Yep, that’s it. At the moment (for me) it’s holidays (Birthdays), Christmas, annual subscriptions (AA, Office 365), car tax, service & maintenance, and other loose bits (e.g. garden). It would be nice to add car insurance, but I manage to get a good enough monthly deal so far.
Also, for example: Line Rental from BT is reduced if paid up front, but will always increase every year. So you need to account for the increase ahead of time.
Basically anything that happens yearly or roughly so.