Question

Do I have to buy travel insurance?

Answer:

If you plan to go on more than one holiday in a year, it can be more cost-effective to opt for an annual multi-trip policy. This automatically covers you for any trips you make within 12 months of taking out the policy. But check the small print - most multi trip policies have a maximum length of stay per trip - often between 30 and 45 days - although this can vary between policies. Also make sure that your policy covers all the places that you will be visiting - particularly if your plans change from what you told insurers when arranging cover.