Checking around on-line for renewal this year, Comfort had a better price than my current insurer. So thought I'd go with them. When they called back with their "courtesy call", the lady asked me "Are you out of the UK at the moment?". I was and said so*. "Ah then in that case we can't insure you." "No No," I explained "We're just here on holiday, have a permanent UK address that you can see there on your system and you've phoned me on my UK mobile phone. We'll be heading home in a few weeks." "Sorry" she says "Aviva just won't let you start a new policy unless you're physically in the UK when you first set it up." Can't see the logic myself. I suppose it might be to try and exclude permanent expats but it seems a bit extreme to cut out holidaymakers. As it turned out, I then searched further and found a better deal on Caravan Guard anyway, so they probably did me a favour! * Wondering how she knew? I asked her and she said it was the ring tone; not the UK double beep but the single long tone in some countries in Europe.