Never go for the insurance deal offered by your tour operator.

Look on insurance comparison sites such as Insurancewide.com or Moneysupermarket.com for the cheapest one-off deals. 

Do check the details of the cover carefully before you buy and don’t pay extra for unnecessary cover – you only need around £1,500 for baggage, £2million for medical expenses and £1million for personal liability.

If you go away more than once a year then it is much cheaper to get an annual, multi-trip policy.

Always keep an eye out for special offers and discounts. Right now, online customers can save themselves five per cent at Marks & Spencer.