When it comes round to the time when I have to contemplate getting or renewing my travel insurance cover (I usually get an annual policy), it’s always good to look around for value.

With the ash cloud crisis affecting many travellers this year already, it is worth checking with each insurance provider on where they stand on this issue - especially as the problem expected to return at some point in the future.

In choosing a deal I usually look to the buyer’s guide on the Money Saving Expert website. This is because they offer impartial advice on single and joint policies as well as annual trips, like I normally buy.

Be sure to see for yourself and take into account the cheap insurance which is available and balance this against more comprehensive cover to ensure you get the best deal for yourself when going on holiday.