In reply to TomGB:
Yes I've done annual cover before too, well worth looking at if you do several trips
- Fell really lucky one year when I had to cancel a booked UK trip due to illness and was able to claim for cancellation. That said generally I just accept that I would loose my money if I wasn't able to go.
TBH don't even bother with cancellation for Europe road trips (we only pre-book the channel crossing). For travel insurance I am an Austrian Alpine Club member (no medical questions and covers a wide range of activities, plus search and rescue) and use a bog standard insurance travel insurance policy (usually Post Office) for general medical cover.
Post edited at 17:02