Steer clear of hol­i­day hell

Win­ter va­ca­tions – what you need to know JAMES WALKER

The Peterborough Evening Telegraph - - Reader Offer - WORDS

Jan­uary re­ally is the long­est month ever, isn’t it? It’s cold out­side, cash is tight, the bills are build­ing and the days are still far too short. Our daily trip to Re­solver Tow­ers is spent pass­ing un­happy look­ing jog­gers, while peo­ple com­mit­ted to Jan­uary res­o­lu­tions st are long­ingly at smok­ers, bars and fast food joints.

Well, cheer up, you’ve nearly made it to the end of the month! For many peo­ple, pay­day is around the cor­ner and af­ter a few weeks of en­forced aus­ter­ity, you might be plan­ning a blow out.

This time of year, is oneof the busiest for travel and hol­i­day book­ings. There’ s bar­gains to be had and planes to be boarded. Soif you’re plan­ning a spon­ta­neous win­ter get­away, or you’ve al­ready booked and you’re get­ting ready to travel, here’s some tips for win­ter hol­i­days so you don’t slip upon the slopes.

GET COV­ERED NOW!

A sur­pris­ingly large num­ber of peo­ple still bank on us­ing their Euro­pean Health In­surance Card (EHIC) when go­ing on hol­i­day. But it doesn’t cover ev­ery­thing – an­dif you get ill or in­jured, it could be very ex­pen­sive. Dif­fer­ent coun­tries have dif­fer­ent rules about what the card will cover so don’t as­sume it’ll be cost­free if you need to pop to a clinic or hospi­tal. Takeout travel in­surance be­fore you travel-and make sure the cover starts from to­day. That way if you slip and fall onatypi- cally glacial Jan­uary morn­ing, you’ll be cov­ered if you have to can­cel. There’s lots of dif­fer­ent types of travel in­surance but the ba­sic rules of shop­ping ap­ply here too: buy cheap, get cheap. Don’t save £5 on cover that could have given you much more pro­tec­tion when away.

PAUSE BE­FORE CLICK­ING

If you love a bar­gain then you might have been temp ted by an email from an air­line or an ad­vert for a travel com­par­i­son site, telling you that the Jan­uary hol­i­day sales are on. There are lots of bar­gains to be had– but it pays to be re­al­is­tic. A flight or ho­tel is only worth what you’re will­ing to pay for it. So20% off a £300 a night bou­tique ho­tel isn’t a great deal if you wouldn’t have looked twice if it cost £300nor­mally. Fac­tor in spend­ing mon­eyand the ex­change rate and have a think about can­ce­la­tion op­tions – just in case a bet­ter deal comes along closer to the time.

TAKE OUT WIN­TER SPORT IN­SURANCE

If you’re do­ing any­thing even slightly ad­ven­tur­ous while on hol­i­day, don’t for­get to take out the Win­ter/ sports cover. This might seem ob­vi­ous if you’re plan­ning on ski­ing off-piste but you’ll need it even onthe nurs­ery slopes. The same goes for what mights eem like rel­a­tively tame things, like go­ing for se­date ram­ble on a na­ture walk. A few years ago, we helped out a cou­ple who did just that, got lost, broke a leg or two and had to be res­cued by he­li­copter. They were billed for the he­li­copter res­cue. It’s only a lit­tle ex­tra cash to be cov­ered – not pay­ing the sup­ple­ment is a false econ­omy.

FLIGHT DE­LAYS

It’s foggy. It’s snow­ing. It’s sus­pi­ciously over­crowded in the airport ter­mi­nal. Uh-oh.

It’s ridicu­lously an­noy­ing If your flight is de­layed. Our top tip? Grit your teeth and be charm­ing. You’re more likely to get on the next avail­able flight if youmake sure the staff see you’re be­ing po­lite and cour­te­ous. If your flight is de­layed by more than three hours, then you are po­ten­tially en­ti­tled to com­pen­sa­tion de­pend­ing on the cir­cum­stances. This is based on how late af­ter the sched­uled ar­rival time your flight ar­rives. The rules vary quite a bit but don’t let that put you off. If you’ve waited for ages, put in a claim. n More on your rights with hol­i­days, flights and in­surance at www.re­solver.co.uk, @re­solver couk or go to face­book.com/re­solver­couk

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