Travel cover can be arranged for one off trips and also on an annual basis. With us all taking more holidays and weekend breaks, annual policies can prove remarkably economical and are sometimes only slightly more expensive than a single trip cover.

When arranging your travel insurance, checking with just a few insurers will show you a dramatic price range. There are two main reasons for this. Firstly, cover provided can of course be substantially different, either in the form of policy limits, or exclusions that apply. Secondly, some insurance providers will receive extraordinary levels of commission - rates of 40% are not unknown. Unfortunately, this makes a lie of the saying, 'you get what you pay for'.

One of the main savings to made on your travel insurance is for the option to exclude baggage cover. If you have 'all risks' cover for personal belongings under your home insurance, you should not need to take this extra. In addition, the baggage cover under a travel policy has many restrictions, especially for theft, and your home insurance will usually be far more comprehensive. Do check your home insurance policy covers all risks worldwide however, as some are limited to European countries.

Our travel insurance arrangements normally earn us a standard 15% commission rate. In addition, we have chosen underwriters who offer two tiers of cover, with even the basic policy offering cover that will be sufficient for the vast majority of travellers.