TI Policy 2017; Single / Annual "CHOICE" Recommend?

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About to renew annual policy with TID....shock at new cost.. even with 5% returning discount, gone up about $300. Can't see any better coupon codes and wondering what others may be choosing....
Have been with TID about 6 years and am familiar with product, but never like paying too much !!!!!
Any thoughts appreciated.
 
Have just searched Columbus TI as referred to up-thread and is a couple of hundred cheaper..so just phoning to ask how they handle travel with points in event of claims etc....
 
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