Travel money

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.

The trend is seeing people certain Brits take extended breaks from work to travel

Certain Brits planning to take a year off work have been warned they could face a £10,000 pension trap if they use their retirement savings to fund a so-called ‘golden gap year’.

The trend is seeing people in their 50s, 60s, and beyond take extended breaks from work to travel, volunteer or simply enjoy more freedom after decades of employment and family commitments. But experts are warning that a dream year in the sun could come with a hefty financial sting if pension rules are overlooked.

The warning comes as many people prepare to make the most of the final bank holiday of the summer – and potentially start thinking about how they want to spend their later years. PensionBee says taking time out later in life is becoming increasingly attractive, particularly after redundancy, burnout or when children have left home.

But unlike a traditional gap year taken at 18, taking a year out at 58 can have consequences for retirement income. One of the biggest issues is the Money Purchase Annual Allowance (MPAA).

Someone aged 55 or over may be able to access a defined contribution pension, but taking taxable income flexibly can trigger the MPAA. This can reduce the amount they can subsequently pay into a pension with tax advantages to £10,000 a year.

That could be particularly important for anyone planning to return to work after their year away and rebuild their retirement savings. The normal annual pension allowance is currently £60,000, although some higher earners and people who have already accessed pensions can face different limits.

Maike Currie, VP personal finance at PensionBee, said: “For years, the words ‘gap year’ conjured up images of backpacks, hostels and young people heading off to see the world before starting their careers. But increasingly, it’s older generations who are taking time out.”

She added: “After decades spent working, raising families, paying mortgages and saving for retirement, it’s understandable that more people want to enjoy some of that freedom while they’re fit and healthy enough to make the most of it.”

But there are several other financial checks people should make before booking flights.

State Pension

Taking unpaid leave can potentially result in gaps in a person’s National Insurance record. People normally need at least 10 qualifying years to receive any new State Pension, while those whose National Insurance record started after April 2016 generally need 35 qualifying years for the full new State Pension.

It is therefore worth checking your State Pension forecast before taking a year away from work. Some missing years can potentially be filled through National Insurance credits or voluntary contributions.

Workplace pension

A sabbatical or period of unpaid leave could also mean that both employee and employer pension contributions stop, depending on the terms of the workplace scheme. That means the true cost of a year away could be considerably greater than the salary sacrificed.

People should check with their employer before leaving work to establish exactly what will happen to their pension.

Keep saving if possible

Even people with little or no relevant UK earnings can generally receive tax relief on pension contributions of up to £3,600 gross a year, subject to eligibility. Under relief-at-source arrangements, this can mean paying £2,880 personally, with £720 added in basic-rate tax relief.

For someone taking a year away, maintaining even modest pension contributions could help limit the damage to their longer-term retirement plans.

Think twice before raiding your pension

Using pension savings to pay for the trip may appear an easy solution, but it can have consequences extending long after the holiday is over.

Taking taxable pension income flexibly can trigger the MPAA and leave someone with much less scope to build up their pension when they return to work.

Don’t blow the lot

Financial experts also warn against spending every penny on the adventure. Anyone taking a long break should retain an emergency fund and continue to budget for unavoidable costs such as rent or mortgage payments, insurance and household bills.

Money should also be set aside for the period after returning home, particularly if there is no job waiting.

Ms Currie said: “A golden gap year is really about buying yourself something incredibly valuable: time. But you don’t want the trip of a lifetime to leave a lasting hole in your retirement. Think of it as planning for two journeys at once. There’s the adventure you want to have now, and the much longer retirement still ahead of you.”

She urged people to check their State Pension, understand what will happen to workplace pension contributions and think carefully before accessing retirement savings.

The idea of taking a ‘golden gap year’ comes as Government research has found that 55% of people aged 40 to 75 who had not yet retired said they would definitely or probably consider a Midlife MOT.

A TUI cabin crew member is urging holidaymakers to ensure they take one extra step before heading to the airport

With the August Bank Holiday this weekend, thousands of Brits will be doing last-minute packing, checking passports and heading for the airport. However, TUI cabin crew are warning that one of the easiest holiday mistakes can happen before travellers even reach the airport.

Faye Whittaker, a TUI cabin crew member, is urging holidaymakers to photograph every room in their home before going away, after years of seeing how small oversights can quickly turn into holiday stress. She has also revealed four other checks that cabin crew do before every trip.

From food left in the fridge and missed deliveries piling up outside, to the dreaded airport panic of wondering whether the oven, straighteners or a window has been left on or open, Faye says it’s often the things left behind at home that cause the biggest headaches once a trip is underway. She said: “As cabin crew, I’m regularly away from home for days at a time and over the years I’ve learnt that some of the biggest travel mistakes happen before you have even left for the airport.”

She added: “Most people are so focused on their packing and travel arrangements that they forget about what’s happening back at home. From missed deliveries and food left sitting in the fridge to worries about whether a window was left open, small oversights can quickly become a source of stress once you’re away. These are the checks I always carry out before a trip, whether I’m travelling for work or heading away on holiday myself.”

Not taking photos before you leave

Faye says the quick photo trick takes less than a minute. The cabin crew member also says she sees it as a “non-negotiable” before any trip, helping travellers check their phones and put their minds at ease if they start second-guessing themselves.

“Once you have done your final walkaround, take a quick photo or video of each room before you leave,” she explained. “We’ve all had that last-minute panic of wondering whether we left the iron, straighteners or oven on. I’ve even been on my way to the airport before and found myself trying to picture whether I definitely switched everything off.

“After travelling so much for work, taking a quick video before I leave the house has become a non-negotiable for me. It takes less than a minute, but it means that if I suddenly start second-guessing myself, I can check my phone and put my mind at ease straight away.

“It can also be useful if you ever need to check something while you are away. While nobody likes to think about something going wrong, having recent photos or videos of your home and possessions may be helpful information to have available if you ever need to make an insurance claim or show what was inside your property.”

Forgetting to pause or rearrange deliveries

“It’s also worth checking whether you have any food deliveries, parcels or subscription boxes scheduled while you are away,” she said. “Meal kit services such as HelloFresh or Gousto, grocery deliveries and regular household subscriptions can easily slip your mind when you are focused on packing.

“Before you travel, search your emails for words like ‘delivery’, ‘subscription’, ‘grocery’ or ‘parcel’ so you can quickly spot anything due to arrive while you are away. Nobody wants fresh food sitting on the doorstep for a week, and visible parcels can also make it obvious that nobody is home.”

Leaving food and bins until the last minute

Faye says: “One of the biggest mistakes people make is focusing on what’s going into their suitcase and forgetting what’s being left behind at home. Milk, leftovers, fruit and food waste can quickly create unpleasant smells, particularly during the warmer summer months.

“Before leaving, check your fridge, throw away anything likely to expire and take the bins out so you don’t return to an unwelcome surprise. A simple trick is to set a reminder on your phone for the evening before you travel, called ‘fridge, bins and food waste’. It means you are not trying to remember everything while also dealing with last-minute packing.”

Not telling somebody you’re going away

“If you’re away for longer than a few days, it’s always worth letting a trusted neighbour, friend or family member know. Whether it’s moving a parcel, watering plants, putting a bin out or spotting an issue early, having somebody nearby who knows you’re away can provide real peace of mind,” Faye added.

“If you’re away for a week or longer, consider using timer switches or smart lighting so your home appears occupied in the evenings. It’s also worth asking someone you trust to move any post, parcels or bins that could make it obvious the property is ’empty’.”

Skipping the final five-minute walkaround

“One of the most important things I do before every trip is a final walkaround of the house,” she said. “Even when you’ve checked everything earlier in the day, it’s surprisingly easy to miss an open window, unlocked door or appliance left running when you’re rushing to leave for the airport.

“I always recommend doing it in the same order every time – for example, starting upstairs and working down, so you are not wandering from room to room and forgetting what you’ve already checked. Look at windows, doors, plugs, taps and appliances, and make sure keys are not left in locks, window locks or somewhere visible from outside.”

Money Saving Expert – MSE – is founded by Martin Lewis

Money Saving Expert (MSE) has urged people to visit Boots before boarding the plane. While talking about easyJet specifically – although it may work for any airline – MSE urge people to “avoid sky-high food prices” and “pack a mile-high picnic instead.” They explain on their easyJet tips blog: “Mid-air picnics are perfectly within the rules. It’s only liquids over 100ml that are banned for security reasons.”

Because of this, MSE, founded by Martin Lewis, writes: “When we checked, an Easyjet meal deal (sandwich, soft drink and snack) cost £9.75. Even at inflated airport prices, a Boots meal deal is around £5.” MSE’s blog was updated on July 27, 2026, easyJet’s prices are subject to change.

Finding that a meal deal at Boots or other supermarkets like Sainsbury’s, Tesco, or Morrisons could be cheaper than what you get on board the plane, it notes that “bringing your own food may mean you win on taste as well as price” – and it doesn’t have to be boring, either.

You can make it part of the holiday by tailoring it to your destination. Think chorizo and olives for Spain, cold pizza for Italy, sausages and sauerkraut for Germany. The list is endless.

Save your pennies by planning ahead, says MSE as part of its pre-holiday tips list. Picking up snacks in advance can work out far cheaper than paying airline prices, or even the cost of food and drink in the shops after security.

30 days

In further helpful advice, the MSE team have said that easyJet passengers can check in earlier than most. And it could help people secure a better seat.

It explains: “Unlike other airlines, Easyjet lets you check in and allocates you a seat 30 days before you fly, free. You’ll have to pay if you want a specific seat, but the earlier you check in, the more likely it is that you get allocated a better seat.

“If you don’t want to take the risk and would prefer to reserve a seat when you book, Easyjet charges “from 99p” for a basic seat on a short flight. We’ve seen it cost up to £39.99 to stretch out in the front row on a longer trip (for a list of costs, see Easyjet’s fees and charges).”

Whether you’re paying for a seat or using the free check-in 30 days before, passengers are urged not to leave it to the last minute. By then, many seats may already be taken, increasing the chances you’ll end up separated from your family, partner or friends.

MSE concludes: “The best bet is to check in online (and secure your seats) as early as possible.”

For a full list of easyJet tips and tricks, visit the MSE blog here.