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Annual, travel insurance

Annual Travel Insurancebar

We can offer annual travel insurance for UK residents. As brokers, we compare annual travel insurance providers to obtain cheap quotes. We also can help you ensure that the cheap annual travel insurance policy you buy meets your needs. Premiums for annual travel insurance start at 20.90

Age Limits

As you get older, annual travel insurance does become more expensive. Many direct companies don't quote annual travel insurance rates for people over 75 - or even over 60. To us, however, that is no problem. Whether you are , over 75 or even over 80 we have an annual travel insurance that will be suitable for you.

We now have an online annual travel insurance quotation system. Click here for immediate quotes and purchase.


We aim to provide quotes for annual travel insurance for individuals, couples and the family. Our family rates are suitable for parents and children up to the age of 17 (23 in many cases if they are in further education). If buying family annual travel insurance the key point is to make sure that, if necessary, your children are covered if they are traveling on their own - it's called independent travel. Not every policy offers this facility.


  • Compare several annual travel insurance policies online

  • Choice of maximum length (21, 30,45,60 or 90 days)

  • Regions - UK, EU, Worldwide, Worldwide Including America/ USA/ Canada

  • Winter sports - such as ski-ing

  • Golf equipment cover

  • Deletion of excess option

  • Deletion of cancellation cover option

If you have any medical conditions you will be pleased to know that full medical screening information is available.


As we are brokers, annual travel insurance can be arranged through many companies. We have, therefore provided quotes for them all - we also allow you to compare the excess on the policy (even though you have the option to delete it) and of course give you access to the policy document and policy summary before you purchase.

Maximum Length

The maximum length of an annual travel insurance is, of course, the duration of the longest trip you intend to undertake. We offer to cover up to 90 days a trip. Most policies have no limit as to the total length of time you can be out of the UK, but one or two do have a limit of 183 days per year. If you are concerned about this limitation please contact us.


The premium you pay for annual travel insurance depends on where you intend to travel. Our system lists every country (you can select 5), but a seasoned traveller may wish to go elsewhere. In that case we suggest that you select the USA for full worldwide cover, a country in Africa if you don't intend to travel to the new world or Caribbean or a European country e.g. Spain if you do not intend to travel outside of Europe.

Obviously restricting cover to Europe only (and some companies extend Europe to parts of North Africa or the Middle East bordering the Mediterranean) results in a cheaper quote. You can usually extend this if you have to mid-term but the full difference will have to be paid. Worldwide, this usually includes every country other than those where the FCO advises against and those in the New World - America, We recommend you include America, Canada, Caribbean countries and Mexico in your selection of countries visited if you intend to visit them.

Ski - winter sports

You can select winter sports cover as an option for your annual travel insurance quote. Many policies will include winter sports such as ski-ing automatically but some will give a discount if this benefit is not needed. You should also check the type of ski-ing that are covered - off piste, extreme, heli, jumping may be excluded in the policy


We aim to offer value for money for our annual travel insurance policies. There are cheaper ones available but almost certainly the reason for the cheapness is the excess. Our policies have low excesses - 35 to 65 is typical but economy policies are available with higher excess. We also offer the facility to remove the excess from most claims.

Deletion of cancellation cover

This option may be available on some annual travel insurance policies - we do not recommend it - For single trips if you are booking close to departure date there may be no need for cancellation cover, but for multi trips it is definitely recommended. Another point - if you buy a single trip policy cancellation starts immediately - however for a multi-trip policy cancellation starts at the commencement of the policy so do NOT buy a multi trip policy and start cover from the day of travel.

Other cover

Compare cheap annual worldwide, American and European single trip and annual multi trip policies and long stay and backpacker cover for students, winter sports and medical conditions. Senior travel insurance is available for the over 75, 70,75 and 80.

We hope that the information on annual travel insurance is of assistance. Finally please remember that as an insurance broker, B. Portwood & Company Ltd can make a comparison from a range of insurers who provide annual travel insurance. We appreciate that your needs and circumstances may dictate that a different policy may be more suitable but please feel free to call us on 0844 8262617 or, if you get no reply, our Gateshead office on 0844 8262618 and we will offer our independent advice on the various annual travel insurance policies available. 

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