Annual Travel Insurance

If you are a frequent traveller, then an annual travel insurance policy will most likely be the cheapest option. An annual policy will cover you for a full twelve months for an unlimited number of trips. Most insurers will provide the option of either European of worldwide cover, the former being the lowest cost. Most policies will provide cover for any one trip for up to 90 days. Ensure that the policy you choose has sufficient cover for the full duration of your holiday. If you require winter sports cover, this is normally available at an additonal cost, although many insurers include this in the policy free of charge.

Insurer	Policy Benefits	Premium*
Directline	120 days of cover, with up to 42 days for each individual trip. 5% discount online.	£48.80	More info
Lloyds TSB	Up to 45 days per trip. 9% discount online.	£51.75	More info
American Express	Up to 31 days per trip, subject to a maximum of 183 travel days during the policy year. Winter sports and dangerous activities options.	£52.00	More info
Columbus Direct	Unlimited trips for a year with either European or Worldwide cover.	£38.25	More info
Go Travel Insurance	Maximum 31 days per trip unlimited trips in the year.	£31.43	More info
Post Office	Unlimited number of trips in the UK and abroad, each up to a maximum of 45 days long. Automatically includes up to 21 days ski / winter sports cover in a year.	£62.00	More info

*Quotes are provided as an indication of typical premiums charged by insurers for annual European travel insurance cover. Actual cost will vary depending on individual circumstances including age, health, gender, duration and destination of travel.