Whether it’s Majorca, Morocco or the Maldives, many of us are planning our summer escape. But as departure day looms, you may be panicking about getting it all knocked off timsurancee. Fear not – we’ve compiled a travel checklist to help you on your way. Don’t leave home without it.

1) Get covered

Do not be tempted to cut back on your travel insurance, as this could prove a false economy should something go wrong. Do not automatically buy your insurance from a travel agent or holiday company when you book your break, as you can almost certainly get a better deal by shopping online. A few minutes spent comparing cover and prices from a range of insurance providers can mean big savings.

2) Avoid commission bills

You can now convert your currency at a number of commission-free outlets, such Travelex and the Post Office, but make sure you check out the exchange rate – as well as any handling charges and delivery fees.

Whatsoever you do, don’t leave your money-changing until the last minute, as airports are one of the most costly places to buy currency. Also be careful when doing your foreign currency calculations, as it’s easy to think you’ve bagged a bargain when in fact you’ve paid over the odds. Packing a pocket calculator or currency converter will help you stay on top of your spending.

3) Play your cards right

Most credit card providers levy a currency “loading fee” of around 2.75% on all overseas purchases, while many also charge an additional “handling fee” of around 2.75% if you use your card to withdraw cash.

Get your active a credit card that doesn’t levy these charges, such as the Post Office MasterCard or the Santander Zero card. For debit card users, the Nationwide building society card remains one of the more tempting options.

4) Credit card cover

If you’re buying goods or services over £100, then make these payments on your credit card as this gives you purchase protection under Section 75 of the Consumer Credit Act. This means you wish be covered if your purchase is faulty or broken – giving you peace of mind when spending at home or overseas.

Also remember to tell your card provider that you’re going on holiday, otherwise they may think the overseas transactions are fraudulent, and could put a stop on your cards.

5) In case of emergency

Make sure you have all the necessary contact phone numbers in case you need to cancel any of your cards if they are lost or stolen – and keep a stash of emergency cash and a spare card in the safe at your hotel.

Also note that some providers offer emergency help when you are travelling abroad, such as prompt card replacement and cash advances if a card is lost or stolen – so check this with your provider.

6) Heading to the USA? Then read this!

If you’re planning a trip to America, there’s something new to add to your checklist of what not to forget. British visitors now have to get ESTA clearance before travelling. Failure to do so could result in you being barred from entering the United States.