Millions of individuals and families are buying insurance policies and visa for their overseas trips and holidays.

Some of the most common types of insurance cover :-

How to buy insurance

You can buy insurance through a number of different channels:

When you buy insurance you will usually have to complete an application form online, over the phone or face-to-face. You must answer the insurer's questions truthfully as well as disclose any information which may affect their decision to insure you and the price of it. This is very important as your insurer may refuse to pay out on a future claim if you withheld information. It is wise to check all the information in your application form before submitting it.

Insurance firms must give you details about the service they are offering and a summary document with all the 'Key facts', details of the insurer, main features and benefits of the insurance, any significant or unusual exclusions in the policy, how long the cover will last and whether you have any cancellation rights.

Your insurance policy contains the terms of your contract with your insurer. This will include a schedule that has your personal details and the particulars of your specific policy. It is important to make sure that the information in your policy is correct, and you should check it very carefully as soon as you receive it.

The amount you pay for an insurance policy is called a 'premium' payable to your insurer in one lump sum or in instalments.

Travel Visas - USA, India, Australia

If you want to travel outside of Europe you may well require a visa. This includes destinations such as USA, India and Australia. If you need a visa it may well be worth using a visa specialist. For an Indian visa it is worth contacting the India Visa Company.