I have been using the post office travel insurance for a long time now. I personally think it''s the best travel insurance around. About 10 years ago I was diagnosed with a illness and couldn''t find a decent price policy that would insure me for my holiday other than the post office. My grandad fell poorly on holiday a few years ago and post office insurance was brilliant they covered everything. I personally think these are the best money can buy.
Sitting at home one day watching the rain batter of the window, I had decided enough was enough, I was fed up with the terrible weather I live in Scotland, we dont always have the best of the sunshine up North. Last time I was on holiday with my mum, eight years ago, I had never booked a holiday by myself before, never the less I managed to bag a bargain holiday for me, my boyfriend, and my two daughters. I was rather please with myself but had that feeling that I was forgetting something. I was round at my boyfriends Aunties house one day when she asked where were we going, I told her then she said, is that including insurance? Knew there was something that I had forgotten, to be honest I didn't have a clue where go, who was the best price, or even who sold holiday insurance. Later that evening, I remembered my mum used to always get heres at a great price from the post office, our post office is a rather long walk so I decided to chance my luck online. Luckily for me, there was a tab saying travel, then on the right in red writing was a link saying single trip insurance, so I clicked on that, filled in my information.
They ask you to fill in the policy type, which maybe single trip, annual trip, explorer or long trip. Then it asks your destenation, not the place you stay in, but the plae that you are heading too. After that it asks you what cover that you are looking for, single - travelling alone, couple - travelling with your boyfriend or one other person, or a family - two adults and two children. Then it asks you to fill in when you are departing and when you are coming back, and last but not least will ask you the number of adults that are going (people over 18) and number on non-dependants (people under the age of 18) Simple as that, once you have completed the information needed, click the button below saying "Get a quote". I have shared with you, my information of this years holiday details so you can see it clearly.
Policy type:Single Trip
Destination:Europe (excluding Turkey & Egypt)
2 under 18 dependent(s)
A table will apear with the packages that are available to you, you will see four different options for you to choose from: basic, classic, premium, and annual Europe classic. Last year I opted for the classic account as it covers you for everything, and I will be doing the same again this year. Again I have shared with you, what the classic account covers you for, so you get a rough idea.
Personal money and documents..................£3500
Loss of passport.........................................£3250
Scheduled airline failure.............................£31,500
Financial failure cover
This package this year is coming in at \'a354.64, which is not bad at all, thats rougly \'a313.66 per person. If your happy to go ahead with it, just click undear the box that your wanting and a new page will pop up asking you to fill in the information of the passangers that will be travelling. It will ask you "Do you need additional cover for golf, winter sports, excess waiver, extended baggage or hazardous sports?" you tick either a yes or no box. Then you just need to confilm that all the information that you have give is ture by clicking that all travellers are able to agree the health declaration and I do not need to declare any medical conditions. How ever if there is any need to delcaire any medical conditions, click the box and call the medical screening on 0845 602 5275. Once that section is complete, click the continue box which will take you to the next stage.
The next step is simple, read through all the information to make sure it is correct and that there are no mistakes if there is you can go back and change them, if there are no mistakes hit the continue button.
After that they will ask you to sign in if you already have an account with them but if not, not to worry, it only takes a few moments. They will ask you a few deatils like e-mail this is to send you a copy of your paper work that you will need to take with you on holiday. They will also ask you informatuon like your address and things like that.
The next stage is the payment. I paid my insurance with my credit card, enter you acount number and sort code, not to worry about an extra charge to your account because you are paying with your credit card, becuase luckily for us there is no change woo hoo.
Once the payment has been accepted, you will see a confirmation page. I made two copies (just print it out) I put one in my bag with my holiday tickets and the other left at home by the computer incase I lost the one on holiday and needed the information when I came back. Lucily for me I didn't need to use my insurance but if you do, please remember they always send you a confirmation e-mail so it will also be saved there also. If for what ever reason you did or do need to claim please call the post office on 0845 602 5279 ( This will cost as it is an 0845 telephone number) to ask for the claim forms and explain to them your situation.
I cant recommend the post office enough to use for you holiday insturance. I rate this service 5 out of 5. I liked the fact that I didn't need to fill in forms and send away, or stand in a massive que at the post office. In all it took me less that 10 minutes to fill in the simple information that they require, even the payment was straight forward. I liked how they gave you a referance number incase anything was to go wrong, which I took note of and put it in the diary. It is an instant straight forward service with no waiting around, and just incase you misplace your confirmation, the post office automatically send one for safe keeping. And just think, if you were to go into the post office, counting how long it takes you to get there, and the time waiting to be served to get your travel insurance, how much of that time is it you have waitsted? Mines would be 1 hour 45 mins but online only took me less than 10 minutes. Wow enough time go to go the sun beds to start working on my tan (smiles) I hope that my review was of some use to you, thank you ever so much for takin the time to read. Where ever you maybe going on holiday, I hope you have a fantastic time.
Travel Insurance and Travel Money
Post Office travel insurance is brilliant and you can arrange this online or in the post office. The price is one of the best around and the coverage is extensive. We all need insurance whilst travelling as who knows if one should have an accident, miss a flight or lose money or luggage. I wanted also to review travel money but I could not find a separate travel money section so I have written a few paragraphs below:-
I am also hoping to help some of those people who travel aboard on holiday. Businessmen and women are more than likely to be aware of the pros and cons of exchanging their sterling.
Firstly if you have a computer go to gadgets and install currency converter for a quick check on how the currency is doing against your pound. I travel to Turkey regularly and find it useful to have the exchange rate on my laptop and when it is at a good exchange I order some Turkish Lira.
The best thing to do all around is to change your money whilst in the destination country - you definitely get a better exchange rate. If you like to be organised and do it before, as mentioned above, keep an eye out for an increase. You then need to see who is offering a good exchange. I have found that the Post office is extremely competitive and you can order it on line and pay with a debit card (co charges). You can then arrange for either delivery to your home (registered post) or you can pick it up at your local post office.
Just one point, if you use the post office the exchange rate is higher online, so order there.
Don't forget to have the Abbey Zero credit card for all other purchases abroad.
I hope this helps someone.
Happy holidays ;-)
The last time I went on holiday, I went to the post office to change some currency, and while there, they were asking if I had travel insurance, and I said that it was included in my holiday, however when I got home, under closer inspection of documents, it turned out it wasnt. So I took up the offer to get some at the post office. I was rather worried as I was travelling in three weeks and I didnt know how long the process would take, but thankfully, it was all sorted in 10 days, and all I had to do was fill in some forms and send them away. They were also cheaper than I thought around only £40 for each of us.
What I liked about this travel insurance was that it was both cheap and very quick to come through. I didnt even bother looking at other insrance companies as I knew that the post office was the real deal. This travel insuranc covered everything from flight delays, cancellations, and all of our medicial expenses should we ever need them. It lasted for the entire length of our trip, unlike others which last a full year if you travel frequently.
The post office travel insurance really is the real deal.
To many people the Post office is just somewhere that handles our mail or for some perhaps cashes their benefits but to others it is of course much more especially these days where the Post office now offers phone and broadband packages.
I do not use them for my broadband or the likes but I did earlier this year use them for travel insurance. I needed to be covered almost straight away and as my hubby and I are getting on a bit we are very particular about what our travel insurance offers.
The Post office travel insurance covered us for ...
Medical emergency and expenses up to £10.000.000 (outside the UK)
Personal accident up to £30.000
Personal Belongings up to £1.500
Personal money (including foreign currency) up to £500.00 (£250.00 cash)
Cancellation and curtailment up to £5.000
Legal advice and expenses up to £25.000 .... And a fair bit more besides.
The best thing about the Post office insurance was that there was no waiting as soon as I had signed I was covered and as we were leaving within a few days of looking for cover this was excellent.
The woman I dealt with was extremely helpful and very pleasant as the staff at my local Post office always are and this is one service from the Post office that comes highly recommended by me!
I cannot comment personally on how claiming with them would be because thankfully I did not need to but I can tell you that a very close friend of mine had to claim medical expenses after a fall and she was paid out without a problem and very quickly to the tune of £7.000 and I am sure this would always be the case with a company like the Post office!
I took the post office travel insurance out for my partner and i on our last holiday. I have to say it was very quick and simple. You can do at your local post office, on the phone or via their website, which is what i did.
Theres the usual questions, and within a few minutes it was all sorted. I received all the documents in the post very quickly, and was quite happy with the price. We were quoted £25 each, for the slightly higher than basic package.
In comparison to some other travel insurance companies, the post office, offered much better compensation in the event of a claim, and the price was much lower.
I did notice there was an excess which i guess is the only thing, which was £50 but hopefully you should never need to claim.
Im quite a sports fanatic, and i liked that the post office covered a wide variety of sports, that didnt bump the price up too much.
Overall ive been very satisfyed with the service ive received from the post office. Thought ive never had to claim anything, there were clear details about how to do this in the literature.
I have spent the day trying to find adequate travel insurance for me and my husband, as we are flying late next week. This is something that we have always had in place but our policy had lapsed so we are no longer covered for our holiday next week.
Lucky we had checked this last night and in fact noticed that we were no longer covered, so my job today was to find travel insurance that will cover us for our holiday. I trawled the internet and spend hours trying to get immediate cover for us both, but in the end I decided to go to the post office this way it would all be sorted and in place straight away.
We have opted to get a basic cover through the post office, for the bargain price of 40.00 for the two of us. This cover will be valid until the 11th October 2008 so this is just short of four weeks cover for 20.00 per person.
WHAT WE ARE COVERED FOR
Cancellation and curtailment up to 5.000
Medical emergency and expenses up to 10.000.000 (outside the UK)
(Limited to 10.000 for UK holidays)
Personal accident up to 30.000
Personal Belongings up to 1.500 (delayed baggage up to 250.00)
Loss of passport up to 250.00
Personal money (including foreign currency) up to 500.00 (250.00 cash)
Missed Departure up to 1.000
Departure delays up to 300.00
in bound journey and 5.000 out bound journey.
Personal Liability up to 2.000.000
Hijack up to 1.000 (50.00 a day)
Catastrophe cover up to 500.00
Homecare up to 250.00
Legal advice and expenses up to 25.000
This is the basic package that costs 20.00 per person, the only snag is there is an excess of 50.00 per person if we ever needed to claim.
If we had any travelling children then they would also be covered free of charge, any child is insured under any full paying parent or guardian. Unfortunately we are not taking any children this time but if we were than this would have been an even better deal.
If in the event we have to claim the post office promise to settle your claim within five days of you filing it, so this is a bigger bonus and save you waiting weeks to get you money and expenses back.
The post office can also customise your insurance so if you only needed two of three days cover they could do it for you, this would be ideal for weekend breaks away, although most wouldn't get insurance for the weekend but this is handy to know.
For as little as 7.00 the post office can tailor make you your travel insurance, but if you want more cover then you will need to pay that little bit more.
HOW TO GET YOUR COVER
This was really what attracted me to the insurance, I got it there and then over the counter at the post office. If you didn't have time to go to the post office you can also get cover by going online of over the phone.
Here are the three ways to get your cover.
1) Simply pop into your local post office branch to get immediate cover.
2) Call the post office Free on 0800 169 9999.
3) Get cover online at www.postoffice.co.uk
All of these methods are exceptionally quick and get you immediate cover.
HOW TO CLAIM
I have not had to claim, but I am assured if I do need to claim it will be quick and easy to do, all I need to do is contact the post office on 0845 602 5279 ( This will cost as it is an 0845 telephone number) to ask for the claim forms.
If there are any documents I have to support my claim I would also have to enclose these to ensure I get my payout within the five day period.
OTHER POST OFFICE TRAVEL BENIFITS
The post office can also supply you with,
CURRENCY EXCHANGE at the best possible rate, you may not be able to find a better exchange rate but it is worth trying.
PASSPORTS, this includes applications, renewals and name changing.
EHIC CARD European health insurance card, which intitles you to free and reduced medical care in the majority of Europe. I think this cost 11.00 per person for this card for a 5 year period. I would strongly advise you don't take this card from the post office, as I have been on the www.moneysavingexpert.com website and managed to get this free. Just go to the web site and under the travel section you will see a link that gives you this card for free.
I feel that we have got a really good deal with this travel insurance, but this is before I have actually travelled so I will keep you posted on how it went.
I am amazed at how quick the post office were at getting me cover at such short notice, so I would highly recommend that you give them a go if you have never tried it.
All in all I am very pleased with the service I have had so far.
Just a quick review as a word of warning against the Post Office Travel Money card.
Before I went backpacking in South East Asia I thought it would be a good idea to set up a travel money card. The post office travel money card is basically like a debit card, but the you preload the card with the amount you want to take away with you. There are three options for currency on the card, dollars, euros or sterling. Loading the card is free for dollars and euros but a small charge is placed on loading it with sterling. There are still charges for withdrawing money in foreign countries but not if the currency you are withdrawing is the same as on the card.
Anyway I though this was a good idea, its not tied to bank accounts so if it was stolen fraud and identity theft would be protected against. Also in the event of the card being stolen the post office would refund the balance of the card. The card can be loaded with currency by phone internet or within a post office branch.
All well and good. so i opened a card and loaded it with £100 worth of US dollars. I filled out the relevant forms and gave a photocopy of my passport as ID. I thought that was that, and the card would be opened. I rang the confirmation number given the next day to activate the card.
About a week later I received a letter stating my identity could not be confirmed and I would have to provide copies of three different documents to prove this. The list of documents was extensive I could provide : a passport, driving licence, council tax notifications, gas/electricity bills, bank statements, benefit letters. However being a student I had a big problem with providing these. I gave a copy of my passport but I dont have a driving licence. Nor do I pay council tax or receive benefits. My flatmate deals with all our bills so I couldn't provide these as my name was not on them. My bank statements were registered to my home address so I could not use them either. After several tense phone calls to the help line and despite the very helpful assistant I spoke to, the managers would not budge on the identity check. I changed my bank addresses to my flat address and sent them confirmation of this, however they said it did not look official enough so would not work. I then sent them copies of my student loan documents, again this was not official enough. After spending a day and a great deal of money faxing over different documents , nothing would work. I had to cancel the card.
The next problem was that there was £100 on the card which the post office could not give back to me. After much discussion on the phone I managed to get them to keep the card activated for 4 weeks so I could spend the money from it while I was away.
Despite the problems I have to say the person on the help line was extremely helpful and calm while I was panicking.
The card is a good idea if you can get past the identity check, so not a good idea for anyone without a fixed address.
Post Office cover seems comprehensive and first sight, but read the small print. The exclusions are significant when it comes to personal property and valuables. So, the insurance premium is on the high side, and with the exclusions I would say not such good value for money. As always, be clear on what you are buying!
you can save a few quid on your travel insurance by visiting ebuyandsave.co.uk. ebuyandsave is a UK operated cashback site and pays its members for visiting its members. Nearly 75% of the commission that ebuyandsave receives is given back to the member. Signup is free. There are loads of other insurance merchants besides Post Office to choose from. Promotional codes are available too. Definitely worth checking out the site. Great site for the bargain hunters.
I got my Post Office travel insurance on the day of departure of my trip. I just popped to the post office before setting off. Once I paid, I was covered. Simple as that.
However, one cannot rate an insurance company without making a claim, which I did. The claim process is fairly straight forward. I called up the helpline number, and a few days later, the claim form arrived.
After I had sent off the claim form with all requested documents, I got my cheque of £550 within 2 weeks. There were no further letters or phone calls requesting anything else.
I would recommend anyone requiring travel insurance to consider the Post Office. Yes there are cheaper insurance policies out there, but from my experience, none had been this easy to claim from.
Post Office Travel Insurance is well worth looking into. I recently paid for a holiday to Cyprus and was quoted £30 for insurance for a week. There used to be no choice, you had to pay the insurance premium requested by the holiday booking company, but now you can choose. I looked a few different policies before I settled on the Post Office one. 9 days insurance for Cyprus costs £17 for individual cover. (£30.60 for a couple and £42.50 for a family.) So, what level of cover does this give you? +++++++++++++++++++++++++++++++++++++++++++++ Cancellation: up to £5,000 Curtailment: 5,000 Emergency medical repatriation: 10,000,000 Hospital inconvenience benefit: £15 a day up to £800 Personal possessions: up to £1,500 Loss of passport: up to £250 Personal money including foreign currency 72 hours before departure: £500/£200 cash Accident: £50,000 Missed departure: £1,000 (up to) Departure delay: £300 maximum Personal liability: £5,000,000 Hijack: up to £1000 Mugging: £50 Catastrophe cover: £500 Homecare: £250 Legal advice/expenses : £25,000 Airline failure: up to £1,500 There is an excess of £50 when claiming for cancellation, medical treatment, curtailment, possessions, money and departure delay. Excess is £100 for families and couple insurance. I think this offers extremely good value compared with the other policies that I looked at. You can insure for single trips like I did, or buy an annual policy if you travel a lot. Use this for business or leisure. Insurance is also available for travel inside UK (different rates) and worldwide (different rates). There is a ski pack available too which also covers you for: Dry slope ski Curling Skidooing Reindeer sleighing Huskie walking An anual multi trip policy includ
es 21 days free ski/winter sports cover. How do you get this insurance? ++++++++++++++++++++++++++++++ Buy it at a post office, over the phone or by post. At the post office you just fill in a form and you will get your policy immediately (most main post offices), other smaller branches will post it to you within 7 days. (Keep your receipt until you get it through.) Over the phone you can pay by credit or debit card. (Phone: 0800 169 9999 call is free.) If you want to buy online or need more information go to: www.postoffice.co.uk The full range of travel sevices including foreign exchange is explained here. If you want to buy by post fill in the application form and send it with a cheque or postal order payable to 'Aon Ltd' to the address shown on the form. Remember that you aren't covered by insurance until your aplication is processed and the policy is issued. Verdict: +++++++++ Great value for money with good levels of cover. The wide range of different policies should suit most needs. The post office promises to pay claims within 5 days and offers a money back guarantee so that if you find something that offers a better deal you can get a refund. I would certainly recommend Post Office Travel Insurance to anybody going abroad on business, or for a holiday .
Let me start by apologising to Loulou6... Sorry but they have done it again! "What?', I hear the rest of you cry, at least I thought I did, maybe it's just the voices in my head again! Well, the Post Office / Royal mail (I really don't understand where the division is) have REALLY annoyed me! Secondly I'd like to pit out that opinion isn't strictly about the Post Office's travel Insurance, but more about their Travel Services in general. Sorry Dooyoo, I couldn't find anywhere to put it! Right, are we sitting comfortably? Then I'll begin... It started off looking quite promising, I must admit. You see I grabbed a last minute holiday to Ibiza to go on Sunday, then as a fortunate stroke of fate (or so I thought), the new Post Office advert arrived on the TV screen. With loud claims of how they charge no-commission on currency, and how you can get it straight away, I was a little excited (but some of that was attributed the holiday it has to be said). I headed straight for what I thought was their website www.royalmail.com, found customer services phone number, and called them. (ring ring) Mrroyalmailoperative: Good Morning, Royal mail (or words to that effect) Missbrowneyedgirl: Hi, I was wondering if I could order some travellers cheques and currency to collect today. Mrroyalmailoperative: Ah, you need Post Office Counters. I'll put you through. At this point I should have probably asked him what the difference was but I was so shocked that he had just put me through, as opposed to giving me another premium rate number to call, I thought I had better keep quiet. (ring ring) MspostofficeoperativefromNewcastle: Good Morning, Post Office Counters (or words to that effect) Missbrowneyedgirl: Hi, I was wondering if I could order some travellers cheques and currency to collect today. MspostofficeoperativefromNewcastle: Well, you don't have to order them you kno
w. Certain branches do them straight away for you. Where would you like to collect them? Missbrowneyedgirl: Oh! Well Rotherham would be handy. MspostofficeoperativefromNewcastle: OK. I'll call them for you and check they have what you need in. So I told MspostofficeoperativefromNecastle what I wanted, and she put me on hold, whilst I told my workmates how deliciously helpful she was! MspostofficeoperativefromNewcastle: Hello! They have them ready for you to collect today. You just need to take your passport with you. Missbrowneyedgirl: Oh! I haven't got it with me. MspostofficeoperativefromNewcastle: No problem. I'll call them back and tell them you'll come in tomorrow. is that OK? Missbrowneyedgirl: Great, can I pay on cheque? MspostofficeoperativefromNewcastle: Only up to your guarantee limit, but you can pay on any credit or debit card. Missbrowneyedgirl: Great! I'll use switch then. Thank you! MspostofficeoperativefromNewcastle: Have a great holiday! (Bless) Wow! I was astounded! My bank had already told me they wouldn't be able to get my travellers cheques in time and the humble old Post Office could do it straight away! Unfortunately, the next day was a very different story. It started well, the sun was shining and I decided to walk to Rotherham in my lunch hour. Ordinarily I would have driven but it was a nice day, and besides I wasn't going to be long... How wrong could I be? Firstly I had to find Rotherham Post Office, which wasn't too hard with the help of Mrblueeyedworkandflatmate, who also kindly pointed out that I didn't have to queue in the ever-growing lunchtime human traffic, but I could go straight to the Bureau de Change counter at the back. And there came the first problem. there was no assistant. I tried looking around helplessly for a while (always a good tactic when you're a girl, particularly if you need someone to chan
ge your tyre for you or something) and then I spotted a sign bearing the legend 'Ring bell for assistance'. I promptly did, and again, and again and again over a period of about 10 minutes until the assistant popped her head out from the back. I was going to name and shame but instead let's just call her Toyah as it rhymes with 'annoy her' which I am sure were her intentions towards me. 'With you in a moment', she called. 10 further minutes later, and more than halfway through my lunch hour she arrived behind the counter. Toyah: How can I help you? Missbrowneyedgirl: I ordered some travellers cheques and currency from your Customer Service Line yesterday. At this point Toyah looked very confused and even more so when I told her my name and explained that MspostofficeoperativefromNewcastle had called for me. Eventually Toyah decided that the best plan would be to ignore the previous 5 minutes of our conversation and start from scratch by asking me what I would like. I gave her my order and she fiddled around in her drawers (the ones behind the counter as opposed to the ones under her skirt) for a while then pulled out some Pesetas. She carefully, and painstakingly slowly, counted them into a neat pile then checked I still wanted the travellers cheques I had asked for. I confirmed and immediately sent Toyah rustling through her drawers again. 'You need to fill out this form', she told me as she pushed an invoice-type slip through the gap under the glass. The form was a little complicated so after reading it for a while I asked Toyah exactly what I was filling in. 'Just you name and address at the bottom', cam the reply. I passed the form back and Toyah asked to see my passport. I reluctantly handed it over and watched her puzzled, then suspicious expression as she compared Missbrowneyedgirl today to Missbrowneyedgirl at 16 complete with early 90s poodle perm includ
ing fringe. Praise the lord that the passport runs out next year! 'And how will you be paying?', Toyah eventually enquired. 'Switch I replied as I handed my card over. 'Oh', came the reply, 'I don't think you can pay on this card.' By this time a small queue had formed and the kind lady behind me pointed Toyah's attention to the sign on the wall. the sing, of course, told of how you can pay by Visa, Mastercard, SWITCH (does that say SWITCH, why yes!), Solo, Visa electron, cheque etc. Toyah's expression betrayed her embarrassment until she managed to pull the trump card out. 'Yes but this says £100 on the limit', she proclaimed triumphantly. 'That's the cheque guarantee limit', I sighed. 'It doesn't apply to switch as the money comes directly out of your account. I spoke to Customer Services yesterday and they said it would be fine to pay on that card'. By this point, which was dangerously close to the end of my lunch hour incidentally, I was starting to think I was some kind of bank robber/ professional fraudster trying to have the post office over. 'I'll just go and check' said Toyah, ad disappeared into the back room again. Some (not very short) time later she reappeared with another lady, who I could only assume to be her manager. the second lady confirmed that the card was fine and disappeared again. Toyah went back to her drawers for some frantic rustling, then produced a pile of travellers cheques. Finally it seemed like I was getting somewhere! She counted them out, asked me to sign them (which is a chore but necessary) and looked as though she was finally going to end the ordeal and then she dropped the next bombshell. 'Right, I'll just have to get someone to put this card through because I don't know how to do it', and off she went again. Aaaaarrrrggggghhhhh! I can see why they have those glass divisions between t
he staff and the customers because if it wasn't there, I would have had to pull her lugs, and I'm not a violent person! In summary, if I were you I just wouldn't bother with this service at all. As I said Customer Services on the phone were fantastic but at the front line it's incompetence all the way. I have since discovered that you can get your travellers cheques over the counter from a lot of travel agents so I know where I will be heading next year, and where I certainly wont even be considering! To save the 1.5% commission (which incidentally only applies to currency or non-sterling travellers cheques) it just really isn't worth the hassle. And yes, I was VERY late back from lunch! Grrrr!
I travel abroad three ot four times a year sometimes for up to a month at a time. I would also book my travel insurance at the same time with the travel agent. I suupose you might call me stupid but I never used to ask the cost of the insurance. I would hand over my credit card and the whole ammount would be debited from my account. That is before I came to my senses and asked one day two years ago while booking my two weeks in Benidorm. I was quoted £38 for the two weeks. I then asked if I could get a quote from somewhere else, I was told that I could't book a holiday with them without travel insurance and that they would not conferm my booking without travel insurance. I ask if it was obligatory for me to take their insurance, they said no but I could tell that they were not happy by the look on their faces. (I have found out since that they get a commission for selling there own insurance), hence the long face. I had heard about the post office travel insurance so thought i'd pop along and find out the charges. They did several diffent ones depending on where you were traveling to and for how long. The Europe 7/9 days was £15....9/14 was £20. The Europe annual was £60.......This was the price for adults, the childrens were a redused price. I didn't go into the world wide prices as I usually only travel within Europe. But I'm sure they will compere favourably with the tour operaters charges. I opted for the annual insurance and now have to suffer the long faces every time I book a holiday at the travel agents when I show them my yearly travel insurance. But I now just walk away with a smile on my face thinking about that extra spending money in my pocket that I have saved on travel insurance. Now I tell everyone to go to the post office travel window