Just wondering if any long stayers have fallen into the same trap as I did.
Arranged my insurance on an annual worldwide multitrip policy last year and thought that I had covered all bases.
Gave up to date details of medical conditions etc.
But when shopping around for replacement for this years I noticed a clause limiting my holidays to a max of 31 days.
Sure enough when I checked back on last years the same clause was there.
It also says that if you overstay the agreed limit you are not covered for ANY of the days away.

Worth remembering that similar usually applies to home insurance and house being unoccupied for extended travels.
its essential to read ALL the small print !