If you travel abroad more thanonce a year, especially outside Europe, you can make substantial savings by buying an annual worldwide travel policy rather than taking out insurance every time you book a holiday.

Annual travel insurance policies are available on both an individual or family basis and will cover you for any trips you make during the year. Most travel insurance companies will charge you extra if you want the policy to cover winter sports or motoring abroad, although some will reduce premiums if you do not require cover for personal baggage - for example, where this is already covered by household content insurance.

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In choosing an annual travel insurance policy, don't go for one with necessarily the cheapest premium. Check that the cover offered is adequate - no two travel insurance plans are the same - and that you are happy with the excesses which the insurer will apply if you make a claim.

Although no two annual travel policies are the same, most travel insurance policies will cover you against medical and air ambulance costs, personal accident and personal liability, legal expenses and hospital costs. They also cover you against holiday cancellation, holiday curtailment, loss of passport and travel holiday.

Travel insurance premiums are not expensive, it will pay you to compare policies using our travel insurance comparison service. Travel Insurance Policies do differ markedly. Ensure before you sign on the dotted line that you are happy with the excess you will have to pay if you make a claim.