Cheap holidays

Some issues can make it harder to find affordable travel insurance

Expert advice has been issued for many Brits planning to go abroad. People with disabilities and long-term medical conditions are being warned to shop around for travel insurance as their health history can send premiums soaring.

Having a medical condition does not mean you cannot get travel insurance – but it can make finding affordable cover considerably harder. Research by Which? highlighted in a new post on X on Wednesday, September 2 found that seven in 10 of its members who had bought travel insurance in the previous two years had declared a medical condition. While most said this had only a minor effect on their ability to find an insurer willing to cover them, many reported that their condition pushed up the price.

One in four said their medical conditions had a major impact on what they paid. The problem can become particularly acute for older travellers.

Data from Compare the Market cited by Which? suggests customers aged over 65 pay roughly double once their medical conditions are taken into account. And simply buying a standard travel policy without declaring a condition could leave holidaymakers dangerously exposed.

Insurers usually require travellers to disclose their medical history, with specialist medical screening companies assessing the risks involved. The resulting risk assessment can affect whether an insurer will provide cover and how much it charges.

But different insurers can make different decisions – meaning it pays to shop around rather than accepting the first quote.

Specialist policies to consider

Which? assessed policies from specialist providers and identified several as Best Buys. Saga came out on top, with its Plus annual multi-trip policy scoring 82%.

It provides up to £20 million of medical expenses cover, £20,000 cancellation cover and £10,000 for baggage and valuables. Saga’s Plus single-trip policy scored 81%, while its Standard annual multi-trip policy scored 77%.

Staysure Signature scored 74%, with unlimited medical expenses cover, £15,000 cancellation cover and £5,000 for baggage. AllClear Platinum scored 70%, also offering unlimited medical expenses cover.

Which? also highlighted InsuranceWith’s Platinum policy, which scored 68% and includes £5,000 of gadget cover.

Don’t hide your medical condition

Travellers should be completely open about their health when buying cover. A medical condition may result in a higher premium or an exclusion being added to a policy. An exclusion could mean claims linked to that condition are not covered – potentially leaving someone facing a huge bill if they become ill abroad.

Which? insurance expert Dean Sobers said there is a reason it publishes information about the medical screening companies used by insurers. The organisation found that 80% of the policies it assessed used Verisk for medical screening, while 12% used Protectif.

This can matter because insurers may reach different decisions about whether to cover someone – and what to charge – even when the same screening process is involved. He said: “When searching for quotes, you may have found yourself answering what feels like identical health-related questions over and over even when trying different insurers. You’re not imagining it: medical screening is outsourced by most travel insurers, with the vast majority using just two firms – Verisk and Protectif.

“While the insurer makes the ultimate decision about how much to charge you, the different approaches of the screening companies can lead to a different picture of your risk. Verisk, for example, asks you to state the name of your medical condition, while Protectif begins by asking you which medications you’re taking and works backwards from that.

“No particular screening company is necessarily going to deliver a cheaper quote, but if you feel like you’ve hit a brick wall with one, trying another could be worth it.”

Specialist insurers are specifically designed to deal with travellers who may be rejected, heavily loaded or offered limited cover by mainstream providers. And with the cost of holidays already high, shopping around could make the difference between being properly protected and taking a potentially disastrous gamble by travelling without adequate insurance.

A new study has found that the cost of a week’s car hire can vary by hundreds of pounds

Drivers hiring a car abroad could be paying far more than they need to if they don’t do their due diligence before booking. A new study has found that the cost of a week’s car hire can vary by hundreds of pounds depending on which rental company customers choose.

The biggest difference was uncovered in Dubrovnik, where a medium compact car – such as a Volkswagen Golf or Ford Focus – cost as little as £261 with one provider but £871 with another. That is a £610 difference, meaning the most expensive deal was 234% more than the cheapest.

The research, by iCarhireinsurance.com, compared prices from Avis, Budget, Enterprise, Europcar, Hertz and Sixt for the period from July 25 to August 1, 2026. It looked at seven popular holiday destinations, including Dubrovnik in Croatia, Faro in Portugal, Milan, Nice, Crete, Barcelona and Dalaman in Turkey.

How much could you save by shopping around?

Destination – Cheapest – Most expensive – Difference

Dubrovnik – £261 – £871 – £610

Faro – £390 – £796 – £406

Milan – £373 – £547 – £174

Dalaman – £337 – £487 – £150

Nice – £301 – £401 – £100

Crete – £344 – £423 – £79

Barcelona – £257 – £315 – £58

Faro had the second biggest gap, with prices ranging from £390 to £796 – a difference of £406. In Milan, the difference was £174, with prices ranging from £373 to £547, while in Dalaman there was a £150 gap between £337 and £487.

Even in Nice, where the difference was smaller, holidaymakers could save £100 by choosing the cheapest deal rather than the most expensive. Across all seven destinations, the average cheapest price was £323, compared with an average highest price of £549 – a difference of £226, or around 70%.

But the rental price is not the only cost holidaymakers need to watch. The study found that common extras could add another £391 to the bill if customers bought them all.

An additional driver cost £68 on average for a week, while a sat nav added an average of £76. A week’s super damage waiver excess protection cost an average of £196, while separate tyre and windscreen excess cover added another £51.

The excess is the amount a driver could be liable to pay if a hire car is damaged or stolen. In the study, the average excess was more than £1,600.

Holidaymakers are therefore being urged to look beyond the initial headline price when comparing car hire deals and check exactly what is included. Ben Wooltorton, of iCarhireinsurance.com, said: “It can be easy to assume that car hire prices will be broadly similar, but our research shows just how much they can vary between rental companies.

“Taking a few minutes to compare prices before booking could save a significant amount. It’s also important to look beyond the headline rental price. Extras can quickly add to the cost, and one easy saving is buying a standalone excess reimbursement policy in advance from a specialist provider.”

A standalone excess reimbursement policy from iCarhireinsurance.com costs from £33.15 for an eight-day European trip, according to the company, while an annual European policy starts from £41.99 for eligible customers.

The research was based on quotes for a medium compact car, such as a VW Golf or Ford Focus, from six major rental companies across the seven destinations.

Brits already mourning summer holiday season can ditch the cold for the sun-soaked beaches of Barbados, Antigua, St Lucia and more

The summer holiday season is officially at its end – but for those already dreading the return to the daily grind after their sun-soaked getaways, jetting off for a Caribbean cruise is sure to lift the spirits. And one cruise line has slashed prices on its autumn trips for the bank holiday weekend, with just hours left to save.

Ambassador is offering 5% off all of its remaining Caribbean cruise holidays in 2026, with prices including return flights from either Heathrow or Manchester Airport, to escape the dreary UK autumn/winter weather for golden sands and warm waters. Customers just need to book by midnight on August 31 using the discount code BANKHOL5.

First up is the Atlantic Horizons and Caribbean Discovery voyage, an epic 24-night journey sets sail from London Tilbury on October 29 and calls in France, Portugal and the Azores before crossing the Atlantic towards the islands of the West Indies. Priced from £1,709 per person for an ocean view room using the discount code – working out at just £71 per night – highlights of this trip include Antigua, Martinique, St Lucia and more, with a return flight from Barbados back to the UK included at the end.

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Next is the Tropical Treasures cruise holiday from November 22, a 14-night adventure sailing from Bridgetown, Barbados to visit the vibrant streets of Curaçao, the lush hills of Dominica, the coral reefs of Bonaire and the iconic peaks of St Lucia. Available to book from £1,614 per person using the August bank holiday discount code, there’s also the option to secure a half price premium drinks package and save on flight upgrades too.

Sailing at the start of December is the Island Rhythms and Blue Horizons trip, another 14-night holiday beginning in Barbados before heading to the likes of the lively port town of Pointe-à-Pitre, the colourful streets and bustling markets of Fort de France, and Kralendijk, Bonaire’s capital with calm beaches and rich marine life. The cheapest of Ambassador’s 2026 Caribbean cruises from £1,519 per person using the BANKHOL5 code, this voyage has eight ports of call in total to swap the depths of British winter for tropical island-hopping.

Book a Caribbean cruise holiday

From £71 a night

Ambassador

See the deals

Ambassador is offering 5% off its 2026 Caribbean voyages to customers who book by midnight on August 31 using the discount code BANKHOL5.

Rounding off Ambassador’s Caribbean cruise offers is the Christmas & New Year Caribbean Celebration, giving holidaymakers the chance to ditch the chaos of Christmas at home for a festive season with a difference. Priced from £2,469 per person with the discount and beginning a 14-night voyage on December 20, this trip will see passengers spend Christmas Day on warm sands and welcome the New Year with music, dancing and celebration at sea, exploring Grenada, Curaçao, Tobago, St Lucia and St Kitts.

Ambassador writes of its autumn/winter Caribbean cruise offering: “It’s a time of year when the Caribbean truly shines, with warm breezes, long daylight hours and a slower rhythm that invites you to breathe deeply. Whether you’re wandering colourful markets or unwinding on deck, each day brings something new.”

Ambassador isn’t the only cruise line offering Caribbean getaways as the UK weather begins to trend cooler and wetter. Fred. Olsen still has spots left for its Caribbean Christmas Island-Hopping holiday, a 31-night winter sun trip with Christmas Day at sea and New Year’s Eve in Antigua, priced from £5,799 per person with a special offer of £150 on board credit to spend.

Or for holidaymakers seeking a more budget-friendly option, TUI’s Marella has also slashed prices on some of its Caribbean cruise offers. One of the earliest deals sailing at the start of November is the Passage To Paradise trip travelling from Malaga to visit Antigua, Dominica and Barbados, now priced from £1,209 per person with a £776 discount.

Back at Ambassador, the price of each cruise includes return flights and transfers between the airport and ship, as well as full board dining while on board. Passengers will also have plenty to keep them entertained in between stops, including the use of the ship’s gym, swimming pool and hot tubs as well as a range of daily shows and activities from fitness classes, quizzes and crafting to plays, cabaret, music and dance.

Ambassador has earned an average rating of 3.9 out of five stars on Trustpilot. One passenger wrote in their review: “Fabulous Caribbean Cruise. Good food, excellent staff, great entertainment and lectures and a fantastic itinerary meant this was a fabulous holiday.”

Another fed back: “Our 45-day adventure on board Ambassador’s MV Ambition exceeded all our expectations! Sailing from Tilbury to the Caribbean via the Azores, calling at many beautiful islands. Escaping the winter weather and enjoying the beautiful Caribbean while being pampered and entertained.

“Our daily routine was very enjoyable, lectures, daily choir practice sessions leading to two shows towards the end of the cruise! Plenty of socialising, exercising on deck in the sunshine or relaxing in the spa, working out in the gymnasium with fellow athletes and trainers.”

They added: “MV Ambition is a comfortable ship with pleasant bars and restaurants, friendly and attentive staff that worked hard to make sure we had all that we required. The entertainment team were excellent, such great shows, musicals and fabulous performances!”

Not everyone gave their experience five stars, however, with one person commenting: “We were on a 46-day cruise to Cuba and the Caribbean and found the staff to be excellent, the cabins comfortable and facilities ok. I have marked the experience down due to the fact that despite saying that they cater for vegetarians we were disappointed with the food on offer.”

Families should be aware of some important rules before they travel

Heathrow has issued a summer travel update telling families they can now benefit from a major change to Britain’s airport border controls.

The airport said: “Get ready for easier arrivals for families. Children aged 8 and 9 will now be able to use the eGates. They will need to have an eligible passport and be travelling with an adult”. The change could prove a welcome boost for parents returning to Britain from their summer holidays – potentially cutting the time they spend queuing at passport control.

Children aged eight and nine can use UK eGates, bringing them into line with older children who are already eligible to use the automated border gates.

But there is an important catch. The youngsters must have an eligible passport, be travelling with an adult and, under the Government’s rules, be at least 120cm (3ft 11in) tall.

The change came into force on July 8, just as the summer holiday travel season was getting into full swing. And the Government estimates that up to 1.5 million more children could become eligible to use eGates over the next year.

For parents facing the prospect of tired youngsters after a long flight, the prospect of avoiding a lengthy passport-control queue could be particularly welcome. Heathrow has urged passengers travelling with younger children to check airport signage or speak to staff if they are unsure which lane they should use.

What parents need to know

The expanded eGate access applies to eight and nine-year-olds who meet the requirements.

They must:

• Be aged eight or nine
• Be at least 120cm tall
• Have an eligible passport
• Be travelling with an adult

The Government says the change covers more than 290 eGates across the UK and at so-called juxtaposed ports, where British border checks are carried out in Europe. Millions of passengers already use eGates each year.

The Government says using one typically takes only a few minutes – and increasing the number of people who can use them should also help reduce queues for passengers who still need to go through staffed passport control.

Major change for families

The move was announced by the Home Office in May as part of a wider programme to transform the UK’s border system. Migration and Citizenship Minister Mike Tapp said: “Travel with young children can be stressful for parents.”

He said expanding eGate access would allow more families to have a “swifter and smoother journey home” while keeping Britain’s borders secure.

Border Force Director General Phil Douglas said eGates were an “essential part” of keeping the border secure.

He said the expansion would deliver safe and smooth journeys while freeing officers to concentrate on intercepting people who pose a threat to the UK.

Karen Dee, chief executive of AirportsUK, welcomed the change, saying it would give more families the opportunity to use the technology and could reduce waiting times.

Part of wider border overhaul

The change comes alongside the Government’s wider push to modernise Britain’s borders. The Electronic Travel Authorisation scheme has also been introduced for eligible travellers, with almost 25 million ETAs issued, according to Government figures.

The longer-term ambition is for a more “contactless” border, with facial comparison technology being used to verify travellers’ identities.

Holidaymakers may be entitled to claim compensation when an airline loses, damages or delays their luggage

Holidaymakers facing the misery of lost, damaged or delayed luggage could be entitled to compensation from their airline – but they need to act quickly.

Passengers arriving at their destination only to discover their suitcase has failed to make the journey with them have legal rights that can help them recover some of the costs. Citizens Advice says travellers have the right to claim compensation from an airline when checked-in luggage is delayed, lost or damaged. But there are important deadlines – and passengers should report a problem as soon as possible.

The consumer advice charity warns that the rules for cabin baggage are different. You can generally only claim for a problem with hand luggage where the airline was at fault.

Don’t leave it too late

Citizens Advice says holidaymakers should report missing or damaged luggage to the airline straight away. At the airport, this will normally involve completing a Property Irregularity Report (PIR) at the baggage claims area.

Passengers should keep a copy of the PIR, or obtain written confirmation from the airline if they report the problem later. Making a report does not necessarily mean a compensation claim has been made. Passengers will normally still need to submit a separate claim unless the airline agrees to pay certain expenses upfront.

There are strict deadlines

One of the biggest traps is assuming there is plenty of time to make a claim.

Citizens Advice says the usual deadlines are:

• Damaged luggage: claim within seven days of receiving it.
• Missing or damaged contents: claim within seven days of receiving the luggage.
• Delayed or missing luggage: claim within 21 days of the flight.
• Luggage not returned within 21 days: it is officially treated as lost, meaning passengers should make a claim as soon as possible.

A suitcase that eventually turns up after several days does not necessarily mean a passenger has lost their right to compensation. Citizens Advice says it is still possible to claim for delayed luggage if it is returned within the 21-day period.

What can you claim for?

The compensation available from an airline is generally limited. For delayed luggage, this can include the cost of essential items needed while waiting for the suitcase, such as toiletries and underwear.

Passengers may also be able to claim some of the cost of repairing or replacing luggage and its contents if they are lost or damaged. If a traveller has to collect delayed luggage themselves, says they may also be able to recover reasonable transport costs.

But holidaymakers should not assume they will receive the full replacement value of everything inside a suitcase. Airlines will often ask for receipts and proof of purchase, while Citizens Advice warns that they will not normally pay ‘new for old’ replacement costs.

There can also be restrictions around valuable, fragile or perishable items packed in checked luggage. Total compensation is generally limited to around £1,000 and is often considerably less.

Passengers cannot normally claim for stress or inconvenience caused by the luggage problem, or for knock-on problems such as missing a connection.

Keep every scrap of evidence

Anyone making a claim should keep hold of their paperwork.

Citizens Advice says airlines will usually expect passengers to provide documents such as:

• their boarding pass;
• luggage tags showing the identification number;
• the PIR or written confirmation that the problem was reported;
• receipts for emergency purchases made because of delayed luggage;
• proof of purchase for lost or damaged belongings;
• photographs showing damage; and
• estimates for the cost of repairs where relevant.

Travellers should keep copies of their claim and the original documents.

How to make the claim

Passengers should check with their airline to find out how it wants compensation claims submitted. If there is no specific claim form, Citizens Advice says travellers may need to write to the airline’s customer service department.

The charity advises making clear that the claim is being made under the Montreal Convention. The claim should include details of the flight, including the date, flight number, departure point and destination.

Travellers should explain what happened, set out the amount being claimed and provide a detailed list of the luggage or contents that were lost or damaged. Any essential items bought because of the delay should also be listed, with copies of supporting receipts and other evidence.

What if several airlines were involved?

Passengers travelling on connecting flights operated by different airlines may be able to claim against any of them. However, Citizens Advice says most airlines expect the claim to be made against the last airline boarded.

An airline cannot simply refuse to deal with a claim because another carrier was involved. If a passenger gets nowhere they can seek advice from the Civil Aviation Authority (CAA).

What if the airline rejects your claim?

Holidaymakers who are unhappy with an airline’s response can take the matter further. Citizens Advice recommends first trying to resolve the complaint through the appropriate process.

The CAA can take up complaints against airlines or airports in certain circumstances, although its role depends on whether the airline or airport belongs to an approved alternative dispute resolution scheme. As a last resort, passengers can consider taking a case to the small claims court.

A luggage claim can generally be taken to court within two years of the flight, although court action can be costly and time-consuming.

Check your insurance too

There is another option that could prove easier and more generous. Citizens Advice says that if luggage is covered by travel insurance or a home contents policy, making an insurance claim may be preferable.

This is because insurance can potentially provide more money and may be easier to claim through than pursuing the airline.

Passengers needing further help can contact the Citizens Advice consumer helpline on 0808 223 1133 or use its online service.

The charity also advises checking the specific rules applying to the airline, as individual procedures and deadlines can vary. More information here.