i am getting 200 ish for europe but worldwide to cover usa etc is crazy 600 up to 3000.
the nationwide bank fix is looking the best as thats worldwide and a decent cruise cover for missed ports etc.
so i reckon i will wait for the current policy to expire and upgrade the bank account. it may work out as i may leave motability this time as i am probably retiring by xmas so may just get a cheap runabout as i wont need to go to work every day.