There is no such thing as a ?free lunch’ so why do we believe this when it comes to travel insurance? Many banks and credit cards now offer free travel insurance for choosing a top branded current account for which you pay a monthly fee, typically between £10 to £15, and in return you get your free travel insurance thrown in.
The main concern is that the insurance is sometimes not as user friendly or indeed as comprehensive as one may believe and it is easy to catch a cold. No pun intended, but problems arise with not declaring medical conditions at renewal, which often happens automatically, and without knowing it many people are not adequately covered because between the start of their policy and the renewal they may have developed a medical condition which is under investigation.