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Travel insurance for 2014

Hello, I just need a wee it of recommendation. We have booked a holiday this morning for 2014 (:T) but I have gone onto book travel insurance and seem to be unable to book it for more than 12 months in advance. Can anyone recommend a company to me who will do this more than a year in advance please?
“Listen earnestly to anything your children want to tell you, no matter what. If you don't listen eagerly to the little stuff when they are little, they won't tell you the big stuff when they are big, because to them all of it has always been big stuff.”
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Comments

  • Gloomendoom
    Gloomendoom Posts: 16,551 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    One way would be to take out an annual policy rather than single trip.
  • jackieblack
    jackieblack Posts: 10,575 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 25 April 2013 at 1:01PM
    One way would be to take out an annual policy rather than single trip.
    How would that work if the holidays is over a year away? Wouldn't an annual policy expire before the holiday starts?

    (I've had the same problem in the past)
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  • karent_2
    karent_2 Posts: 141 Forumite
    Part of the Furniture Combo Breaker
    You can start an annual policy up to 3 months in advance on direct travel insurance. So it depends when in 2014 you are going on holiday.
  • mcja
    mcja Posts: 4,077 Forumite
    Thankyou. I did price up and annual but as we are having a uk holiday n aug this year but its £197 for a family. Will just have to wait until aug and hope nothing happens.

    Many thanks.

    Claire
    “Listen earnestly to anything your children want to tell you, no matter what. If you don't listen eagerly to the little stuff when they are little, they won't tell you the big stuff when they are big, because to them all of it has always been big stuff.”
  • Have you considered changing your Bank Current Account to one that offers Travel Insurance as a benefit. Nationwide offer Free European Travel Insurance which can be upgraded to Worldwide cover for £40/yr. If you or a family member has an existing medical problem then it needs to be declared and they will quote for the increased risk.
  • mcja
    mcja Posts: 4,077 Forumite
    Thanks travellerboy. I hadn't thought of that. Problem is my son has to have an operation in July so I don't know whether to pay and have to declare it or wait until August when we know how it has gone.
    “Listen earnestly to anything your children want to tell you, no matter what. If you don't listen eagerly to the little stuff when they are little, they won't tell you the big stuff when they are big, because to them all of it has always been big stuff.”
  • Gloomendoom
    Gloomendoom Posts: 16,551 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    How would that work if the holidays is over a year away? Wouldn't an annual policy expire before the holiday starts?

    (I've had the same problem in the past)

    Yes. However, if an incident that prevents you travelling happens within the contract period of the annual policy, you are covered, despite the date of the trip falling after expiry.

    Otherwise, as was pointed out to me when I asked the same question, annual policies would be pretty pointless.
  • Gloomendoom
    Gloomendoom Posts: 16,551 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    mcja wrote: »
    Thankyou. I did price up and annual but as we are having a uk holiday n aug this year but its £197 for a family. Will just have to wait until aug and hope nothing happens.

    Many thanks.

    Claire

    Unless your party is large, old and/or has some pre-existing health issues, that seems insanely expensive. According to the MSE guide, annual family cover can be had from £30.

    Have you tried putting your details into a comparison site like moneysupermarket?
  • mcja
    mcja Posts: 4,077 Forumite
    :o what a donut I am!! that's much better prices (under £30). Just need to declare medical stuff and will run a back to back annual as it will cover me for cottage in August this year and legoland weekend as well.

    Many thanks
    “Listen earnestly to anything your children want to tell you, no matter what. If you don't listen eagerly to the little stuff when they are little, they won't tell you the big stuff when they are big, because to them all of it has always been big stuff.”
  • luci
    luci Posts: 6,069 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    mcja wrote: »
    Problem is my son has to have an operation in July so I don't know whether to pay and have to declare it or wait until August when we know how it has gone.

    You will still need to declare your son's operation even after it has been done as it is still a PEMC.
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