The other type of insurance that is quite common is a permanent travel insurance policy (doorlopende reisverzekering), which covers damages whenever you travel. (Please check whether your specific policy includes coverage for winter sports and all the countries you would like to visit; since some policies specify exclusions in the fine print.) Due to more and more frequent travel, this form of insurance is increasingly popular. In general, it is cheaper and involves less paperwork if you have a permanent travel insurance policy, instead of arranging a separate policy for each trip. If you travel a lot, it is a good idea to take out this type of insurance.