Annual Travel Insurance

Author: Robin

Annual travel insurance enables you to make as many trips as you like in a year, provided they don’t exceed a certain amount of time.

You may have heard the terms single-trip and annual travel insurance before - single-trip covers you for a one-off trip whereas annual multi-trip provides cover for any number of trips in a year. Single trip policies may appear cheap - but did you know that if you are a regular traveller you could make a significant saving by taking out an annual travel insurance policy?

Annual travel insurance enables you to make as many trips as you like in a year, provided they don't exceed a certain amount of time (usually 31 days). So if you want to take off somewhere for a last minute break, you don't have to worry about arranging travel insurance.

Before you buy an annual travel insurance policy, consider where you are likely to be travelling in the next 12 months. If you're not sure it may be better value to purchase an annual travel insurance policy for European travel; you can always extend it to Worldwide at a later date. If you are planning to do wintersports, check the policy details carefully - some annual travel insurance allows you a certain number of days of wintersports cover at no extra cost, others require you to pay an additional premium.

Annual travel insurance policies should cover emergency medical expenses, trip cancellation, baggage and personal belongings at a minimum. However, some companies are willing to take 10-25% off premium costs if you decide against coverage for lost and damaged luggage. Check your home contents insurance as you may already have cover on that for taking personal belongings abroad.

As the name suggests, annual travel insurance covers you for one year from the date that you choose to start the policy. You might want this to be the first day of your next holiday, but bear in mind that you will not be covered for cancellation before this date. Consider starting the insurance from the date you book the holiday instead. If you are planning a special holiday in the duration of your policy, check that the cancellation limits cover the entire cost of your trip.

Buying a couple or family annual travel insurance policy can make good savings too. However if the kids are going on holiday without you (on a school trip for example, or with their grandparents), check whether the annual travel insurance policy covers them for this - most allow the adults to travel independently of each other but children must be accompanied by an insured adult on the policy.

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24/7 travel insurance offers annual travel insurance policies starting from just £32.35* - that's cheaper than some equivalent single-trip policies! Insurance comparison sites such as Moneysupermarket now make it easier than ever to review the market and find a great value policy - leaving you with some extra cash for your holiday too!

Article Source: http://www.1888articles.com