Once you have started your holiday you can't take out travel insurance normally, so it is best to make arrangements early on.
A great way of saving money is to take an annual travel insurance policy and you can do the same with car hire excess insurance.
Quite often an annual car hire excess insurance policy will be a lot cheaper than paying for daily policies and of course far cheaper than having to buy one through one of those car hire companies that tries to make you buy one when you book your car hire or when you collect the vehicle.
These days people tend to take several breaks over the year and even a weekend away in Poland or Portugal should be covered so annual travel insurance does make sense and of course many people will soon be off on a skiing holiday as well.
Reasons why you should take out travel insurance:
At the jml Insurance website there are several insurance companies advertising their products including:
Worldwideinsure, Questor Insurance, Quotezone,
Annualtravelinsurance.com, Greatcover.com, Multitrip.com, Backpackertravelinsurance.com and Protectmyholiday.com - this is a different type of travel insurance - "ProtectMyHoliday.com to protect your holiday - Financial Failure Travel Insurance from as little as £5 per person"