Regarding Yearly travel isurance. Things could be different here in the UK but we just used our normal T.A. He knew we were intending to travel more than once during 2000/2001 so he suggested we bought a yearly policy. In the uk we used to have to buy travel insurance as part of the vacation package but the govenment realised that this was anti competative and the travel companies were making large profits on the insurance policies. So now people who offer package vacations can not make the insurance a mandatory part of the deal. This has led to much cheaper travel insurance.