Some of the deals on offer - through Rock Insurance Services, PTI, Elvia and AIG - are only available through the OinC.com website thus the rock bottom prices.

Have a butcher's at the 7-day single trip policy for Europe, for instance. Rock, in conjunction with Mondial, offer a policy at just £9.99.

It's aimed at the budget conscious traveller who in return for a low premium is happy to forgo some baggage cover and accept a higher excess, yet still retain the all-important medical and personal injury elements.

This is also a Europe-only scheme which keeps the costs even lower as part of your premium isn't helping to support the high costs of medical claims in the USA.

Meanwhile for a 14-night single trip to the US & Canada, PTI quote £28.63.

PTI (Professional Travel Insurance) was originally created to provide cover for members of the International Airline Passengers Association.

It now owns Columbus Direct and is part of a group with a turnover in excess of £45 million.

So it can afford to cut premiums.

OinC claims that even its cheapest holiday insurance satisfies the minimum requirements of all the major UK Tour Operators.

Good information

Certainly we can't fault their FAQs help page - it's fantastically clear and wins a gold star for clarity ie, no insurance mumbo jumbo.

You know exactly where you stand.

Check out their prices on www.OinC.com

E-mail: enquiries at OinC.com.

Telephone: 0870 00 55 622

Lines are open Mon-Fri 9.30am to 10.00pm; Sat 9.30am to 7.00pm and Sun 9.30am to 6.00pm

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