Two types of travel agent

Answer 1

There a basically only two types of Travel Insurance, the first is a policy

that only covers one specified journey, known as a single trip policy, and

the other will cover all journeys made within a specified 12 month period,

known as an annual multi-trip policy.

There will, however, be a requirement to meet with respect to length of

residence and registration with a local GP in order to qualify for cover

under either policy. I don?t know of any full travel insurance policy

available to a UK resident that doesn?t require you to be registered with a

local GP, although there are some limited policies, limited both in the

amount of cover and the scope of the policy that can be bought without

having being registered with a local GP. The length ofresidency criteria

can vary from no restriction, through 6 of the last 12 months, to the

strictest of them being the last 6 months continuous residence prior to

purchase, although short holidays are permitted to have been taken during

the 6 months.

Single trip policies are sub-divided into short stay and long stay versions,

short stay travel insurance policies have a maximum duration of around 3 or

4 months depending on the insurer and long stay policies have a maximum

duration of 18 months usually, although this is often reduced based on age

and destination. However, it is the norm that regardless of how long a

duration you have paid for, if you return to your home country during the

insured period then the policy ends, so if you are a UK resident, you can?t

book a 3 week policy for a trip within Europe and spend a week in France,

then return to the UK en-route to Ireland for 2 weeks, as the policy ends as

soon as you set foot back in the UK, you would need twoseparate travel

insurance policies, or travel directly to Ireland from France. Having said

that, it is possible to purchase a long stay policy that has the option, at

additional cost of course, to return to the UK twice during the insured

period.