00:00If you've booked or are booking a holiday, a hugely important warning for you, make sure you get your
00:05travel insurance ASAB. As soon as you've booked, and if you've already booked, that means just do
00:11it now, just get it as quickly as possible. Because half the point of travel insurance is covering you
00:17for things that may happen before you go that stop you going. And if you leave it until last minute
00:22to get your travel insurance and something happens, well you won't be covered. So what does having it
00:28in place ASAB mean? Well if it's a single trip policy it's really easy. You, let's say you're
00:32going away the 1st of August to the 8th of August, you get a single trip policy now from the 1st of
00:37August to the 8th of August, you give those cover dates, you pay for it now, you've got your policy
00:41in place. If it's an annual policy that covers all your trips away in the year, you want to always
00:46have a live annual policy. So if you don't have an annual policy, you get one now but you need to
00:51have the start date being today. You don't leave it until the 1st of August and try and book it in
00:56advance. If you already have a policy and that is in place until the end of your holiday, you're fine.
01:03But if your current annual policy stops before your holiday date, let's say it stops in April and
01:09you're going on holiday in August, you will want to get a new policy that starts the day after your
01:14old policy ends. So you have continuous cover going all the way through. Now you can generally only get
01:20annual policies up to 90 days in advance. So if something were to happen now for a holiday in
01:25August for cover that ends in April, most, not all, annual travel policies will cover you even though
01:31the holiday is after their end date, if the incident happens now that stops you getting it. But as soon
01:36as you can, you get cover that butts up against it. Lots more questions and answers on this type of
01:42travel insurance issue in the podcast as well as loads of life lessons worth listening to.
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