Going on your holiday is an exciting time, whether it's a winter sports trip or a sunny fortnight on the beach in the summer.

And no matter how many clothes you have in your wardrobe, a holiday is always a good excuse to splash out on a few new items. Whether it's a new bikini, a pair of sunglasses or even new ski boots, shopping around for a bargain can be a lot of fun.

Unfortunately, making sure you have insurance before you travel is a far less thrilling activity and one which it is tempting to skip over. However, going away without insurance means risking a bill that could run to tens of thousands of pounds if the worst happens.

No-one likes to think that something could go wrong on their holiday. Making sure you have good-quality insurance before you go means that if you are one of the unlucky few, help will be at hand to not only help cover the covers but also to guide you through the process.

And what many people do not realise is that travel insurance does not need to break the bank. If you compare the best travel insurance options available, it is easy to find a deal that not only offers top-of-the-range cover but comes at a reasonable price too.

Trawling through insurance providers may not be the most entertaining way to spend time, but with the internet the process is much easier than ever before. If you think you might want to travel more than once each year, it might be worth checking whether an annual policy will save you money, as well as saving you the hassle of having to sort out insurance every time you travel.

Whether you opt to stick to single-trip insurance or you upgrade to an annual travel insurance policy, there are insurance options for everyone – and it's never been easier to get a good deal.