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Britons should always purchase travel insurance when heading off on holiday, it has been advised.
According to a spokesman for the Association of British Insurers, having cover should not be seen as an "add-on or a luxury" and rather should be a "central integrated part of planning any trip".
The advice may be of interest to Britons that are planning to stay in holiday cottages in France over the coming months.
Failing to have financial protection when abroad can have dire consequences, the spokesman said, as it means you would not be covered for the cost of medical treatment if you fall ill.
He added that it also covers travellers against loss of theft of their possessions, meaning it is important even if you are not leaving the UK to go on holiday.
The advice comes after research from Lloyds TSB revealed that one in ten people have been on holiday in the past without taking out travel insurance.