Martin Lewis' 'simple rule' as MSE issues urgent warning to holidaymakers

Martin Lewis' MoneySavingExpert (MSE) is alerting holidaymakers to a simple rule ahead of the summer travel season. In this week's , MSE urges travellers to take one crucial step 'ASAB'-As Soon As Booked-before even setting foot in the airport." In their weekly newletter, they explain "the most important thing to do first is to sort out travel insurance." They say: "When it comes to travel cover, Martin's rule is simple: get it...ASAB." This stands for "As Soon As you Book." They warn: "If you've booked and not done it yet, DO IT NOW.

"Half of what you pay for is protection in case illness or other issues before you travel mean you can't go - though insurance must already be in place for that. However, around one in five of those who have booked DON'T have insurance yet," according to a Martin Lewis social media poll from 42,000 votes.

One reader described it as a "dangerous risk" to go without it. They replied to the poll to say: "My parents made the mistake of waiting until closer to the date and mum got diagnosed with cancer and had no choice but to cancel as she needed life-saving surgery. They only got 10% back. An expensive mistake."

In more travel insurance advice on the site, Tony Forchione, MSE's senior insurance analyst, states that good travel insurance should cover you for:

• Cancellation because you can't travel
• Covid
• Personal liability
• Sports, excursions and other activities
• Cutting your trip short (curtailment)
• Baggage and personal belongings
• Medical expenses while abroad

Travellers with pre-existing medical conditions are being urged to inform their insurers ahead of their trips, with experts warning that failing to do so could lead to rejected claims. While declaring a condition might feel "daunting," it's essential you do so, even if you think your illness won't cause problems during your trip. Experts stress that having a medical history shouldn't deter people from seeking out affordable travel insurance as the purpose of cover is to safeguard against the unexpected, such as illness, injury, or theft while abroad.