Few of us can afford to be wasting money on stuff we don’t need. If you have enjoyed trouble-free holidays in the past, you may be tempted by the idea that you don’t need to buy travel insurance. Maybe you get to thinking that if you avoided this expenditure, you would have more money to spend on fun during your trip. The problem with this type of logic can land you into a lot of trouble if you act on it. Here are just some of the reasons travel insurance pays for itself.

Lack of Travel Insurance Could Ruin Your Holiday

One of the nice things about being away on holiday is that we can enjoy this sense of being untouchable. The relaxed atmosphere and foreign environment means we become willing to take risks we would be afraid to take at home. This means we are at a higher risk of having an accident. The fact we are in a strange environment also means we are more likely to become a victim of crime.

If something bad happens while you are on holiday, like your luggage is stolen, it could completely ruin the trip for you. Not only is it likely to cause practical problems, but you are also going to be bothered by the loss for the rest of the holiday. With proper travel insurance, your trip can be saved, and it shouldn’t be much more than an inconvenience.

You Only Need to Claim on Travel Insurance Once for it to be a Worthwhile Investment

Most of us can have multiple safe trips abroad without ever having to make a claim on our travel insurance. Afterwards, we may wonder if it had been a waste of money, but it really isn’t. The reality is you only have to claim on travel insurance once for it to be a worthwhile investment. It is also important to keep in mind that it doesn’t matter how many trouble-free trips you have had in the past, it doesn’t mean your next holiday is going to be trouble-free as well.

Travel Insurance Gives You Peace of Mind

Buying travel insurance is the sensible thing to do and taking this step is going to give you peace of mind. The whole point of getting away for most of us is to be able to relax, and this might be harder if we are worried about how we are going to cope if something goes wrong. Those who don’t buy travel insurance might feel like they are getting away with something, but all they are really doing is being reckless.

You May Not Be Able to Go on Certain Trips without Travel Insurance

There are some tours and activities that you may not be eligible to join unless you have travel insurance. You will also be taking a real risk if you do things like hiking without at least some coverage – keep in mind that you might not be entitled to any free healthcare in a foreign country.

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If you own a car, you know that basic repairs are a must to keep it running smoothly. Unfortunately, taking your car to the mechanic for every repair is costly. The good news is that you don’t have to take your car in for every repair job. The following repairs are ones that everyone is capable of doing.

1. Change a Flat Tire

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Whether you get a flat tire driving down the highway, or you find it when you walk out to the parking lot, it’s an inconvenient waste of your time. However, it’s also a repair that you can handle on your own. Before you get ready to change the tire, make sure you put on the emergency brake. Next, take off the hubcap and loosen the lug nuts. Then, jack the car up until the tire is high enough off the ground to easily remove it. Finish undoing the lug nuts so you can take the flat tire off, then put the spare tire on and tighten the lug nuts. At that point, you’re ready to lower the jack until the car is back on the ground.

2. Replace the Brake Pads

Some people worry about changing the brake pads on their car since it’s such an important part. However, this repair is actually simple. If you hear a squealing noise when you use the brakes, it’s time to replace the brake pads. First, jack the car up and then remove the tire. Next, unbolt the caliper so that the brake pads easily slide out. Once you get the old brake pads out, slide the new ones into place. Finally, compress the brake piston so it’s adjusted to the new pads. After that, simply put the caliper back in place, and put the tire back on.

3. Change the Battery

Although working with electricity is intimidating, it’s possible to change a battery without harm to yourself or your car. Obviously, the most important first step is to make sure your car is turned off before you start. Then, you have to remove the negative, or black, terminal first. Next, remove the positive, or red, terminal. After that, remove any plates or cords that are keeping your battery in place, and pull it out. Batteries are heavy and the extra lead can make them weigh as much as 24 pounds, so lift carefully. After that, you’re ready to put the new battery in. Hook up the positive terminal first and the negative terminal last. Finally, replace any cords to keep the battery in place.

4. Change the Oil

To keep your car running steady and prevent damage to your engine, you should change the oil every 3,000 to 7,000 miles. Luckily, it’s an uncomplicated job that anyone can do. Simply find the drain plug under the engine, and slide a container under it to catch the old oil. Unscrew the oil drain plug so that all the oil can drain out. Then, replace the plug and slowly pour in the new oil until the dipstick shows oil at the full line. Remember that oil is very harmful to the environment, so you can’t simply pour the old oil down the drain to get rid of it. Instead, you need to find a proper disposal area.

5. Replace the Air Filter

It’s not in your head that new cars, like the KBB cars for sale, get better gas mileage. This is because they have new and clean air filters that can get up to 10 percent better gas mileage than a car with a clogged air filter. You should change your air filter every 15,000 miles, so thankfully it only takes a few minutes to complete. The air filter is under the hood, and your car’s manual will tell you exactly where it’s located. Simply unfasten the clips holding the filter in place, slide out the old one, put a new one in its place, and refasten the clips.

These basic car repairs are simple enough that anyone can do them. Not only will you save money doing them yourself, you’ll also keep your car running smoother for longer.

Image via Flickr by ultrakickgirl

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