With Christmas just around the corner, you are probably preoccupied with presents, preparations and last minute travel plans.
If you are travelling, there is one thing you shouldn't forget...
travel insurance.
Christmas is the peak travel season and for good reason - the children are on holidays, organisations close and business virtually stops.
With so little going on in our corporate and everyday lives, there really isn't a better time to travel.
But they don't call it the silly season for nothing.
There are hoards of people are in the air and on our roads - in tow are the kids, other family members, expensive gifts, decorations, clothing worthy of celebrations and little delights to make Christmas all that more sweeter.
We've all heard the 'Christmas from hell' stories where flights get cancelled, gifts get stolen, luggage goes astray, accidents happen.
You could try and stuff as many things into your carry-on as possible, wrap the kids in cotton, double your doses of multi-vitamins, but that doesn't protect you against accidents.
The smart option is to get travel insurance.
So much more than just peace of mind, travel insurance is the best return on your investment should any mishaps occur.
Having a medical emergency in a holiday destination can be a frightening experience as can losing your luggage and all those expensive well-thought-out gifts.
But with one call to a dedicated team of travel insurance specialist, you can rest assured you're in safe hands.
Not only will they be at the ready to provide you with help and advice, they are also able to process your claim and do all the dirty work for you - leaving you to get back to your holiday.
It is no secret that Christmas is one of the most expensive times of year.
On top of your usual expenses, you need to buy gifts and fund those festive celebrations so cheap travel insurance is a must.
It is important to find a deal that fits your budget but that covers you for all the potential risks.
Trust me, you'll thank your lucky stars that you had the inclination to sensibly take out cover should anything happen.
The last thing you want to be doing on your holiday is filling out the paperwork and shelling out more dollars on unplanned emergencies.
Whether you're jumping on a train to travel interstate or preparing for a long-haul flight to an international destination, travel insurance is a small price to pay for peace of mind.
With the right cover you can ensure that you and your family are protected from anything that might potentially ruin your holiday.