Why we need insurance

The simple answer is that things can easily go wrong on holiday. Bad food can make us ill, being out of our comfort zones can make us vulnerable, new activities can end in disaster. And that’s even without thinking what will happen to our luggage once it’s disappeared down the conveyor belt at check-in. Amex says the top three problems triggering claims on its policies are for medical bills, holiday cancellations and lost luggage. If you have to pay your own way out of any of these troubles you might not be able to afford another holiday for some time. With the right insurance you’ll be able to get most of the bill paid for you.