To me it reads like travel insurance that you pay for, its an annual insurance that covers you for home and abroad, multitrip, that A&L gave us when we moved our bank account to them.
Was very unsure about it last year but I read and compared with what we had paid for and we used it this year.
I would think any Alliance & Leicester branch would have details too long to put on here!!!
Have a look on web site ther may e something there