I used to use the holiday firms insurance which was usually Axa who I had to phone to be screened and had to pay nearly double for a single return trip, as we were going abroad a few times a year I decided to see what a yearly insurance would cost, I filled in Axa's online form but still had to phone up to be screened, after answering all the questions I was told there was no increase to which I asked, when I have your insurance with Thomson I was always charged more to which he replied, Thomson charge the extra cost not Axa so the last ten years I've insured direct with Axa at no extra cost because of my type 1 diabetes.