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Beware of the small print!

Whether you are jetting off to snow-covered mountains or sunny, sandy beaches, a decent travel insurance policy is a must-have according to Victoria Bischoff at Yahoo Finance.

Sadly, not everyone is aware of the exclusions, restrictions and limitations that often come with insurance policies and consequently, find themselves out of pocket.

1. Do not rely solely on your EHIC (European Health Insurance Card)
EHIC is not a substitute for travel insurance and will not pay out for repatriation and other holiday mishaps such as lost luggage, cancelled flights or theft, so it is imperative you take out a separate policy. However, with some insurance providers such as Flexicover, use of your EHIC will enable you to reclaim your excess.

2. Watch that last pint
Most policies exclude claims for medical treatment in respect of personal injuries caused by excessive alcohol intake. You can certainly have a beer or glass of wine if you wish but be aware of the impact on your travel insurance if you decide not to stop.

3. Read before you leap
If your trip is planned to include active and more extreme adrenaline sports, you may need to take out additional cover. Flexicover Direct automatically covers over 110 sports activities from bungee jumping, jet skiing to white water rafting, plus many more in its policies. But do please check your cover before your trip.

4. Avoid 'No-Go' travel areas
It is important to disclose to your insurer exactly where you are travelling. Insurers will quite rightly invalidate cover for the sights and sounds of Iraq right now - please check with the FCO if you are in doubt about the security of the places you intend to visit.

5. Don't leave without your valuables
For obvious reasons, claims are often invalidated on the grounds of negligence if your valuable possessions are 'not on your person' or are left unattended.

6. Delaying a policy purchase can be expensive
Purchase your travel insurance policy early - ideally at the same time as you book your holiday to obtain full cover against cancellations.

As a Flexicover Direct policyholder you will benefit from a comprehensive list of covers including trip cancellation, baggage, money, personal accident and personal liability, all at a very affordable price.

For more travel news and tips from Flexicover click here.

If you are travelling soon, have a great trip!