First of all, it is Ciao who seem to think Halifax Life provide this cover. It is actually underwritten by St Andrews Insurance Group which is part of the HBOS (Halifax Bank Of Scotland) Group. Apologies for me being too lazy to let Ciao know! But who cares about that? There are times in life when a rip off leaps out and grabs you! The insurance policies sold by travel agents and tour companies are so obviously poor value for bog standard protection, that shopping around for insurance is best done before booking the holiday! When Thomas Cook quoted me £169.95 to insure my clan on holiday for ...
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