cheap annual travel insurance holiday for UK residents

worldwide annual travel insurance rates and terms

cheap uk europe usa australia travel insurance

Our Online Travel Insurance Quotation System
cheap worldwide annual travel insurance for UK residents going on holiday

We are able to offer cheap travel insurance quotes for single trip, long stay and annual multi trip for virtually any UK or EU resident or family wanting holiday insurance for UK, Europe or worldwide travel. This is a non-advised service so it will be up to you to decide whether a cheap policy meets your requirements - but full information is provided to help so we ask more questions than most. A discount may be given but these only apply at the time the quote is given. Please note the cheap premium which will be quoted is for the whole Party (Single, Couple, two unrelated, family or single parent family). If you want a quote for a larger party e.g. 4 adults, please call us on 01207 509446 and we'll confirm premium and terms to met your requirements.

Medical Conditions (NB 'I' means everyone travelling or whose condition could affect the trip)

Most minor medical conditions can be covered by underwriters - who have set up special 'medical screening lines' - details of which are provided when you obtain a quote - without having to call us. If you want cover through Norwich Union, however then you will have to call as we have to do the medical screening ourselves.

We can provide life insurance for people with diabetes/ heart and other medical conditions (known as impaired life insurance (cheap quotes available)

Many of our cheap travel insurance schemes can cover medical conditions through a screening process. We also have available cheap travel insurance to cover virtually all medical conditions quotes are available for any age (up to 99) for any period (up to a year). The only medical conditions we can't offer are where the doctor has advised against travel or you have a terminal prognosis of less than six months. We can also cover people with medical conditions on waiting lists. If you have serious medical conditions, want cheap cover but cant get screening clearance or are on a waiting list then use this link

Travel Insurance for the elderly

We can quote for any age (99) for up to a year  Please use this cheap link for trips over 150 days if you are over 75 or over 120 days if you are over 80. If you are 100 or over we can quote for 120 days (up to the age of 110)

Question

Selection

Help
Type of Policy If you only want cover for a single trip, select 'Single'. If you want an annual policy to cover many trips select Annual. If you select 'Single' then qualifying Annual policies will also quote giving you the option
Start of Trip/ Policy Must start less than 12 months from today If you choose a Single trip then cancellation cover starts immediately. If you select an Annual policy then there is NO cover in force until the starting date of the policy.
Length of Trip Make sure you include the day you depart AND the day you arrive - A week may be 8 days! Many policies finish once you come back home - even if you select a longer period! 
Return date () months This is worked out for you.
Max. Trip Length days per trip There may be a maximum e.g. 183 days/ year and winter sports may be limited to 17 days.
Where are you?

Most policies are for future travel. We can quote for people who have left the UK and for those who are not coming back.
Where are you going?



There is a general embargo against visiting countries where the FCO advise you to stay away. If you are  visiting more than 5 countries please contact us - you may obtain a reasonably accurate quote by selecting countries in the following order (most expensive): USA / Canada/ Mexico/ Caribbean Islands/ Other countries / Australia/ New Zealand/ European Countries/ Eire/ Channel Islands/ UK (cheapest). You must advise us of other countries when you complete the application form.
Traveller  Details
Type of Party Family = parents & their children in full time education (but see NB0 below)
Nationality This quote system is aimed at UK residents but we can quote for EU residents. This may involve being redirected to another website.
Ages of Travellers
Proposer Age of Other adult Number of Children All ages are ages at date of travel.
Children's Ages: 0 or 1 2 3-17 18-22 Children over 17 MUST be living with parents and be in FULL TIME EDUCATION.
Pregnancy Many policies exclude pregnancy if the expected deliver date (EDD) is less than 16 weeks after the expected date of return. We can quote for up to 8 weeks on some schemes.
Policy Options
Baggage We normally recommend that baggage is insured under a house insurance all risks policy as cover is usually new for old and there are higher policy limits. It is up to you to check that your cover meets your requirements.
Business Goods May be needed if you go on business trips
Winter Sports If you do winter sports check that the policy will cover those winter sports that you intend doing.
Wedding cover Only needed if you want cover for rings/ dresses etc.
Golf cover Covers your golf equipment. Again you probably get better cover on a house insurance policy with all-risks cover.
Cancellation You may not want cancellation cover or you may have booked a very expensive holiday and need more than the usual policy limits (which tend to be £5,000 for short stay and £1,000 for long stay policies)
Excess All travel insurance policies have excesses on such things as baggage, medical bills etc. If you don't want the inconvenience of having to pay excesses then for some policies we can arrange for most of the excesses to be deleted.
Terrorism Cover More than 10 Million people travel abroad each year without cover following a terrorist action. If you want a policy that gives cover for medical expenses arising out of a terrorist action you can select this option.
Scheme ref  For B. Portwood & Co Ltd use only

Questions you should ask when buying travel insurance. Most of the answers are provided on our quotation results page.

  1. Have I checked that pre-existing medical conditions of all travellers will be covered? In particular if you are buying cover for only one member of a party, will the other travel insurance policies cover additional expenses if that member of the party falls ill?

  2. Are there any close relatives who are NOT travelling whose medical conditions could affect the trip?

  3. Does the travel insurance policy cover medical expenses arising out of terrorist activity?

  4. Does the policy include cover for any dangerous or sporting activities members of the party may undertake?

  5. If winter sports cover is requested: does the policy cover those winter sports I may be undertaking?

  6. What excesses are on the policy especially the standard excess, the liability excess for damage to property and legal expenses excess

  7. If I have any problem during the trip is there a 24 hour medical emergency helpline?

  8. If I have a problem with a claim do I have a professional insurance broker to help me or will I be on my own?

  9. Have I read the policy summary (Key Facts Document) and policy wording and understand the requirements if I have to make a claim - examples could be: notifying police within 24 hours if something is stolen - obtaining permission for medical treatment.

Travel Insurance for the elderly

 We can quote for any age (99) for up to a year  Please use this cheap link for trips over 150 days if you are over 75 or over 120 days if you are over 80. If you are 100 or over we can quote for 120 days (up to the age of 110)

Many of our cheap travel insurance schemes can cover medical conditions through a screening process. We also have available cheap travel insurance to cover virtually all medical conditions quotes are available for any age (up to 99) for any period (up to a year). The only medical conditions we can't offer are where the doctor has advised against travel or you have a terminal prognosis of less than six months. We can also cover people with medical conditions on waiting lists. If you have serious medical conditions, want cheap cover but cant get screening clearance or are on a waiting list then use this link

Our travel insurance quotation system offers single trip travel insurance quotes for people up to the age of 110 and annual travel insurance quotes for people up to the age of 85. Subject to age, quotes are available for up to 18 months cover. If an online quotation is not provided, we do have other policies available. If you request a single trip policy and you meet the criteria for an annual policy, the annual policy will quote as an option.

Please note that we are not providing any advice. We will ask a few questions to obtain quotations and provide you with sufficient information so you can decide which of the cheap insurance product's) quoting you want. It is up to you to decide on the insurance policy most suitable for your requirements e.g. if scuba diving or bungee jumping are needed and we accept no liability should you buy an insurance policy that does not cover you. We particularly draw your attention to checking whether any medical conditions you have are covered, whether any leisure activities you may partake are covered in the insurance and also to the fact that, if you are not requesting cover for all members of your party, you should check that the insurance covering other members will cover their cancellation/ curtailment following the illness of the person you wish us to cover.

Please note that if you are pregnant and your expected delivery date is close to the return then medical treatment arising out of being pregnant may not be covered. We have provided an option to state how long your pregnancy is expected to last after your expected return.

If you want a cheap advised sale please contact our Consett Office on 0870 0345503 Premiums will be more expensive due to the additional time/ costs of giving advice, however we will ensure that any policy we recommend will meet your requirements or, if not, advise you accordingly.

This quotation system is only valid if UK residents (unless stated in policy booklet) who have NOT already set out on a trip (unless advised) and who won't set out on a trip until the next business day at least and be returning to country of origin. With the following exceptions (if the company quotes)

  • Citybond: EU Residents 6 months plus provided trip starts and finishes in home country

  • Citybond: Emigration (one-way trips) minimum premium based on 17 days cover. Cover ceases 24 hours after arrival at destination)

  • COE: Anyone. On referral we can quote people who have already left the country.

  • PJ Hayman - Quotes automatically people who have already left the country.

  • PJ Hayman - Quotes one-way trips: UK residents who are emigrating (max 31 days cover ceases 48 hours after arrival at destination)

  • Please contact us if you want to cover a one-way flight.

NB0: We have defined children as being under 18 in full time education. Some of our insurers increase this age limit to 23 provided they are still in full time education - please call us if this applies to your own family. Please call 01207 509446 if you want a family quote to include students or if you want a quote to include other children (not your own)  Back to info

NB1 The policies that quote will vary in the excess, winter sports and dangerous activities that are covered, the maximum number of days of winter sports available and of course, the maximum benefits under each policy section. Some excesses cannot be deleted. If your trip is not purely pleasure e.g.  business or work (including light manual work such as crop picking/ bar tendering) you should check that the policy allows you to do these activities.

NB2: Hazardous activities: We are able to quote hazardous activities e.g. scuba diving / pot holing, bungee jumping on referral if not listed on the quotation page.

NB3 The fact that a quote is obtained in a specific region does not mean that you are covered in that region if, e.g., you are travelling against government advice. You should check policy conditions and the FCO website.

NB4: If you are concerned about the length of the trip as worked out you should bear in mind that we include the day travelling out AND the day returning. This means  that a week's holiday e.g. Sunday to Sunday is Sunday: Monday: Tuesday: Wednesday: Thursday: Friday: Saturday AND Sunday i.e. 8 days.

Return to our travel insurance and landlords home page