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When you are planning a blissful couple of weeks on a far off location, it is tempting to forget all about the potential pitfalls of being on holiday away from your local and national support structures, such as the health service and legal aid. Now none of this would be a problem if you had travel insurance, but yet many people every year opt not to take out a policy before going on holiday with disastrous consequences. Here are just a few of the things that could potentially go wrong:

Having your belongings stolen could really spoil a holiday, especially if you cannot afford to replace them. If, however, you have a travel insurance policy that covers you in the event of the loss or theft of your belongings, then the worst that could happen is that you have to do without something for a day or two.

You probably are not intending to get ill or become injured while you are abroad, but unfortunately this does happen from time to time. For instance, you might catch a tropical bug, get food poisoning, or injure yourself while larking about on the beach.

The NHS only provides free care to UK citizens while they are in the country, so while you are abroad you will need some kind of health insurance policy. Most travel insurance policies cover the cost of emergency treatment and an airlift back to the UK, but will not pay for long term private treatment abroad.

Taking your car abroad or hiring a car when you get there can give you a lot more freedom on holiday, but if something were to go wrong with the vehicle or your hire arrangements and leave you without a mode of transport, your holiday plans could be in tatters. Thankfully, some travel insurance policies cover the cost of emergency car hire in just such a situation, which could get you out of a real fix.

Postponing a trip for whatever reason can be an expensive business, as not only do you stand to lose your deposit, but you could also end up having to pay the extra costs of rescheduling your trip.

If you had bought a travel insurance policy with postponement cover beforehand, however, then this would not be nearly so much of a problem, as the insurance company would then be obliged to cover these costs.

So as we can see, it is vital that you get travel insurance whenever you are planning a trip abroad. However, organising travel insurance can be something of a hassle, especially if you have to do it more than once a year. There is a way around this, however. By purchasing an annual travel insurance plan, rather than buying insurance for each individual trip, you could save yourself a whole lot of hassle and money.

1stoptravelinsurance.co.uk single trip insurance provides cheap travel insurance cover for holidays of up to 365 days to any destination.