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Great value travel insurance from your co-op travel.

We have worked hard to ensure that Your Co-op Travel Insurance offers the cover you require,  so all you have to think about is what to pack!

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Annual Multi-trip Travel Insurance

We know how much you like to go on holiday, so make Your Co-Op Travel Annual Multi-trip Travel Insurance your holiday essential.

If you travel more than a couple of times a year, whether it’s a two week all-inclusive holiday, or perhaps the odd weekend away in the UK* or overseas, then a Your Co-op Travel Annual Travel insurance policy could save you pounds!

The best thing about our Annual Multi-trip Travel insurance is that you are not limited to the number of trips that you can take throughout the year.

Your Co-Op Travel annual travel insurance includes:

• Cancellation and Curtailment (Up to £5,000)
• Medical Expenses (Up to £5,000,000)
• Personal Possessions (Up to £1,500)
• Winter Sport & Cruise Cover can be added for an additional premium on our Economy and Premier levels of cover. 
• Winter Sports, Cruise Cover, Golf Cover, Wedding Cover, Business Cover Included free on our Super Cover
• Gadget Cover (Up to £3,000)

Should the worst happen whilst you are away and there is an emergency, then Your Co-op Travel Insurance provides you with a  24hr emergency helpline  for you to contact.

If you’re taking the family, children under 2 will be insured completely free of charge.

As with our other policies, lots of activities are covered as standard on the policy including Snorkelling, Water-Skiing, Cycling, Golf, Fishing, and lots more. For a full list of activities covered under this policy please refer to the Policy Wording .

Make sure you are covered for the whole year now!

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Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited. The Midcounties Co-operative Limited is an Appointed Representative of Rock Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (FCA No. 300317).

Inter Partner Assistance S.A. UK Branch is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487, with a registered head office at 7 Boulevard du Régent, 1000 Brussels. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Inter Partner Assistance S.A. is registered in England with its registered address at 106-118 Station Road, Redhill, RH1 1PR (UK branch registration number: BR000947). Inter Partner Assistance S.A. has a share capital of EUR 130,702,613.

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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

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Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

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Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

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For a lot of people, buying car insurance is like buying sliced bread. It’s not the most exciting purchase, and the options all seem similar. So thrifty shoppers might simply reach for the cheapest thing on the shelf. But like cheap bread, cheap car insurance may leave you wishing you spent a little more on quality.

“The cheapest is not always the best,” warns Jessica McNally, an agency owner with Goosehead Insurance in Dallas. That’s because there are lots of factors that make up a car insurance company. And while price is one of them, it’s best to look at the bigger picture.

Here’s what to look for when picking the best car insurance company.

1. Choose a financially stable company

The best car insurance companies have plenty of money on hand to pay for customers’ claims. It’s important to check an insurer’s financial stability before buying a policy, especially if it’s a smaller insurer you’ve never heard of.

There are several independent agencies that evaluate the financial strength of insurance companies. One example is A.M. Best. You can use its online search tool to find an insurer’s financial strength rating. Companies with a rating of A or higher are considered to have an excellent ability to pay out customer claims.

2. Check customer satisfaction ratings and reviews

Not every insurer is customer-first. That’s why it’s important to research the customer satisfaction of insurers you’re considering.

You can turn to surveys from companies like J.D. Power to find insurers with the best customer satisfaction scores [0] J.D. Power . Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds . Accessed May 21, 2024. View all sources . Or, if you don’t mind doing a little detective work, you can compare customer complaints against insurers by using the National Association of Insurance Commissioners’ website . But take other people’s emotionally charged comments about companies or agents you might read online with a grain of salt, McNally advises.

3. Look for convenience

A great auto insurer should offer multiple ways to manage a policy. For example, some insurers allow customers to use a mobile app to file and track claims. But it’s hard to tell how simple it’ll be to file a claim or perform other essential tasks, like paying your premium, before becoming a customer.

Some telltale signs that an insurer will be easy to work with are high mobile app ratings, flexible customer service hours and an easy-to-use website with helpful content. Consider asking a company representative to walk you through the claims process to learn what you’ll need to do if you have to file a claim. And pay attention to how the company communicates with you. "If they don't properly communicate, well, that's a warning sign," says Michael DeLong, a research and advocacy associate for the nonprofit Consumer Federation of America.

4. Pick an affordable company

Car insurance premiums are stretching to record-breaking heights [0] U.S. BUREAU OF LABOR STATISTICS . Consumer Price Index for All Urban Consumers (CPI-U) . Accessed May 21, 2024. View all sources , and almost half of U.S. consumers shopped for a new car insurance policy in the past year, according to an April 2024 report by J.D. Power [0] J.D. Power . Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds . Accessed May 21, 2024. View all sources . The best car insurance companies offer competitive rates and a variety of potential discounts.

It’s not hard to get car insurance quotes online from many companies. Make sure you compare the same coverage options throughout the quote-gathering process. And don’t forget to look for car insurance discounts, like breaks for being a good driver, paying your premium in full or driving a new car.

More tips to find the best car insurance

When shopping for the best car insurance, keep the following tips in mind.

Assess your needs. Before buying car insurance, take a moment to reflect on what’s important to you and your family. For example, maybe you prioritize affordability and a well-polished mobile app, but don’t need accident forgiveness .  

Consider small insurers. There are lots of small insurance companies you’ve probably never heard of. These regional insurers may provide lower rates and better customer service than the big companies you see advertised on TV.

Work with an independent agent. While it may be easy to get quotes yourself, independent car insurance agents and brokers can streamline the process. These experts vet companies and compile quotes from small and large insurers on your behalf. Independent agents and brokers can especially come in handy if you have a less-than-perfect driving record and can’t find insurance on your own.

Do your research. Search online for recent mentions of a company in the news before buying a policy, recommends DeLong. If you find a company has lots of recent lawsuits against it, you may want to think twice about signing on the dotted line. “And if they've had to pay out settlements, that's an even bigger red flag,” DeLong says.

Shop around once a year. Make a practice of shopping for car insurance every year — especially if price is important to you. Insurers adjust car insurance rates regularly, so what might have been the most affordable option last year may no longer be a bargain.

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Top Travel Insurances For Russia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The world's largest country, Russia is known for its history and cultural heritage, with landmarks such as the Red Square, St. Petersburg, and the Hermitage Museum. Although travelling to Russia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Russia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Russia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Russia:

Best Travel Insurances for Russia

• 01. Do I need travel insurance for Russia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Russia scroll down

Heading to Russia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Russia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Russia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Russia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Russia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Russia, no matter whether you're planning to ice skate in Gorky Park in the winter or sunbathe in Sochi in the summer.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Russia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Russia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Russia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Russia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Russia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Russia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Russia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Russia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

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Election latest: Tory minister defiant over election - and wants a former PM to campaign

The Liberal Democrats have kicked off a vital stage of the election campaign by launching their manifesto to "save the NHS". Reform UK haven't gone that far yet, but are seeking to explain their tax-cutting plans. Meanwhile, a Tory minister wants Boris Johnson back on the campaign trail.

Monday 10 June 2024 23:50, UK

• General Election 2024

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Election news

• Lib Dems launch manifesto to 'save the NHS'
• Bulletin: What you need to know from the campaign trail
• Pledges include free social care, bereavement support for parents, tackling river sewage, and 'fixing' ties with EU - Ed Conway looks at how much it would cost
• Home secretary wants Johnson on campaign trail
• Minister condemns Reform candidate's 'shameful' post
• Sunak 'not thought about quitting' despite D-Day fallout
• Battle For No 10: PM and Starmer taking part in Sky News special
• Live reporting by Jennifer Scott and (earlier)  Tim Baker

Expert analysis

• Gurpreet Narwan: Echoes of Truss in Reform's economic plans
• Tamara Cohen: Labour takes on enormous childcare challenge
• Sky News Daily: Do the Lib Dem manifesto's sums add up?

Election essentials

• Manifesto checker: Lib Dems
• Campaign Heritage: Memorable moments from elections gone by
• Trackers: Who's leading polls? | Is PM keeping promises?
• Follow Sky's politics podcasts: Electoral Dysfunction | Politics At Jack And Sam's
• Read more: Who is standing down? | Key seats to watch | How to register to vote | What counts as voter ID? | Check if your constituency is changing | Your essential guide to election lingo | Sky's election night plans

We are going to pause coverage now so we can all get some shut eye before another busy day.

Remember to join us in the morning ahead of the Conservatives' manifesto launch, where we will bring you all the news and analysis first. 

And our correspondents will be out on the road, getting the reaction of all the rival parties in another busy day of campaigning. 

For now though, sweet dreams! 

The Conservatives will put their offer to pensioners at the heart of their election manifesto when it is published on Tuesday.

The document will reiterate already-announced pledges to introduce the so-called  "triple lock plus" for pensioners  - which will create a new "age-related" tax-free allowance - as well as promises not to increase major taxes.

Its publication follows a torrid for days for the prime minister, who has been forced to  quash rumours he considered resigning  over the backlash he received over his early departure from the D-Day commemorations last week.

In an attempt to get back on the front foot, Mr Sunak will stress that as the "party of Margaret Thatcher and Nigel Lawson" the Tories believe in "sound money" and will ensure "we have lower welfare so we can lower taxes".

Read more ahead of the launch from our political reporter Alexandra Rogers below:

After launching his party's general election manifesto, Sir Ed Davey jumped on a rollercoaster and rode on a big swing.

His aim? To show the  Liberal Democrats  are on a rollercoaster ride to gaining seats, with a big swing to the party from the Tories.

Sir Ed's  visit to Thorpe Park , in Surrey, was just the latest in a gallery of wacky and often silly election stunts and photo-ops that have gained him priceless publicity.

In this election campaign he's confirmed his status as the king of the photo-ops. Remind you of anyone? Yes, he's snatched that title from Boris Johnson.

Read more from Jon below:

Welcome to our final rundown for today of the main things you need to know from the campaign trail.

We've had a manifesto launch, a Reform policy event, and seen a grilling of the prime minister, amongst other things.

So, if you are settling down with your cocoa before bed, here's what you need to know before you start counting sheep:

• The Liberal Democrats have launched the first manifesto of the election , vowing to "save the NHS";
• Leader Sir Ed Davey said  fixing social care would be key, while other pledges included stopping raw sewage being dumped into Britain's waterways and improving ties with the EU ;
• But the party leader (who enjoyed a trip to Thorpe Park this afternoon) refused to say austerity - enforced by the Tory-Lib Dem coalition - was a mistake during an interview with our deputy political editor Sam Coates ;
• You can flick through the party's manifesto pledges in our snazzy tool below: 
• Rishi Sunak continued to bat away questions over his early exit from D-Day commemorations last week, insisting rumours he considered quitting over the row were untrue;
• However, another significant figure from the Conservatives, Scottish leader Douglas Ross , did quit following a furore about his candidacy at the election;
• Home Secretary James Cleverly admitted he had heard some "concerns" on the campaign trail about his party's performance, but insisted he remained positive about the Tories' chances at the ballot box;
• And the PM faced a 30-minute grilling from the BBC over tax, immigration and the NHS .
• Reform's tax-cutting agenda has been outlined by the party leadership today, with ambitions to raise the threshold for paying income tax to £20,000  and the point at which small business pay VAT from £90,000 to £150,000 ;
• This so-called "great British tax cut" would be funded by overhauling the Bank of England, though it's seen Reform accused of pursuing a strategy of "Trussonomics on steroids" ;
• Nigel Farage also used the event to double down on his criticism of the prime minister for leaving last week's D-Day commemorations;
• But his party came in for some extra scrutiny today after it was revealed one of Reform's candidates had said Britain should have "taken Hitler up on his offer of neutrality" instead of fighting the Nazis in an old social media post. 
• Elsewhere, Labour announced it will honour the government's commitment to expand free childcare;
• Our political correspondent Tamara Cohen says the party has taken on an "enormous challenge" by pledging to take up the policy, which the government has faced serious trouble implementing;
• Labour has also said it will offer 100,000 new nursery places, and claimed the Tories' spending pledges "do not add up";
• And in a late announcement tonight, the party pledged to ban the sale of high caffeine energy drinks to under 16s.

That's all your bulletins for this evening, but we'll have a few more bits of news coming your way so do stay with us. 

Labour has made a late policy announcement tonight, promising to ban high caffeine energy drinks for under 16-year-olds.

Sky News' political correspondent Tamara Cohen first reported the party were considering the move in February.

But now Labour has officially adopted the idea, saying it will apply to all drinks containing over 150mg of caffeine per litre.

Making the announcement, Sir Keir Starmer said: "The sale of dangerously high caffeine energy drinks to children under the age of 16 is not justifiable or acceptable and we'll stop it. I will always take the tough decisions necessary to keep our children healthy. 

"No more dither and delay, the time has come for change with Labour."

By Jenness Mitchell , Scotland reporter

First Minister John Swinney has said he is "not surprised" Scottish Tory leader Douglas Ross has announced he is stepping down. 

Speaking to Sky News at Pollok United's after-school activity club in Glasgow, the SNP leader said his rival's position was "beyond credibility" - having replaced David Duguid as a candidate, despite Mr Duguid wanting to campaign.

"He's treated David Duguid absolutely abominably," added Mr Swinney. 

"David is ill. He's a respected member of parliament. Everybody accepts the fact he's not well, and he was selected by his local association. 

"But that's not good enough for Douglas Ross. I think it's just an absolutely appalling way to behave towards a colleague."

If re-elected to Westminster as an MP, Mr Ross has pledged to resign as an MSP. 

But Mr Swinney said "picking and choosing" parliamentary representation "trivialises it". 

He added: "Representing our community in parliament is a deadly serious responsibility. Not one that you just pick and choose about."

Sticking with his BBC interview, Rishi Sunak is pressed on the NHS and, after a lot of pushing, admits it had "undeniably been under pressure for a while" before any strikes or the pandemic.

But he insists his government is now bringing down waiting lists and putting in "record" funding.

'Airfield on standby' for Rwanda flights

On immigration, the prime minister is pushed on the rise in small boats crossing the Channel this year.

He insists Rwanda flights will take off after the election if the Tories win, saying: "We've got a plan, the airfield is on standby, the planes are booked, migrants have been detained, the caseworkers are working."

PM teases tax cuts

And ahead of the party's manifesto launch tomorrow, Mr Sunak reveals there will be more tax cuts - though he is challenged over frozen tax thresholds - saying: "I believe in a country where people's hard work is rewarded and there's a clear choice and contrast at this election."

'It's got harder to buy a first home'

But he repeats his much maligned figure of Labour introducing £2,000 of taxes per family over the next parliament - despite multiple experts and the chief civil servant at the Treasury saying it is wrong. 

Finally, the interview comes to housing, and the prime minister appears to accept it is harder to buy a first home under the Conservatives, saying: "It has got harder, and I want to make sure that it's easier."

Rishi Sunak is sitting down for his first long interview of the election campaign with the BBC's Nick Robinson.

And perhaps unsurprisingly, one of the first things brought up is D-Day - namely his decision to leave commemorations early. 

"The last thing that I wanted to do was cause anyone any hurt or offence or upset, which is why I apologised unreservedly for the mistake that I made," he says. 

"And I can only ask that I hope people can find it within their hearts to forgive me."

The prime minister is asked about one of his political rivals, Nigel Farage, who has been accused of "dog whistle" politics after claiming the PM does not understand "our culture" following his early exit.

"I'm not going to get involved in that, because I don't think it's good for our country or good for our politics," the PM says.

"Now, obviously, I disagree with him. And when it comes specifically to our armed forces, again, people can judge me by my actions."

Until voters go to the polls on 4 July, the Politics Hub will be looking back at some memorable moments from previous general election campaigns.

Never mind his slightly sloppy bacon sandwich eating technique, it was the entirely deliberate decision to unveil Labour's 2015 election pledges inscribed on an enormous slab of limestone that really got voters wondering what Ed Miliband was up to that year.

The then party leader thought the stunt, known as the Ed Stone, would persuade the public he was serious about delivering on his promises.

They included "a strong economic foundation", "controls on immigration", and "homes to buy and action on rents" (these sound familiar, no?).

Worse still, Labour even committed to putting it up in the Downing Street garden should they win power.

But it was immediately ridiculed upon its unveiling in Hastings, and the party ended up performing so disappointingly at the election that the now shadow energy secretary resigned as leader.

Sir Keir Starmer was probably right to stick to a pledge card this time.

Previous entry: Bigotgate

To round off the show, we are talking about the freshest election on the block - the one over in the European Union.

Sophy Ridge  asks our panellists what they think of the success of parties on the far right in the parliamentary polls - notably France, where the results saw President Emmanuel Macron call a snap election.

Former Green Party leader  Caroline Lucas says she is "deeply concerned" about the "wave" of this sort of politics in the US, Europe and at home - accusing Nigel Farage of falling into that category. 

And she says it is a "real threat that we ignore at our peril".

'Easy to be an armchair critic'

Sophy asks ex-Tory party communications director  Giles Kenningham  whether there is any mirroring of what is happening in the EU with Reform UK - Mr Farage's party.

He says there are a lot of people "lobbing bricks from the side lines" as it is "very easy to be an armchair critic".

But he questions what the party leader would do in power, and says French President Emmanuel Macron would pose the same question if his right-wing rival wins, saying "politics is not all milk and honey".

That concludes our coverage of tonight's Politics Hub With Sophy Ridge , but stick with us for more news and analysis throughout the evening.

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