Financial information provider Defaqto urges British travellers to carry out a “simple check” before going on summer holiday, warning that some people may already have travel or other insurance cover without realizing it. According to the guidance highlighted by multiple outlets, the check is intended to help holidaymakers confirm what risks are already covered by existing policies, such as home or other insurance arrangements, and whether additional travel insurance is necessary. Experts say that taking a moment to review current coverage could reduce the chance of paying for overlapping protection. The advice focuses on belongings during a trip: if a traveller’s possessions are lost, damaged, or stolen, the value of an appropriate level of cover could become clear at the time of a claim. Outlets also frame the message as potentially cost-saving, suggesting that a review of existing terms and inclusions may help avoid unnecessary purchase decisions. The reports do not specify which policy types always overlap, and they present the check as a general precaution rather than a guarantee of savings.