I have used Halifax Multi Trip travel insurance for last 3 years.  I usually buy online and never renew when requested.   The renewal price is never as cheap as buying a new policy each year.  I always pay to remove the £50 excess, which means if you had several incidents happen, like you lost a bag and then someone had an injury you don't pay £50 excess for each incident.  I reckon you might pay around £85 for yearly cover.  It is 5 star rated cover and you may get further discounts if you have products with the Halifax already.  Happy holiday