Since the weather has become warmer, we are all planning our summertime getaways, reminding each other to take heed to the cost effective nature of travel insurance. Travel insurance is the one of the smarter choices that you can make when it comes to activity holidays and gap year trips, according to STA Travel.

A spokesperson for the group said that insurance was sometimes viewed as unnecessary cost; however, she added that for backpackers it was without a doubt the most important purchase they could make. The cost of replacing luggage, belongings or dishing out the extra quid for medical expenses, outweighs the cost of a travel insurance package, and could save you a lot of money this summer and during all your travels.

”You should ensure the travel insurance you take out covers all the countries you plan to travel to and any activities you plan to participate in,” she added. STA Travel handles over six million passengers annually and has around 400 branches worldwide.

A recent report by market research company Defaqto found that one in seven holidaymakers still travel without insurance, despite the fact that premiums are becoming more affordable.