PROMOTION Cover up this summer You may feel it's a waste of money, but insurance is essential for all holidaymakers. You never know when you might have an emergency, so be sure to get the right cover W hether you're off on the adventure of a lifetime, returning to your favourite holiday hotspot or planning a road trip around Europe, 'cover up' this summer to protect you and your family. Travel insurance is probably the least exciting thing about booking a holiday and that's likely to be why two-thirds of us leave buying it until the very last minute. It's the task we push to the bottom of our to-do list, knowing it's important but hoping someone else will sort it out... but they don't. When you do get around to searching for cover, questions arise such as 'will this policy actually pay out if my family is stranded?' and 'what happens if our luggage doesn't make it back home?' It can be a mineļ¬eld - and that's why talking to an insurance specialist can be a much more helpful way to go forward than just snapping up the best deal you spot online, according to UK travel policy broker Insurance Choice.