Many tour and cruise operators require you to be insured and offer a policy, for which they get a commission, but most will let you buy that required insurance elsewhere, soshoparound.
At present, lenders offer cheap rates to tempt new customers, so borrowers who shoparound get better deals than those who stick with their existing mortgages.
"Individuals buy holiday money infrequently and so may not shoparound much or may just stick with the same supplier, " said Mike O'Connor, chief executive of Consumer Focus.