Far too many of us buy no travel insurance at all, particularly when we head abroad for weekend breaks. Why we believe that we are less likely to lose our luggage in Barcelona than in Bermuda is a mystery.

Travelling without cover is not a good idea. At best, you might find yourself having to shell out for a new bikini having lost your luggage, at worst, you could face thousands of pounds worth of medical bills if you manage to fall down the stairs of your hotel.

If you travel more than three times a year, you might want to consider an annual multi-trip policy. Not only do they offer better value, they're more convenient and you won't find yourself having to buy a new travel policy every time you take a weekend break on the Continent.