If you're planning a holiday, there's one important thing to do first.

The Money Saving Expert team and Martin Lewis say get travel insurance as soon as you book your holiday. Without it, you may lose money if you can't travel.

Martin Lewis said travel insurance is important in case something happens before you go.

Martin's rule is to get travel insurance ASAB - as soon as you book.

Book travel insurance ASAB.

The financial expert says many people have already booked holidays and should get insurance now.

Martin gets questions from people who can't go on holiday and can't get their money back because they didn't have insurance.

Martin says get travel insurance as soon as you book, not the day before you go.

A viewer contacted the programme about a difficult situation with a holiday booking.

The viewer booked a holiday but was medically advised not to fly and hadn't taken out travel insurance.

Martin says don't be the person who asks for help because they didn't get insurance.

If you don't have insurance, you can't get a refund if you can't travel.

Travel insurance is for when you have a problem, not when the holiday company has a problem.

Travel insurance can be invalidated if you travel against government advice.

The government advises against non-essential travel to some places.

For travel insurance advice, visit the government website and read the policy carefully.

Check government travel advice and register for alerts before you go.