Well last year I had worldwide travel insurance with Churchill. They were far off being the cheapest but they did appear to offer a better level of cover, especially for personal items like cameras/laptop etc.
Anyway, they sent me a renewal notice a couple of weeks ago and it was just as dear with less cover, more exclusions. I have not claimed. have my car and house with Churchill, never claimed on them for either of those either and I fit a nice profile for an insurer. They called me to 'remind' me to renew my travel insurance. I very politely told the guy 'well I haven't renewed because I am looking around for an alternative as you are one of the dearest' 'oh, ok, well just a reminder that your insurance expires on xxx'
How poor is that? You would at least expect some dialogue about well if you get a better quote call us, or well can we tempt you with a 10% discount? Nothing. If they can't be bothered nor can I Better to move all my insurance to a company that can be bothered or at least are cheaper too.
If anyone can recommend a good worldwide annual travel insurance - not looking for thecheapest - but a very good level of cover at a realistic price - that would be helpful. Half these policies are not worth the paper they are written on otherwise.