Daily Mirror

Holiday of a Lifetime

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Affordable travel insurance meant I could visit my family in New Zealand. Josephine Roberts has just returned from a trip to New Zealand to see her family.

She is delighted she managed to get there a few months ago she was struggling to find affordable travel insurance.

Josephine, 79, explains: “My daughter had booked me a flight and just before going I had to have a pacemaker fitted for an irregular heartbeat. I thought that might mean I would have to pay a bit more for travel insurance. But didn’t expect it to be as much as £850.”

Josephine from East Sussex says it came up at £350 when she first started searching online. “Then when I mentioned I had a stopover in Singapore on the way out and Malaysia on the return, it shot up to £850. I was shocked and then sad as I really couldn’t afford that much.”

As the date of Josephine’s travel got nearer she thought she would have no option but to sell her car and buy an older model from the change when she got back.

“Luckily, I didn’t have to do that. I was desperate and went back online to see if I could find any cheaper cover. I came across PayingTooM­uch. com and they came to my rescue.

“I was literally crying with joy when they quoted me just £180 for my holiday. When I mentioned the stop overs, they told me it didn’t make any difference to the price as I would be there for less than 48 hours.

“I’m delighted I found Paying Too Much as I really wanted to visit the family and see my grandchild­ren. I had a fantastic time and am so pleased I got there as it may be the last time I’ll get out to New Zealand.”

Don’t end up paying way over the odds for travel insurance for your next holiday. Follow in Josephine’s footsteps and see if you can find the right cover at an affordable price at mirror.co. uk/travelinsu­rance.

Thousands of Mirror readers have managed to jet off on holidays with affordable cover, despite their age and pre-existing medical conditions.

Call 01243 217 461 or visit mirror.co.uk/ travelinsu­rance to find out more.

After years of saving your hardearned cash into a pension you need to ensure that your money works hard for you in retirement.

Here’s how you can get more from your pension savings and get the best possible retirement income:

1 Recent figures from the Financial Conduct Authority show half of people cashing in pension savings and turning them into a lifetime income (an annuity) didn’t compare quotes across the market and simply accepted the first one the were offered.

2 Don’t simply accept the offer from the pension firm you have saved up with. Industry figures show you can boost incomes by 10% by comparing the market and finding a better deal elsewhere.

3 Huge numbers of people are entitled to enhanced annuities – these pay out a bigger pension income because of lifestyle factors such as smoking or health conditions. That’s because firms believe you may have a shorter life expectancy if you smoke or suffer from various health conditions.

Always be totally honest about your health when turning savings into your pension income – it’s the one time when health issues work in your favour. It could boost your income by up to 40%.

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