Going back many years, whenever we've had holidays abroad - generally for no longer than two weeks - we've always taken out travel insurance as a matter of course (and, as it happens, never had to claim on it). Now we're retired and having a small holiday home in France, for the first time we plan to spend the summer there, around four months. It strikes me that travel insurance for two of us for that length of time would be rather expensive, particularly for me as the wrinklier one. We're both in pretty good health right now and we have E111s but I wonder what other people would do in the circumstances, insure or don't bother? Any thoughts, advice or experience would be much appreciated.