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Changing Travel Insurers

I currently have an annual travel insurance policy for Europe. I have already booked and paid deposits on a number of overseas trips for 2025. My policy expires in February and the premium has gone up a lot, so I'm thinking of changing insurer. What happens if I need to make a claim later in the year - will it be through my current insurer (the one when I booked), or my new insurer (when the claim happens)? Or will I get caught up in arguments between the two insurers? Anybody had experience of this?

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