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Individual
This is cover for you, personally. It is not compulsory to buy travel insurance from your tour operator – if they claim you have to buy their insurance in order to qualify for discounted holidays, you should report them to your local trading standards office.
Couple
If you take out travel insurance as a couple, make sure you are covered if you travel independently of each other.
Business
If you go away on business trips on a regular basis, make sure you are covered – many policies exclude business travel.
Family
If you have children, family cover may be better value – but watch out for the number of children allowed on the policy. Also check if your children are covered if they travel independently from you.
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