Credit card protect "cannot replace travel insurance"

Credit card protection should be not be seen as a replacement for travel insurance, one expert has warned this week.

According to the UK trade association for payments, APACS holidaymakers that are concerned about making sure they have travel insurance should seek advice from their insurance or credit card company.

Mark Bowerman, a spokesperson for APACS said: "Try and make sure you know who you are dealing with; make sure to the best of your knowledge that it is a reputable company.

"If the transaction is between £100 and £30,000 then it is beneficial to use a credit card because you have that extra protection that you do not have with a debit card."

APACS has said that travellers may be confused by a landmark ruling made by the House of Lords last October.

The ruling confirmed that that, under section 75 of the Consumer Credit Act 1974, UK consumers would continue to be protected when purchasing goods overseas on their credit cards.

Research carried out by Sainsbury's in September 2007 revealed that for their summer holiday last year nearly one in five (19 per cent) of holidaymakers did not buy travel insurance.

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