You’re focused on packing suitcases, checking the car and making sure your pets are cared for, so insurance is probably the last thing on your mind. Apart from checking up on your short-term cover, you need to make sure that your long-term insurance is up to date.
Financial adviser at Liberty, Phillip Kassel, says: "It's always best to touch base with your financial adviser before travelling to review long-term and short-term insurance cover and clarify any exclusions or technical jargon that you are unclear about. Long-term insurance is particularly important if you are travelling with your family by road.”
Here are five risks to check before you leave.
1. Disability and income protection
A once-off skiing holiday may not affect cover, but if you constantly take part in high-risk activities such as skydiving or rock-climbing, disclose these activities to your insurer. If you don't, your insurer could reject your claim on the basis of non-disclosure.