Travel and holiday insurance

The main types of travel insurance available are, multi trip or single trip travel cover, skiing holiday insurance, backpackers travel insurance and hazardous activity holiday cover.

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Annual cover travel insurance allows multi trips, the policy is renewed yearly and usually works out a lot cheaper if you plan to take three or more trips per year, coverage can be within Europe only or worldwide.

Single trip travel insurance can work out more expensive if you plan to take three or more trips per year. For infrequent travelers single trip travel insurance is the ideal product and coverage can be within Europe only or worldwide.

If you intend to go backpacking buy travel insurance designed for backpackers, annual multi-trip insurance is not suitable and you will not be insured properly.

Winter sports travel insurance are divided into ones that allow off piste skiing and one that do not so before you buy your ski insurance check the small print.

Before going on an adventure holiday you should check your travel insurance if you are covered for hazardous activities or dangerous sports if you intend taking part.