trafford
Trouble with traffords insurance is that in the small print it only covers you for 30 days at a time (may be 60 or 90) and to top up it is not cheap I was insured with them but now cashed it in as they would not payout should you not be able to prove you have only been out for a small number of days.
I am no expert but think that an annual policy should cover you for a year.
I am talking of the combined life and medical cover policy they offer.
Happy Landings
Flydaddy