The reason I am scared to a point is i was caught out with XL, booked it direct and have lost out as i used my debit card,which was not a Visa debit card, had a look on globespan and yes it was a good price but another site mentioned taking the extra insurance out to cover me and also give myself peace of mind, I was only trying to shut the door to make sure this horse didnt get out of the stable with out me on it back, and to my horror it said they did not cover the airline, I have never used them before for this sort of cover so i dont know how they decide who and who not to cover, I just thought in light of all the mixed reviews it might have been useful info, sorry if you think i have wasted your time