Almost a quarter (22%) of holidaymakers buy the cheapest travel insurance they can find, according to a new Opinium survey of 1,000 holidaymakers by Multitrip.com, a specialist travel insurance provider. Additionally, only three in ten (29%) say they do a lot of research into which travel insurance to buy.

Worryingly, only a third (33%) check that the cancellation limit amount would cover the cost of their holiday, if they had to cancel before travelling, and the same number also do not check that the luggage limit amount would pay for their lost or damaged luggage and contents. Also, only a minority of holidaymakers (17%) check travel insurance protects them for events including strike action, natural disasters and IT failures.

Christian Bennett from Multitrip.com said: “It’s really important to do your research when buying travel insurance to make sure that you put in place the right cover for you. Ask yourself if the baggage and cancellation cover is enough for what you need. Make sure that the activities you plan to do, such as diving, parasailing, water skiing are included or can be added to the policy. If you’re concerned about strikes and delays, include Travel Disruption cover in your policy for additional peace of mind.”

He continues, “Gadgets are an essential part of people’s travelling kit. The value of all these gadgets can easily exceed the protection offered by most standard travel insurance policies. We offer additional Gadget Cover to enable customers to protect the gadgets they want to take away with them.”

Multitrip.com offers three levels of protection, Essential, Premier, and Premier Plus. Adding Travel Disruption Cover, Gadget Cover, or Winter Sports to a travel insurance policy ensures you’re covered for more specific travel needs.