Getting more for your money

Since most of us take a couple of trips a year, you can drive down insurance prices by considering an annual policy which covers your summer holiday, your winter skiing and the odd impromptu weekend break or two as well.

Most annual policies allow unlimited trips as long as you donít spend more than 31 consecutive days abroad at one time.

Families too can save money by shopping around, since many policies charge for every person travelling. So look instead at a policy that offers cover for both parents and children.

These are available on a single trip on annual basis, depending on how often you holiday.