford the excess just in case you do end up having to pay it. 

Pay annually

A lump sum may seem daunting but paying monthly is a loan which comes with interest. This is why paying upfront is a substantially cheaper option if you have the funds to do so, and you won’t end up spending anything on borrowing. 

Build up your no-claims bonus discount

Insurers reward drivers who are claim-free by discounting their premiums for cheaper insurance. So, keep driving safely and responsibly and you will see the benefits year-on-year.

Park with care

If you have a driveway or a garage, make sure you keep your car parked there overnight.

This will drastically lower your chances of your car being stolen or vandalised, and insurers may lower premiums as you’ll be seen as less of a risk.

Avoid modifications

Modifications of all kinds — whether they’re upgrades to styling, audio, or performance — could result in a large hike in the price of your insurance.

This is because features such as alloy wheels, body kits, and performance upgrades can make your car substantially more attractive to thieves, and your insurer will see your vehicle as a higher risk. Modified cars also tend to be more expensive to repair due to their expensive parts.

To find out more, please contact us.

There are few better feelings than the freedom of driving on the open road. Sometimes, made even better when you are not quite sure where you are going! The scenery is beautiful, the road is clear, for once. There are only a few things that could spoil it. Your car is reliable and never lets you down, so it’s not going to be a breakdown.  

The sounds of your motor and the feel of the wheel is sublime as you twist and turn along B roads. The last thing you want to think about is whether you are fully covered or have that horrible feeling of being ripped off, so here’s a few things that are good to know.    

The right level of cover  

Most people are familiar with the differing levels of cover defined as fully comprehensive, third-party fire and theft, and third party. Not so well known is the fact that third-party car insurance is not necessarily cheaper than comprehensive cover.  

Shop around 

Today with so much consumer choice shopping around has never been easier. However, there is still room for negotiation.  

Haggle! 

If you are not planning on sticking with your current car insurance provider and you get a better quote elsewhere, ask them the question - Is that your best price? You might be surprised on what they could do for you!  

Don’t pay monthly  

Paying monthly is very convenient if you don’t have the funds to pay in a lump sum. Remember you are effectively borrowing the money at quite a high interest rate, if you pay monthly, so it will cost you more in the long run.  

Get a black box fitted  

A black box measures your mileage, speed, acceleration, braking and cornering as well as the times and roads you drive on. If you are a careful and cautious driver this may lead to a more competitively priced premium.    

Increase your voluntary excess  

As a general rule the higher the voluntary excess you pay the less your premium, a word of warning, be realistic, if you do have an accident you will have to pay it so don’t make it too high!   

Try and reduce your mileage   

The less mileage you drive the less your premium will be. Always be as accurate as possible and if you  think you are going to exceed your annual mileage inform your insurance provider immediately.   

Car security  

Most cars are now fitted with alarms as standard but fitting an immobilizer could reduce your premium as will off- street parking compared with street parking.  

No-claims bonus  

The more years you get under your belt without making a claim the cheaper your premium. If you are in a non-fault accident you still must inform your insurance provider and your premium may increase.   

Protect your no-claims bonus  

Some insurance companies give you the option of paying a bit extra to protect your no-claims bonus, so if you do claim your no-claims bonus will not be lost, in part or completely.  

The right car  

If you are just starting to drive and you want to save on car insurance buy a car that is cheaper to insure. Cars in insurance groups are cheaper the lower the number. Ranging from 1-50, if you are lucky enough and have the budget you may look at cars closer to fifty! 

CTA – Need some advice on finding the right car insurance premium? Call for a quote.  

*TheTimes 

Cyber risks are one of the biggest concerns for all businesses today. Cyber security does not just deal with internet-based threats such as, network security and Internet of Things security (IoT), but also critical infrastructure, cloud security and application security. 

Simply put, cyber security aims to protect systems, networks, programs, devices and data from cyber-attacks and aims to stop sensitive information getting into the wrong hands.  

Cyber insurance is a specialist form of insurance which aims to cover against cyber based data breaches. It’s been around since the mid-nineties in a basic form. Compared with other types of insurance it’s relatively new. Don’t be fooled by its recent arrival to the party! Businesses without it run the risk of being destroyed. Cyber-attacks are becoming more common-place and operating in today’s business world without it is a huge risk.           

There are three levels of cyber-insurance protection  

Third party 

This covers the cost of compensating the third party who suffers data breaches or cyber-attacks due to the insured being at fault. While it’s not liability insurance, it’s similar to a traditional liability insurance for business policy, in the sense that your client is protected if your business is at fault.     

First party 

Essentially this type of policy covers businesses directly and all insured parties for costs caused by cyber-attacks. It’s a bit like fully comprehensive car insurance compared with third party, as your business is covered not just the third party.  

Silent 

Ironically this type of insurance is not cyber insurance, rather it covers losses which come about as a result of a cyber-attacks that are covered by traditional buildings or liability insurance. For example, if your business’s computer system was fitted with malware, which causes a blackout and one of your employees slips and is injured. Then your employee liability insurance, if it did not exclude incidents stemming from cyber-attacks, would pay compensation.      

Cyber insurance should cover the following  

Data breaches 

This covers your business for any expenses arising due to data breaches such as compensating victims to administrative costs associated with communicating with those affected.   

Regulatory civil action 

This covers against regulatory bodies issuing fines due to breaches concerning GDPR – General Data Protection Act.  

Extortion  

Cyber extortion is sadly becoming more prevalent, especially with unaware employees. The culprits often using phishing attacks – clicking on a link that contains malware, with the result; data being stolen from the insured with the illegal party then attempting to sell this data back to the policy holder.    
 

Virus liability  

If your clients get a virus from your systems and need to be compensated, then your business is covered. This can happen despite anti-virus software and needless to say the damage caused by viruses can be colossal and lead to the loss of millions in revenue and huge legal expenses.   

Loss of income  

If your computer system suffers a meltdown or your website goes haywire and losses are incurred as long as you can provide proof of the loss of income, then your business will be compensated.    

Loss of data 

This covers the cost of replacing any lost data due to data breaches or sabotage, viruses as well as many other scenarios. Always check what you are covered for with your insurance provider.  

Errors and omissions   

Traditionally a form of professional liability insurance to protect companies and their employees primarily in the event of your company misinforming a client. As an example, if you provided a client with incorrect financial advice and they seek compensation then you are covered. In the context of cyber- security if this misinformation is due to your software, then your business is covered.     

It’s a no brainer 

The risks of operating without cyber insurance are almost incalculable. Technology is ubiquitous no matter which industry your business operates. Are you prepared to risk it all?  

CTA – Need a competitive quote and want to talk to someone who can get you the right cyber insurance policy? Contact us.  

*itsec.group 

Life insurance gives you peace of mind and reassurance that if the worst should happen your loved ones and potentially the home you worked so hard for are financially secure. 

Supporting your family is your top priority, life insurance prevents your family potentially enduring extreme hardship when you are not there to provide for them.  

There are many misconceptions about life insurance. The key to getting to grips with life insurance is understanding that everybody is different. Your individual requirements and circumstances will shape your policy and premium.  

Life insurance is costly  

Life insurance is not expensive, the cost of your policy will depend on your age, the term of the policy and your health.   

You don’t need it! 

Many young, single people are of the opinion that they do not need life insurance. You have no dependents so what’s the point? If the worst did happen, wouldn’t it be nice to leave something to your niece, sister or parents? 

You already have it 

Perhaps you get life insurance at work as a perk. However, it is important to check that the pay-out is sufficient to take care of your beneficiaries adequately. Perhaps you have a mortgage, and you want to be able to pay it off and have funds left over to ease financial pressure on your family, if you are not there.   

Check-ups 

It’s not true that you need annual health check-ups. In most cases you will not need a full medical examination before taking out a life insurance policy. You will be asked to provide information about alcohol consumption, whether you smoke or not, your height, weight or anything else in your lifestyle choices that could affect your health, for example; Do you have any dangerous hobbies?      

Life insurance and your mortgage  

While it’s true that some mortgage providers require you to take out life insurance, generally it’s not required. If you are obliged to take out a life insurance policy as part of your mortgage deal - Is it really such a bad idea? Your family will reap the benefits, while your mortgage provider has peace of mind that your mortgage will be paid.      

Will you pay tax? 

Life insurance pay-outs are tax free, so your family will not endure income and capital gains tax if your insurance provider makes a pay-out. However, pay-outs can be added to the total value of your estate and could be subject to inheritance tax.    

Covid  

It’s essential that you check the terms and conditions of your policy. Some insurance providers may differ. Generally, it’s worth remembering, that if you or a loved one makes a claim on your life insurance policy, you are subject to the terms and conditions of your policy and should receive a pay-out in the event of covid.       

Your health concerns you   

It’s not true that you can’t take out a life insurance policy if you have pre-existing medical conditions. It will increase the cost as it increases the chances of you making a claim. Unfortunately, certain insurance providers may refuse to offer cover, although it’s worth remembering that there are specialist life insurance providers who will cover you.  

In conclusion 

Life insurance is important when it comes to providing for the people closest to you. Just remember the golden rules. Check your terms and conditions thoroughly and always be honest and disclose any information that could affect your premium. Otherwise, you could invalidate your policy and your loved ones will suffer the consequences.   

CTA – Do you want to enjoy that comforting feeling of knowing you can always take care of your loved ones?  Get a quote.  

*TheTimes 

Traveling is one of the greatest investments of your life. Whether you are backpacking across multiple countries and enjoying the sensory overload of the sights and smells of so many diverse and vibrant cultures. Or, if you are simply having a week in the sun to rest up and give yourself that all important, well-earned, break on the beach.  

A good travel insurance policy is well worth paying the relatively low cost to keep anxiety or worry to a minimum, and fun, relaxation and enjoyment to the maximum. You don’t want to have any concerns niggling at the back of your mind. You want to devote your entire holiday to becoming a stress-free, collage of happy memories. 

Types of cover  

There are many types of cover depending on your requirements. For the most part the clue is in the tile of each! Annual/multi-trip cover, single trip cover, winter sports, backpacker travel insurance to name a few. Your premium will depend on your age and any pre-existing medical conditions. Insurance providers also categorise cover types according to your destination, for example, European or worldwide.  

Couple, family and group cover 

If you are travelling as part of a group, with family or as a couple, you are most likely to get a cheaper deal if you take out the relevant group policy instead of insuring individuals separately.   

You should get what you pay for! 

Don’t just go for the cheapest quote you find. When you look more closely at the small print you may find some nasty surprises. It’s also worth pointing out that you may have travel insurance cover as part of your home insurance policy. Again, check the details, it may only cover certain destinations or have other limitations.   

Look out for exclusions and exemptions 

These can be quite common, so it’s important to find the right policy with the right insurance provider and check out any pitfalls. Exemptions can be based on age limits, alcohol consumption, driving and reckless behaviour.    

Cancelations  

Remember your travel insurance will cover you against cancelations. Always check your terms. It’s comforting to know you will not have to pay twice, or lose out on a trip of a lifetime, due to unexpected events which force you to cancel.    

GHIC card 

A Global Health Insurance Card is no substitute for travel insurance, although it’s free and may entitle you to reduced or free medical care in the EU. It’s important to know that it will not cover you for medical treatment.    

Shop around 

Travel insurance providers vary in what they can offer you and what they cover. It’s wise to spend a bit of time shopping around to get what you need at the right price.   

Finally 

Don’t forget your passport, with the right travel insurance cover, all you have to do is have a great time!    

CTA – Going somewhere nice and need the right level of travel insurance for you and your family? Browse our website.  

*gocompare