British Gas Life Insurance

British Gas adds Life Insurance to growing Financial Service portfolio

British Gas is today launching a life insurance service for its customers. The service combines a thorough search of some of the leading UK life companies? premiums with a simple application process. In addition all premiums will benefit from special discounts.

For example a 34 year old male, non-smoker requiring £100,000 cover over 25 years will be able to find cover for as little as £9.13.

A female aged 40 years old, smoker requiring £100,000 cover over 20 years would be quoted a premium of £16.81

Quotations can be given in a matter of seconds for online users using House.co.uk or alternatively customers have the choice of enquiring by telephone.

Neale Phillips, Head of Financial Services for British Gas said "The majority of our customers arrange life insurance when they move home and with one million annual home movers, this is a logical and valuable new service to provide.

Rather than issue laborious and often difficult to understand application forms, this service will drastically reduce the usual time taken in the traditional application process by utilising a professional telephone service, through which customers are advised how to complete the necessary questions that life companies require answers to. Our research confirms that the provision of this kind of superior service at a very busy and stressful time will be welcomed by our customers"

The new service will also provide the growing number of customers in the market who are looking to switch away from their current life insurer with a quick alternative quote, to see if they can enjoy savings from securing a better deal.

Customers interested in British Gas life insurance can obtain more information by visiting British Gas? web site www.house.co.uk

Britons planning to never retire

Increasing numbers of Britons are having too much fun to ever retire, new research suggests.

Friends Provident's Lasting Lifestyles report suggests that, like Arthur Winston who retired this week after working until the age of 100, a new group of Britain's consumers will never fully give up work.

Mr Winston left his job at the Los Angeles public transit agencies on Wednesday and he had only missed one day of work in 76 years - in 1988 he took a day off to attend his wife's funeral. He said he could have retired in his 70s, but stayed on to help out family members with university fees and financial problems.

And spurred on by continued calls on their bank balances and given the freedom to spend after their children have flown the nest, some 4.1 million Britons aged between 55 and 64 are following his example and are currently working on.

This group enjoys the finer things in life that extra money brings, including luxury cars, skincare products, up to five holidays a year and designer jewellery.

"This is a consumer that came of age in the 60s," noted Jeremy Ward, head of pensions marketing at Friends Provident.

"[They] have kept their open attitudes, political awareness and readiness to consider new ideas. They believe in using their money for fun, enjoyment and new experiences. They don?t want to give up work because they are uneasy about the thought of ceasing to function in society and as consumers."

And the number of UK residents who keep working longer is set to rise, with research firm The Future Laboratory predicting that by 2020 there will be 5.2 million people working on later in life.

"They will recognise that they miss the action of work, even the stress, and head back to the office," said Mr Ward.

"Phased retirement will be seen as desirable, with increasing numbers turning to retirement coaches to help them along the way. Previous reports have hinted at desperation as a reason for people continuing to work, but this new group will actually be choosing to do so, seeing it as a positive move and enjoying the benefits for as long as they can."

Budget 2006: How it affects you

Today Gordon Brown delivered his tenth and possibly last Budget as chancellor. Finance Choices brings you a breakdown of how it will affect your bank balance.

In what was very much a campaign speech for his predicted future role as prime minister as well as an announcement of key financial measures, the chancellor announced relatively little in terms of major changes to UK taxes - but what he did say will have a hefty impact on millions of Britons.

The headline-grabbing measure was undoubtedly the increase in road tax for more polluting vehicles, but there were a number of other measures announced that will impact the finances of the Great British public.

• Personal tax allowances were raised £140 to £5,035


• Sin taxes: Nine pence more tax was put on a packet of cigarettes, four pence on a bottle of wine, one pence on a pint of beer. Cider, whisky and champagne were unaffected.


• Stamp duty threshold was raised from £120,000 to £125,000.


• The inheritance tax minimum threshold is up £10,000 to £285,000 from April, rising to £325,000 by 2009-10.


• Road tax will be free for low pollution vehicles, and range from £40 to £210 depending on the petrol consumption of cars.


• Child tax credit is to be raised 14 per cent over three years - making it worth as much as £88 a week by 2009, with child benefit raised to £17.45 a week from April 10th.


• Children eligible for child trust funds would receive an extra £250 or £500, depending on their parent's income when the child is age seven, as well as their original child trust fund voucher.


• Legislation for Real Estate Investment Trusts (REITs) would be published, creating a new form of fund for people to invest in.


• Shared equity to be piloted/expanded to help first-time buyers. Shared equity schemes are to be piloted where investors have to pay just 25 per cent of the value of some properties.


• Help to make homes more energy efficient, providing insulation for all pensioners and low-income families. Also help to get 250,000 more homes insulated. Micro-generation to cut fuel bills for 25,000 buildings.

Sainsbury's Credit Card

About Sainsbury

J. Sainsbury Plc is a well known and respected food retailer in the UK. However recent market diversification has seen J. Sainsbury expand to other markets, selling non food retail products and joining the financial services sector and offering many different financial products including UK credit cards. Sainsbury aims to provide customers with top quality products at affordable prices. Sainsbury?s roots can be traced back to 1869 when the first store was opened in London; they now have 583 stores of which 50 have in-store banking centres. They also run one of the most successful loyalty card schemes with over 50% of UK households participating in the scheme. Today in the UK a typical Sainsbury store offers over 34000 products to consumers.

Operating in the UK J. Sainsbury have five operating divisions, they employ around 150,000 and have a group turnover of over £18000 million in 2004. Of these workers 62% are female and 60% are part time. Sainsbury Bank begun life at the start of February 1997 in a venture which saw them join forces with The Bank of Scotland, common nowadays Sainsbury?s were the first UK supermarket to open a banking division. Over 2 million customers have enjoyed the benefits of banking with Sainsbury with their original idea. Sainsbury offer a wide range of financial products for which they have won several awards. The Bank was named ? Best Overall Provider? in 2003 by the Money Direct Awards and was singled out for performing excellently well in all the categories measured. They have also managed to achieve both of the following awards for an amazing five out of the last 6 years, ?Best Personal Loans Provider? and ?Best Home Insurance Provider?. Both were awarded by Your Money.

Sainsbury's Credit Card

Whatever you want, you should buy it with a Sainsbury's Bank Standard credit card. Whether you're into shoes, clothes, DIY or simply enjoy travelling, you can now shop for the next 12 months and not pay a penny in interest.

It's not just a great purchase rate, if you're paying high rates on existing outstanding credit or store card balances, wthey can help with this too. Switch them to your Sainsbury's Bank credit card and you'll only pay a lower rate on balances transferred within the first six months, until the balance is paid off. Any balances transferred after the six month period will attract their low standard rate.

At Sainsbury's Bank they believe a credit card should offer more than just great rates. That's why they'll be offering you a series of exclusive benefits including a fantastic voucher booklet saving you up to £150, including money off your shopping at Sainsbury's.

In addition to great rates and exclusive offers, you'll also earn 1 Nectar point for every full £2 you spend on your Sainsbury's Bank credit card. Nectar points can turn into almost anything.

Or, if you prefer your rewards in the form of cashback on your spending, that's no problem. Tell them and your account will be credited automatically at the end of each year with cashback.

Benefits of the Sainsbury's Credit Card

• Manage your finances online


• Credit Care available to protect your repayments in the event that you cannot work


• Card Care offering you peace of mind if your cards are lost or stolen


• Cash withdrawals from bank counters and over 800,000 ATM outlets worldwide

Summary

Perfect for people earning over £20,000 a year and this credit card offers a great range of benefits. Now you can shop online with complete confidence and peace of mind... thanks to Sainsbury's Bank Secure. Part of the global 'Verified by Visa' programme, this new service ensures that only you can use your Visa card to make purchases on the internet. An excellent card offering the best benefits on the market.

Sainsbury's Credit Card

More Than Car Insurance

About More Than

MORE TH>N was launched in June 2001 bringing freshness and a new approach to the consumer financial services market. The company has developed into a modern, forward thinking financial brand but with the Royal Sun Alliance Insurance Group heritage, expertise and tradition behind them.

Royal & SunAlliance (RSA) is one of the world's oldest and most well-established insurance groups; and has been helping to secure the future of individuals and companies for nearly three hundred years.

More Than Car Insurance

More Than Car Insurance, as part of a large insurance company, (Royal and SunAlliance) tends to cater to low-risk drivers ? but if you qualify you could get a really good deal. They have some different features available that you don?t see everyday, such as a maximum no claims bonus for life, cover for breakdown anywhere in Europe, 24 hour legal counseling and free courtesy cars. They offer a £30 discount if you apply online and claim that you will save a maximum of £90 by switching to them. And they also say you could save up to 65% off your premiums in one year using their motor insurance policy. They cover only drivers of standard cars, and cover an age range that is comparable to all the other standard motor insurance providers. Also, if you insure your partner?s car along with your own you can get some really good bonus deals that are not always offered by other companies.

Their website is all about savings. You can sift through the information they provide online to find out how much you can save with them ? and they do seem to have some unique and money-saving features.

Summary

More Than?s car insurance policies offer a number of benefits that are not always available from other providers, with their No Claims Bonus arrangements potentially saving you significant amounts on the cost of your insurance. They also implement a no fault policy so that you are not penalised should your car be damaged accidentally whilst parked - with most insurers an incident like this would affect your No Claims Bonus. They also offer 24-hour legal advice and medical and post-accident counselling helplines.

More Th>n?s website is well designed and easy to use with a range of policies available including additional protection such as breakdown cover. On the website you can not only view policy and company information but also lease a car or obtain useful information on car buying and car maintenance. You can even retrieve a previous quote if you need a little bit of time to think about it.

More Than Car Insurance

British Gas Internet Savings Account

Summary

At 4.65% gross/AERmore information our Internet Savings Account offers you an attractive rate of interest and an easy way to watch your money grow.

* 4.65% gross/AERmore information includes a first year bonus of 0.65%

* start saving with just £1

* unlimited withdrawals and deposits, whenever you like, without penalties

* manage your money online, 24/7

* secure password protection for extras

Apply now

Brits spend £166 on treating themselves

In just three months the average Briton spends £166 on treats for themselves, new research reveals.

And overall, this means self-indulgent UK residents have racked up £7.8 billion in credit card spending on luxuries.

Data from Morgan Stanley shows that Brits are far happier spending money on themselves than others - with credit card holders spending just £55 each on treats for partners and spouses, although UK residents did splash out an average of £99 each on presents for their families in this period.

The figures, drawn from credit card spending in the last three months of 2005, also show that younger Britons are the most self-indulgent. Those in their 20s spent almost 50 per cent more on treats for themselves than the national average in this period, with under-20s the next biggest self-shoppers.

"Despite reports of a quiet end to 2005 on the high street, our research shows that Britons still found time for the occasional self-indulgent purchase," said Patrick Muir, marketing director for the Morgan Stanley credit card.

"Over the past few years we have observed a growing trend in using credit cards for making everyday purchases, but they also remain a popular way for people to treat themselves before pay day."

Residents of the East Midlands spent the most on themselves in the run-up to 2006, at £261 per person, while people in the north-east were the most generous - spending the most on their friends and relatives and the least on themselves.

Click here to find a cheap UK credit card

More Than Home Insurance

About More Than

MORE TH>N was launched in June 2001 bringing freshness and a new approach to the consumer financial services market. The company has developed into a modern, forward thinking financial brand but with the Royal Sun Alliance Insurance Group heritage, expertise and tradition behind them.

Royal & SunAlliance (RSA) is one of the world's oldest and most well-established insurance groups; and has been helping to secure the future of individuals and companies for nearly three hundred years.

More Than Home Insurance

More Th>n offers home insurance and has recently decided to increase its level of cover to reflect its customers needs to £60.000 for contents and to £400.000 for buildings cover.

More Than's home insurance policy covers (in general) the following:

• Cover for accidental damage and theft to include;
  
• All household items including curtains and furniture


• TV's, Hi Fi's, Video recorders, cameras


• Glass furniture


• Garden furniture


• Sheds and outbuildings


• Business equipment


• Replacement keys and locks

Cover can also be arranged for Wedding and Christmas present cover at these occasions when value of goods in a property are higher.

They also offer a Legal Service and access to over 200 professionally prepared documents online.

Summary

More Than's Contents insurance will provide you with protection for your home, with all items replaced on a new for old basis and up to £500 for lock replacement should your keys be lost or stolen. Thier buildings cover will cover any outbuildings such as a greenhouse or shed in addition to your house and will also provide you with emergency cover of up to £150 for things like emergency repairs or accommodation costs.

The More Than website is well designed and extremely easy to use. As well as clear and simple product and company information the site also comprises valuable articles on everything from safety in the home to moving house. The quote process will only take a few minutes of your time- pay the site a visit to see what More Than has on offer.

More Than Home Insurance

Home bills to cost more than mortgages

Home owners will spend more money on council tax and utility bills than they will on mortgage interest payments for the first time this year, experts said yesterday.

Recent increases in the cost of electricity and council tax have forced the change. The Halifax bank said the cost of owning a home rose by more than three times the rate of inflation last year.

The figures, which run to March, do not include recent gas and electricity price rises.

According to Halifax, total housing costs for the average home owner increased by £418 from £5,948 in 2003-04 to £6,366 in 2004-05.

In London the cost of owning a home is 28 per cent above the national average, while the North East is the cheapest region in which to run a house at £4,990 a year.

Of that figure, mortgage interest payments account for 34 per cent of the cost, the same percentage as council tax and utility bills in 2004-05. For home owners with small mortgages, the percentage spent on council tax and power bills is expected to outstrip the cost of mortgage payments in the next year.

"Further above inflation rises in fuel and council tax bills are expected to drive up further the costs of owning and running a home this year. Council tax and utility bills will overtake mortgage payments as the largest cost for homeowners this year," explained Halifax chief economist Martin Ellis.

However, the cost of mortgages is still the biggest single cost at £2,146 in 2004/5, some 20 per cent more than in 2003/4.

To find a cheap mortgage visit the Finance Choices Mortgage Guide

Birmingham Midshires Savings Account

Who are Birmingham Midshires?

Birmingham Midshires has roots dating back to 1849 and is the result of an amalgamation of some 50 building societies including the Liverpool and Birmingham & Bridgwater Building Societies. The branch network is concentrated in the core areas of the West Midlands, North West and South West. The Wolverhampton head office also provides a range of post and telephone savings accounts and services. In April 1999 Birmingham Midshires became part of the Halifax Group (and, since Halifax and Bank of Scotland merged in 2000 are now part of the HBOS Group), retaining its own brand, branches and product range whilst being able to draw on the considerable resource and market expertise of its parent.

About the Birmingham Midshires Savings Account

The Birmingham Midshires Savings Account offers a refreshing alternative to many of the high yielding accounts on the market in that you can invest as little as £1 to get you started.

The interest rate of 4.80% Gross/AER is competitive and whilst paid annually still offers good value for money. You can also make unlimited transfers with no additional penalties, whilst transfering money effortlessly from your Internet Easy Access Account to your nominated bank account.

The account can only be accessed via the Birmingham Midshires website, although for those comfortable with the web this is often a help rather than a hindrance as it offers access to your details 24/7.

Overall the Birmingham Midshires Savings Account is a good offering and well worth investigating.

Summary

• Invest as little as £1 and earn a high interest rate of 4.80% Gross/AER.


• Access your account at any time.


• Make unlimited transactions with no penalties.


• Transfer money effortlessly from your Internet Easy Access Account to your nominated bank account.


• View full and mini statements.


• You'll receive a first year bonus of 0.50%

Birmingham Midshires Savings Account

Life Policies Direct

LifePolicies Direct is a leading firm of independent consultants providing low-cost life insurance direct to the customer, using the most competitive policies available from UK insurance companies. The Company operates through a telephone, postal and internet service and under its ?price promise? will beat any other quotation for life insurance currently on the market in the UK on a like for like basis.

The company has established excellent relationships with all the major providers including Norwich Union, Legal & General and Scottish Widows and can boast their own dedicated processing team with most providers. Through careful control of its own costs and the employment of modern technology, LifePolicies Direct Ltd is able to offer the most competitive rates on the market, combined with a highly personal service.

LifePolicies Direct is available 24 hours a day 365 days a year and will provide free verbal quotes backed up by a promise to send a written quote to the client within 24 hours on every occasion.

LifePolicies Direct?s service is further enhanced by the fact that where possible every enquirer speaks to a LifePolicies Direct representative in person during the course of the sales process, to ensure the client gets the best policy for their requirements.

The company is confident that its post-sales service is superior to any of its competitors. All applications are returned to LifePolicies Direct where they are fully checked for errors and omissions by experienced staff before being forwarded to the relevant insurance companies for processing. Their comprehensive back office systems ensure all applications are progressed as quickly as possible to ensure minimum delay to the client. In addition the Company has utilised leading technology where possible to establish on-line capability with many of the providers such that immediate, same day cover can be obtained in many cases.

In addition, if a policy has stayed in force over 4 years, the company will automatically review its customer?s options and send them details of a newer and more competitive offer if available.

LifePolices Direct was founded by two experienced Independent Financial Advisors, Simon Platt and Jason King, in May 1999. Following consistent growth over its first 5 years Life Policies Direct became part of the Torquil Clark group in 2004. Now based in Wolverhampton the group employs over 100 staff and has in excess of 100,000 active clients.

Life Policies Direct

Banks robbing the rich and ignoring the poor

UK banks stand accused of making money from well-off Britons, while ignoring their responsibilities to the most vulnerable members of society.

To stop this, a leading think tank has called for banks to be subject to a "universal service obligation".

Currently, 11 per cent of Britons do not have a bank account, three times as many as in the majority of European countries, the New Economics Foundation (Nef) reveals today.

At the same time, figures from Moneyfacts reveal that some 36 per cent of UK bank accounts now require their holders to deposit at least £1,000 a month.

"The banks are cherry picking the most profitable customers - only paying lip service to tackling financial exclusion," said Whitni Thomas, head of access to finance at Nef.

"Their lack of action leaves the most vulnerable marginalised from mainstream financial services, paying more for everyday goods and with no option but loan sharks for credit."

The government introduced basic bank accounts in 2003 which are designed to allow more people to benefit from the advantages of bank accounts.

They let people who would often not qualify for a standard bank account benefit from facilities such as paying bills by direct debit, having pensions and benefits paid directly into accounts, and accessing their money with a cash card.

One of the features of the account is that it cannot go overdrawn, and generally does not include a cheque book.

Evidence from the British Bankers' Association shows that there are about six million UK residents with basic bank accounts.

However, earlier this year Citizens Advice pointed to examples of banks putting "unreasonable obstacles" in the path of those trying to open accounts - such as insisting on certain forms of identification, or not providing any information about basic accounts.

Other problems include heavy fees for missed direct debits, which can be triggered by late payment of benefits or tax credits, and the fact it can take as long as ten days for a cheque to clear using a basic bank account, rather than the three it takes normally.

Nef is recommending today that banks are subjected to a universal service obligation, similar to those applied to the post office, utilities and telecommunications.

"A universal service obligation would guarantee the right to a transactional bank account for the UK's poorest consumers. It should be a simple quid pro quo for the licence to operate in a lucrative and well protected market," Ms Thomas explained.

"In the same way that utilities, postal services and telecommunications are a basic right, a bank account is essential to function effectively in society, a universal service obligation would guarantee this right for all."

To find a top-rate UK current account, go to www.financechoices.co.uk/banks-best-buys.html

Britons paying £7.6bn too much tax

UK taxpayers will hand the Inland Revenue £7.6 billion more than they need to this year, new figures show.

This is because more than four adults in five are simply not paying attention to where they could save money, IFA Promotion reveals today.

And this laziness is increasing, with Britons set to needlessly surrender £1.8 billion more of their money to the taxman this year than last.

"Whether through apathy or confusion, the failure to claim tax credits is just one way we?re gifting unnecessary and vast sums of money to the taxman each year," said David Elms, IFA Promotion chief executive.

"And people can take even simpler steps to stamp out tax waste, such as non-taxpayers filling in a simple form, married couples making sure they use up both tax-free personal allowances, or people simply submitting their self-assessment forms on time.

"Over the past few years, the onus for managing tax affairs has shifted increasingly to the individual, but our awareness and action is not keeping pace, and so the mountain of tax waste keeps growing."

IFA Promotion's top tips for cutting tax

-Claim your tax credits - £2.9 billion of ?free money? is up for grabs from HM Revenue & Customs and the Department of Work and Pensions, in the form of pension credits, child tax credits and working family tax credits.

-Use up your annual ISA allowance - £170 million in tax could be avoided by tax-free investments in ISAs, or moving savings from an ordinary deposit or savings account to an ISA. Also consider a friendly society savings account or products from National Savings & Investments as tax-efficient savings options.

-Sort out your self-assessment - £487 million waste could be wiped out by all forms arriving present and correct by the January 31st deadline. Self-assessment forms received after the deadline incur penalties of £100; further penalties and errors make up the balance of tax wasted in this way.

-Maximise your personal tax allowances - £548 million goes begging each year, £319 million through non-taxpayers failing to claim tax back on banks and building society savings accounts, and a further £229 million by taxpayers not transferring savings accounts to non-taxpaying spouses, if appropriate, so that the tax liability on the savings is lower, or none.

-Plan your inheritance - an extra £1.3 billion could go to chosen heirs by planning properly to avoid inheritance tax liabilities. Inheritance tax is often lost through not writing life assurance policies in trust, not thinking about inheritance tax allowances and, worst of all, by not making a will at all.

-Top up your pension pot - £656 million could be spared by optimising contributions to personal or company pension schemes, or making additional voluntary contributions.

-Take advantage of employee share plans - £207 million is up for grabs for the estimated 600,000 staff currently in profit related pay schemes.

-Use your capital gains allowance efficiently - £389 million could be saved by transferring assets between spouses to make the most of both of your capital gains tax allowances.

-£808 million more could go to good causes by using tax-efficient means of charitable giving - i.e. using a deed of covenant, gift aid or payroll giving.

-Using up the tax free savings potential of child trust funds - £21 million in tax could be saved in their first year of existence.

Co-operative Bank Advantage Platinum Card

The Co-operative Bank can trace its origins back to 1872 and the formation of the Loan and Deposit Department of the Co-operative Wholesale Society. Currently the Co-operative Bank offers various credit cards to suit different lifestyles.

The Co-operative Bank Clear credit card offers a permanently low standard rate card with an APR of just 9.9%.

And this doesnt apply for a certain period of time or for specific actions this low rate is on balance transfers and purchases all the time. So, if you dont like changing credit card and want a great value great rate product this could be the one for you!

And its not just just on purchases - you also benefit from a rate of 9.9% APR on cash withdrawls too!

The Co-operative Bank credit card also has some great added value features; There is no annual fee, you get a choice of 2 stylish card designs and you get extensive travel privelages including discounts on holidays and car rental.

Also when you use the card the clear credit card will donate 1.25p for every £100 spent on the card to charyity through their Customers Who Care program.


Summary

The Co-operative Advantage Platinum credit card has arrived and there are some excellent offers for you to take advantage of. As well as a fantastic deal of 0% balance transfers and purchases for 6 months, the Co-operative Bank have pushed the boat out when it comes to discounts on travel, holidays, hotels and car hire.

All we ask is that you earn at least £25,000 a year, are at least 25 years old and currently hold a credit card

The Co-operative Banks is famous for it's slogan "Customer led, ethically guided" and it makes no surprise to hear that for every £100 you spend the Co-operative bank will donate 1.25p to a worthwhile cause.

Other Co-op Credit Card Benefits

• No annual fee


• A minimum credit limit of £5000


• Typical APR 14.9%


• £25,000 Travel Accident Insurance


• Travelclub benefits.


• Free purchase protection insurance

Apply now

Halifax Travel Insurance

Halifax, otherwise known as HBOS, offers a range of travel insurance products to cover you wherever you're going and however long your trip.

The Halifax Multi Trip Insurance product is a cost effective cover if you travel to Europe or Worldwide more than once a year. It offers an automatic renewal facility to ensure you are never left without cover. No one trip must exceed 60 days in length.

Halifax Single Trip Insurance is for the occasional trip abroad or in the UK. The trip cannot exceed 185 days in length.

Finally, the Halifax World Explorer product gives up to 365 days cover for one individual going on a long trip.

Halifax holiday insurance includes benefits such as up to £5000 (this can be increased) of cover against cancellation of pre-booked travel and accommodation expenses. It will also cover the value of the portion of the travel arrangements which have not been used if you have to cut short your holiday and return home due to illness etc.

Summary

Halifax offers a range of travel insurance policies to cover you wherever you're going and however long your trip.

Their Multi Trip Insurance product is a cost effective cover if you travel to Europe or Worldwide more than once a year. It offers an automatic renewal facility to ensure you are never left without cover. No one trip must exceed 60 days in length.

Halifax Single Trip Insurance is for the occasional trip abroad or in the UK. The trip cannot exceed 185 days in length.

Finally, the World Explorer Quote gives up to 365 days' cover for one individual going on a long trip.

For more information visit the Halifax website below.

Halifax Travel Insurance