The cover period must be the full duration of your booked trip. (i.e., the date you leave your home to the date you return back to your home shown on your flight tickets).

Skiing cover is best not to be put on Annually. An additional Single Trip policy for 1 week skiing in Europe will be a lot cheaper than adding skiing cover for the whole year.

Also note the big difference to exclude the USA, Canada, Caribbean, and Mexico as these countries can be added later if you did happen to book such.

Adjust the Excess Levels to see how much you could save.

Check the Cancellation and Curtailment levels suit your needs. (i.e., reducing this can reduce the premium).

Adjust the baggage cover levels to suit your needs.

By taking the insurance closer to the holiday it becomes cheaper.

Please note that this insurance is only available for Green Zones as per the UK Governments
Foreign Travel Advise