Invalidating your car insurance

Typically, you should look for a policy with £3,000 cancellation cover - or enough to cover the total cost of your holiday.Car insurance prices have rocketed in recent years, making it more important than ever to ensure you get the best price possible.

Equally, while the illness of a “close relative” should include a parent or sibling, you will usually find that grandparents, aunts or cousins are not included.

Similarly, if a relative has an ongoing condition, this is likely to invalidate any claim.

Even with a fully comprehensive policy, what is included as standard varies so make sure you are comparing like-with-like.

Common exclusions to watch out for include windscreen damage, a courtesy car, breakdown cover and legal cover.

This is because you are purchasing the policy with a criminal or fraudulent intent, and as a result, wouldn't be covered.

Equally, you wouldn't be able to take out insurance after being made redundant in order to cancel the holiday.You might expect Third Party insurance to be the cheapest option given it offers a lower level of protection but this isn't necessarily the case.Premiums for Third Party cover have increased sharply in recent years because it is popular with young drivers and they are more likely to be involved in an accident and make a claim than more experienced drivers.In each case, the insurer would seek relevant records for proof which would also show when something happened.There are also certain situations where insurers will not pay out.Travel insurance is often a last-minute purchase, especially as buying it later can make it cheaper.