Hotel not quite finished yet? A swimming pool with no water in it? A "sea view" that was actually a building site? If you've got a complaint against a travel agent or tour operator a new type of insurance could help you make a claim for breach of contract.

Insurance firm InsureandGo has launched "holiday dispute cover" which is designed to cover legal costs if you take legal action against a holiday service providers because your holiday didn't come up to scratch.

So is it any use?

Apparently more than 11 million adults have suffered from breaches of contract on holiday totalling an estimated £8.68 billion, yet only 5% of them took legal action to claim compensation

Perry Wilson, founder of InsureandGo, says: "Holidaymakers are potentially losing out on a lot of money by not pursuing their holiday complaints. At least 12% of breaches of contract that occur are estimated to be worth over £1,000, yet a lot of us either don't complain at all, or let ourselves be fobbed off by the offending company because we are scared of how much it will cost to pursue our complaint in the courts.

"Our research shows that of those people that do take legal action, 95% received compensation and the average amount won was over £1,500, so it's often well worth pursuing a claim. Hopefully our new service will give people the peace of mind to pursue holiday companies that don't deliver what they promise."

The most common breach of contract suffered was a misleading description of location or accommodation, experienced by one in ten (10%) adults. Around 8% of adults have suffered from non-functioning or faulty facilities, 2% have suffered accidents or injuries because of unsafe equipment or facilities, and 2% have been faced with a swimming pool with no water in it. Around 3% of adults have been provided with the wrong make or model of hire car on holiday.

The research reveals that while most people suffering a perceived breach of contract will make some form of complaint whilst on holiday (54%), only one in 20 take legal action (5%) and one in five (20%) don't make any form of complaint at all. Of those who have made some form of complaint, 61% thought the company's response was poor, compared to only 18% who thought the response was good.