Annual Travel Insurance

If you usually take more than one holiday a year it would probably be more cost effective to take out an Annual Multi Trip policy instead of taking out separate policies for each trip. An Annual policy would give you the freedom to travel as many times as you wish within a 12 month period. So if you decided, on the spur of the moment, to spend the week in Paris you could do so without having to worry about your insurance. You would also be covered on the policy if you pre-booked a break of at least two nights in this country, so you could spend a weekend in your favourite city or in the country and still have the reassurance that your policy would come into force if something went wrong. If you book an Annual policy you need to specify a start date and this needs to be the date that you want your cancellation cover to start. So if you already have any trips booked and paid for you would need to start the policy the day that you purchase it. This would allow the cancellation cover to come into force should any ill health prevent you from travelling. As with a single trip, you need to be a UK resident in order to take out a policy and you must remember that each trip you take within the year has to start and end in this country.

You can choose to have cover for the year to travel just within Europe, but if you do travel further afield you would need to take the Worldwide option which will cover you to travel anywhere in the world including the United States. If you purchase European cover and then decide that you want to travel Worldwide you can upgrade your policy to include this. All it takes is a telephone call to us and you would just pay the price difference between the two policies. You can adapt our policy to suit your requirements and take out cover just for yourself, as a couple or a family unit. If you opt for the couple or family policy the adults can travel independently, but children on a family policy have to travel with one of the insured adults. The standard number of days you can take out of the country on any single trip is 21, but if you are going to take an extended holiday you have the option to increase the number of days away at one time to 31 or 45.

When you take one of our annual policies you can decide whether or not to include cover for loss or damage to your personal belongings. For a policy including baggage cover you would be reimbursed if any of your belongings are lost, stolen or damaged. It would also cover you in the event of any personal money or your passport being stolen. In order to make sure your possessions are fully covered it is advisable to get adequate cover for any valuable items. Our standard policy only covers you for a single item limit of £250, so if you are taking items such as a digital camera or expensive jewellery you may wish to contact your house insurance provider. Many all risk policies now cover you for this and they normally have a higher limit on the amount you can claim for. Again, once you have requested a quotation you can add or delete the baggage cover.

Many people like to include a Winter Sports holiday into their travel year and with an annual multi trip policy you can arrange to be covered for this. It would enable you to ski or snowboard knowing that in the event of an accident on the slopes you would be able to be taken down off the mountain to safety. All on-piste skiing is covered as standard and you can ski off-piste in certain circumstances. As long as you are skiing within a recognised resort off-piste is covered, you can ski off-piste outside the resort but only in the company of a recognised guide. You are also covered for the loss or damage of any ski equipment that belongs to you. Hired ski equipment is covered by the people you rent from. If you have pre-booked you ski pack this will also be covered under the terms of the policy. If it does not snow or if the piste is closed for other reasons or if there is an avalanche you would also be covered under this policy.

If you are planning to combine a holiday with a golf trip, you will be pleased to know that you can increase your cover to include this.

Your golf clubs will be insured against any damage that may arise either whilst playing or when the clubs are in transit. If you are taken ill and cannot play golf you will be reimbursed for the cost of your green fees.