Recently, four of my good friends returned from a cycling holiday around the southern French coast. They went for two weeks, camping and staying in tiny little Bandamp;Bs on consecutive nights, drinking far too much French wine and getting rather horrific saddle rash. Now, let me be quite clear here, cycling holidays are not my idea of fun. Horribly tight clothes and tiny tiny shorts, sat in an awkwardly painful saddle all day and having to spend eight or so painful hours scooting around country lanes only to pass out at the campsite, wake up and do it all again.

Whilst this time of year most of us are thinking about our central heating bills and whether we need to invest in a few more pairs of woolly tights and thick jumpers, there will be a lucky few who can afford to take a sunny holiday. Those of you defying the credit crunch and making the most of low travel costs while they remain as they are should nevertheless play it safe.

After all, having seen what can happen to the finance markets when imaginary sums of money are not backed up by material goods or gold standards, you donandrsquo;t want a holiday on credit to suddenly leave you high, dry and with no financial supply. Thatandrsquo;s why itandrsquo;s best to sort your travel insurance out before any of the holiday fun begins. Whilst the idea of getting all that done before you pack your bags might just seem like another unseen cost, it wonandrsquo;t seem so costly if your bags themselves go missing in the airport terminalandhellip;

Not only does internet insurance cost less, you can also quickly and simply generate an online quote yourself by filling in the required information on each insurance companyandrsquo;s website. You simply need the destination, the length of your trip, whoandrsquo;s travelling and what you will be getting up to.

There are plenty of reasonable travel insurance deals to be found online these days. Rather than incur added costs of going through offices, using up far more paper and energy and putting you in the middle of pushy agents, try having a trip, take a look online.

Not only does internet insurance cost less, you can also quickly and simply generate an online quote yourself by filling in the required information on each insurance companyandrsquo;s website. You simply need the destination, the length of your trip, whoandrsquo;s travelling and what you will be getting up to.

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