Annual Multi–Trip Travel Insurance

Annual Multi–Trips

Do you have a number of trips and holidays planned in the next 12 months?

Do you often book your holidays last minute?

Our Annual Multi-Trip travel insurance could save you time and money.

Not only could it save you money, but time as well, you don’t have to book a new travel insurance policy each time you are travelling, so that last-minute city break you decide to take, you already know you're insured.

Annual Multi-Trip Travel Insurance policies are available to Individuals, Couples and Families. You can also extend the cover to include: Winter Sports, Golf, Business and Gadget Cover.

Plus you can add on additional Hazardous Sports & activities to the 25 sports and activities automatically covered

It's perfect if you travel several times during the year and want a policy that will cover any number of trips throughout the year.

With benefits such as:

• Unlimited Number of Trips Per Year - Limited to maximum 45 days per trip.
• Emergency Medical Expenses up to the amount shown in the schedule  -  Cover for emergency medical treatment and additional expenses, repatriation and 24/7 services of a medical assistance company, outside your home country.
• Baggage cover up to the amount shown in the schedule - Cover for items that are usually carried or worn during a trip if they are lost, stolen or damaged. 
• Cancellation &  Curtailment up to the amount shown in the schedule - Cover for any non-refundable unused travel and accommodation costs if you have to cancel or cut short your trip due to certain reasons (see policy wording) 
• Personal Liability up to the amount shown in the schedule - Cover if you are legally liable to pay costs due to an incident caused directly o indirectly by you and that results in injury, death to a person or loss or damage to property.
• Delayed Departure up to the amount shown in the schedule - Cover if your first outward or final inward international departure from and to the UK is delayed for 12 hours or more due to reasons specified in the policy.
• Abandonment up to the amount shown in the schedule - Cover for if you choose to cancel your trip after a delay of 12 hours or more at the outbound journey from the United Kingdom or the Channel Islands
• Missed Departure up to the amount shown in the schedule - Cover for additional travel and accommodation costs if you arrive too late to travel on your booked transport due to reasons specified in the policy.
• Personal Accident up to the amount shown in the schedule - Cover for your accidental bodily injury whilst on your trip that results in your death or loss of limb, loss of sight or permanent total disablement.
• Personal Money up to the amount shown in the schedule - Cover if your cash or money carried on you or left in a safety deposit box is lost, stolen or damaged.
• Loss of Passport up to the amount shown in the schedule - Cover if your passport carried on you or left in a safety deposit box is lost, stolen or damaged
• Hospital Benefit up to the amount shown in the schedule (the amount shown in the schedule for each full 24 hour period) - Cover if you are in a public hospital abroad as an in-patient during your trip
• Legal Protection up to the amount shown in the schedule - Cover if you need to claim compensation due to your death, illness or personal injury.
• Catastrophe up to the amount shown in the schedule - Cover for reasonable additional costs of travel and accommodation if the pre-booked accommodation has been damaged due to a Catastrophe
• Hijack up to the amount shown in the schedule (the amount shown in the schedule for each full 24 hour period) - Cover if you are confined as a result of hijack.
• Pet care up to the amount shown in the schedule (the amount shown in the schedule for each full 12 hour period) - Cover for Kennel/Cattery fees if your arrival in the UK is delayed for 12 hours or more or you are unable to return home due to an illness.
• Business Cover up to the amount shown in the schedule - Cover for Business Equipment and Business Money whilst on your trip.
• Golf Cover up to the amount shown in the schedule - Cover for your golf equipment, loss of green fees, Closure of the golf course whilst on your trip.
• Wedding Cover up to the amount shown in the schedule -Cover for wedding gifts, attire, rings, photographs/video recordings whilst on your trip
• 25 sports & activities - Covered as standard and optional cover for the more hazardous sports and activities, more info:
  • Included Sports & Activities
  • Optional Sports & Activities

What Other Covers Are Available?

• Phones, Tablets & Other Gadgets Extension - Provides Gadget Cover Up to the amount shown in the schedule We will pay up to the amount shown in the schedule for the intrinsic value or cost of repair of your gadgets, including tablet computers and mobile phones, which is lost, stolen, damaged or destroyed whilst you are away on your trip.
• Unauthorised calls if your mobile phone is stolen up to the amount shown in the schedule
• We can cover the following gadgets: Mobile phones, iPhones, iPads, Tablets, Smartwatches and Go Pro’s.
• Please note: There is a single article limit of the amount shown in the schedule. 
• Overseas Return Quarantine -Additional travel insurance cover if you are denied boarding on your return journey due to having or being suspected of having an infectious disease (including COVID-19). 
• Up to the amount shown in the schedule per person per day (up to a maximum of the amount shown in the schedule) towards additional accommodation expenses (of a standard no greater than your original booking).
• Up to the amount shown in the schedule (Europe), the amount shown in the schedule (Worldwide) per person towards the cost of return transport home. (This must be at a standard no greater than the class of transport on your outbound journey, on the same mode of transport and at the earliest possible date based on medical or local authority advice).

• Winter Sports Cover -Extends your policy to provide cover for you when skiing or snowboarding and provides the following additional cover: 

• Winter sports equipment up to the amount shown in the schedule 
• Hired winter sports equipment up to the amount shown in the schedule 
• Ski pack up to the amount shown in the schedule 
• Piste closure up to the amount shown in the schedule 
• Avalanche closure up to the amount shown in the schedule
• Benefits are per person. 
• Winter Sports with Increased Equipment Cover - This option includes our standard winter sports cover with the addition of an increased level of cover for your own winter sports equipment.
• Winter sports equipment up to the amount shown in the schedule (Single Article Limit the amount shown in the schedule)
• Hired winter sports equipment up to the amount shown in the schedule
• Ski pack up to the amount shown in the schedule
• Piste closure up to the amount shown in the schedule
• Avalanche closure up to the amount shown in the schedule
• Benefits are per person.
• Cruise Cover -If your holiday involves a cruise you must purchase this extension to be fully covered.

• Travel Disputes -Extend your travel insurance cover to include legal costs up to the amount shown in the schedule. Designed to cover the pursuit of compensation against your Tour Operator, Holiday Company, Travel Agent, Car Hire Company, Airline, Ferry, Train, Cruise Liner or Coach Company, Hotelier or property owner if they fail to fulfil their contract with you.

• Natural Catastrophe - Provides additional cover for cancellation and additional expenses as a result of a catastrophic natural event, such as: fire, flood, earthquake, storm, lightening, explosion, hurricane or volcanic eruption which is unknown and unforeseen at the time you purchase the insurance or book your holiday, whichever is the latter.
• Cover for cancellation up to the amount shown in the schedule per person
• Provides cover for any part of your outward, onward, return journey or whole trip which is cancelled due to a natural catastrophe.
• Additional expenses to enable you to return home up to the amount shown in the schedule per day (the amount shown in the schedule in total) per person
• Provides cover for reasonable additional accommodation (room only) costs and transport expenses, up to the standard of your original booking, to enable you to return home if the public transport you are booked on is cancelled or delayed due to a natural catastrophe and an alternative is not provided within 24 hours, or in the case of connecting transport, not provided within a time frame that allows you to continue with your original itinerary.
• Missed Connection Cover - Extends your policy to provide cover if you miss your pre-booked connecting Aircraft, Watercraft or Train as a result of the cancellation, or delay of 3 or more hours, on your initial international outward or return journey, due to adverse weather, mechanical breakdown or technical fault.
• The policy provides cover up to the amount shown in the schedule for additional transportation and/or accommodation expenses incurred to enable you to join your connecting Aircraft, Watercraft, Train or Motor vehicle or to get you to your pre-booked final destination.
• Sports and Activities (Hazardous Activities): It is important to make sure that you have travel insurance cover for any sports or activities you intend to take part in whilst you are away. We provide cover for 25 activities as standard; with the option to add more sports and activities.

WHY CHOOSE COVER4INSURANCE?

Instant Cover: Online purchasing means you can get cover instantly. (Please note cover cannot be purchased if you have already departed the UK).

Full Refund Guarantee: If after reading your policy you decide the terms of the insurance do not meet your requirements you will have 14 days to cancel it, starting on the day you receive your documentation. Provided that a claim does not exist and that travel has not taken place.

Tailor your cover: We offer options to extend your cover to include: laptop cover and additional hazardous sports & activities supplementary to the 25 sports and activities automatically covered.

Secure Online Purchase: The security of your personal and financial details is of paramount importance to us and as such, we use the strongest available security system to protect your personal information.