Every week a Guardian Money reader submits a question, and it’s up to you to help him or her out – a selection of the best answers will appear in next Saturday’s paper.
This week’s question:
Ryanair keeps emailing me about its annual travel insurance for £35 per person. Normally I go on European weekend breaks without insurance, relying on my Ehic card. Do I need cover, and if not Ryanair can readers recommend policies worth buying?