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Annual Holiday Travel Insurance

We recommend you ask us to call you back to obtain your free no-obligation annual holiday travel insurance quote

As an insurance broker we have access to several annual holiday travel insurance schemes that are not available online. Since we give advice, we prefer to discuss your requirements and obtain the necessary information e.g. your plans, medical conditions, etc, so we can offer the most appropriate policy for you.

To request a call-back select one of the options in the 'Travel' menu above and fill in a (very brief) form.

Information below is based on a specific policy that is now no longer available.

Quotes for annual holiday travel insurance are available online.

Maximum days per trip for annual travel insurance

An annual travel insurance policy has a maximum days per trip, but usually allows as many trips as practical, some policies set a total time abroad as 182 days, ensuring the traveller resides in the UK for at least half a year.

The options available on our annual travel insurance are 31, 45, 61 and 93 days (in effect one month, one and a half, two or three months). The maximum length (available for travellers right up to 74) ensures suitability for many of the elderly who are frequent travellers.

Age limits for annual travel insurance

Our annual travel insurance policy is split into several age bands ensuring that each pays a proportionate premium commensurate with the risk. Typical rates for the under 50 are shown on this page, but the exact premiums depend on options selected e.g. high-risk activities, golf, business equipment and whether cancellation cover or baggage cover is essential.

Over 50 annual travel insurance (50 - 64)
Over 65 annual travel insurance (65 - 74)
Annual travel insurance for the over 75 (Max 31 days / trip, Max Age 85, different insurance companies)

Independent Travel

This annual travel insurance permits independent travel. Children and/ or parents are covered even if the whole party does not travel. This ensures suitability to cover school trips etc. (Family and couple rates are substantially less than two individuals. In effect children are covered free.)

Summary of Travel Insurance Contract Limits
Economy	Bronze	Silver	Gold

Winter Sports

The policy includes winter sports cover automatically. This is not a specialist winter-sports insurance policy. If undertaking an unusual winter sport activity not listed is a possibility please refer to us.

Annual Travel Insurance for the businessman

The annual travel insurance may be extended to include business equipment and other benefits.

Business Equipment: £1,000.00 - Single item limit: £500.00
Computer Equipment: £1,500.00
Business Samples: £500.00
Delayed Business Equipment: £200.00
Business Equipment Hire: £50.00 per day up to £500.00
Business Money: £1,000.00 - cash limit £500.00
Personal accident benefits doubled.

Typical Premiums

All premiums displayed include insurance premium tax (currently 20%) and are for travellers aged under 50 on policy inception. Older travellers can obtain cheap rates and compare our other travel insurance premiums. Other than the economy policy, cancellation (save 20%) and luggage (save 15%) cover can be deleted

Annual Travel Insurance Rates
Days	Region	Party	Economy	Bronze	Silver	Gold
31	Europe	Single	£21.70	£31.91	£37.54	£45.04
31	Europe	Couple	£32.55	£47.87	£56.32	£67.58
31	Europe	Family	£41.23	£60.63	£71.33	£85.59
31	Worldwide	Single	£31.00	£45.59	£53.63	£64.36
31	Worldwide	Couple	£46.50	£68.38	£80.45	£96.54
31	Worldwide	Family	£58.90	£86.62	£101.90	£122.28

45	Europe	Single	£29.30	£43.08	£50.69	£60.83
45	Europe	Couple	£43.95	£64.63	£76.03	£91.24
45	Europe	Family	£55.66	£81.86	£93.30	£115.56
45	Worldwide	Single	£41.85	£61.54	£72.40	£86.88
45	Worldwide	Couple	£62.78	£92.32	£108.61	£130.33
45	Worldwide	Family	£79.51	£116.93	£137.57	£165.08

61	Europe	Single	£35.81	£52.66	£61.95	£74.34
61	Europe	Couple	£53.71	£78.99	£92.93	£111.51
61	Europe	Family	£68.03	£100.04	£117.70	£141.24
61	Worldwide	Single	£51.14	£75.21	£88.48	£106.18
61	Worldwide	Couple	£76.73	£112.84	£132.75	£159.30
61	Worldwide	Family	£97.18	£142.91	£168.13	£201.75

93	Europe	Single	£58.60	£86.17	£101.38	£121.65
93	Europe	Couple	£87.88	£129.24	£152.05	£182.46
93	Europe	Family	£111.32	£163.70	£192.59	£231.11
93	Worldwide	Single	£83.69	£123.07	£144.78	£173.74
93	Worldwide	Couple	£125.55	£184.63	£217.22	£260.66
93	Worldwide	Family	£159.03	£233.87	£275.14	£330.16

Europe =
- The continent of Europe West of the Ural Mountains
- The UK, Republic of Ireland, Channel Islands, Isle of Man
- All countries bordering the Mediterranean Sea: this includes - Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Syria and Turkey, subject to FCO guidelines.
- The Azores, Madeira, The Canaries, Cyprus, Malta
Worldwide Includes United States of America/ Canada/ Caribbean
The standard Excess is : £100 - Bronze, £50 - Silver, £25 - Gold. When Removed an excess will still apply to certain sections of the policy.
The Economy policy excludes baggage and cancellation cover (hence is more suitable for those concerned about medical expenses only). Substantial savings are possible by removing baggage (15%) and/ or cancellation (20%) cover from the Bronze, Silver or Gold contracts.

Obtain quote for annual travel insurance and buy online

Medical Conditions

A full definition of medical conditions is on the quotation page. Whilst it is not a requirement for travellers to disclose medical conditions, we strongly recommend doing so in order that they may be covered. Non-disclosure could result in substantial costs having to be paid. Travellers should be aware that the European Health Insurance Card (EHIC) provides limited cover only and is hardly an adequate substitute for travel insurance. Cover is not available for travellers with a terminal prognosis.

Specific Advice on Aspects of Travel Insurance