If you're touring in the UK, or a UK citizen touring elsewhere, you have many options including full year tour insurance. While the occasional tourer such as a tourer may not find full year tour insurance preferable to the one-trip options, executive tourers or other frequent tourers may opt for full year tour insurance as the best time saving and money saving choice.

UK tour insurance options, in addition to full year UK tour insurance coverage, are numerous: one-trip or multiple-trip plans, extended stay, executive tour plans, several designed especially for family tour, and even one that's focused on the needs of backpacking tourers.

With just about every plan lost luggage coverage can be included or deleted a la carte, since tourers may find that this protection is included in their homeowners' policy. Full year UK tour insurance, as well as one or multiple trip options, also includes medical coverage while participating in most sports, although you sometimes must choose this option for the coverage.

Instant quotes are available online. On one informative UK site your instant quote is given individually for your choice of single trip, annual (also known as multiple trip) or backpacker.

Let's take a look at the full year UK tour insurance quote.

For this quote you are asked to register and then choose destinations. The destination choices for this full year UK tour insurance plan are for tour specific to the UK, tour within all of Europe, tour worldwide with the exception of the United States and the Caribbean, word tour that includes the U.S. and the Caribbean, or tour in Australia and/or New Zealand. We indicated that we are a couple - 45 and 43 years of age - with no children under 19 accompanying us, that we are touring throughout all of Europe starting September 1st of 2005, and that we are going to participate in winter sports.

The quotes, converted from British pounds to U.S. dollars, ranged between $92 and $255, depending on the extent of coverage. At the low end of the full year UK tour insurance coverage we found lower ceilings on medical coverage. These quotes also excluded lost baggage coverage and some sports coverage. An accident during a round of golf, for example, was not included in this quote.

The highest premium full year UK tour insurance product, offered an amazingly high ceiling on medical coverage - over $17 million -included compensation for any loss of limbs, dental coverage, mountain search and rescue and repatriation for medical emergency.

Clearly, if you seek full year UK tour insurance, you'll find many options and something that will fit your wallet.

Steve Cogger is webmaster of http://www.1-Happy-Traveller.com. Visit the site today to receive all of the information on tour insurance you could possibly need.