You may have paid for your holiday but there are still money matters to consider. This is your guide to spending insurance and taxes.

  • Holiday money

    The trick here is not to put all your eggs in one basket. Take a small amount of local currency with you, a larger sum in travellers' cheques and a debit card for ATM withdrawals.

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  • Insurance

    Like tickets and a passport, travel insurance is a basic holiday ingredient. Always shop around for a good value policy that covers all your needs, or consider annual cover if you frequently holiday abroad.

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  • Tax and Duty Free

    Since the 1999 ban on duty-free shopping in the European Union, Value Added Tax (VAT) and excise duty have been included in the price of certain goods. But airports, ferry companies, ports and the Channel Tunnel operators absorb one or other of these costs - so travellers do not have to pay them.

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