What’s your policy when it comes to having a perfect holiday?

Travel insurance is vital, but prices and terms and conditions can vary hugely. We guide you through the key things to look out forAn opportunistic bag thief or over-eager tuk-tuk driver who ends up crashing is enough to ruin even the most perfect holiday. Which is why travel insurance has become vital. However, not all policies are made equal: cheaper deals can often be a false economy and there are huge variances in price and detail.So what should holidaymakers look out for? Related: Take a br