Holiday insurance and baggage add on

I the days before the internet it was either phone or call into to the travel agent. Their insurance was compulsory. That all changed with the consumer laws.result everything has gone sky high.I would go into the travel. and come out with a reasonable priced holiday.Bartering I believe they call it. like the high street chains selling goods they try to sell you insurance. I believe you get my drift.There is no such thing as a free lunch. So what used to come as standard are now charged as extras (These were charged anyway. if I see a deal and phone a company. I tell them give me the price I will pay using a credit card without insurance. I prefer to see a holiday £600. then take off what I Don’t need. It’s better then £350. But then £600.Comes Up.Who in the Real world can go on hols for two weeks without hold luggage? On the web Just have the Red Ticks And before you make your purchase ask are you sure you want these extras.