An overwhelming majority of consumers believe that the government needs to protect them from travel agents not adequately explaining the details of a transport policy.
According to research carried out by the British Insurance Brokers' Association (Biba), some 45 per cent of travel agents fail to advise on policy excess.
Over half (56 per cent) of travel agents or tour operators also fail to advise on how to make a complaint.
Biba's research also showed that insurance brokers were more likely to offer better advice than unregulated firms such as travel agents and tour operators.
While over two thirds of travel agents gave advice about policy limits, just 46 per cent of travel agents or tour operators did so.
Biba's chief executive Eric Galbraith said: "It is essential that consumers are fully protected.
"Travel insurance is vital when we jet off on our holidays and it is the role of the provider to ensure that consumers are both fully covered and understand the limits of their policies," he added.To learn more about travel insurance, click here.
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