You take out single trip cover when you have decided to go on a holiday and what dates. The cover runs from the day you take out the policy to the end date of the holiday.
With annual cover, you can decide when the policy starts. The usual reason for this is that you may already have a policy in place with another provider and don’t want your new policy to start until that ends.
Never argue with stupid people, they will drag you down to their level and then beat you with experience. – Mark Twain