Annual Multi-trip insurance
From £43 per year.
The price is based on a single person travelling to Europe, excluding add ons.
We’re proud of the Defaqto 5 star ratings awarded to our
Annual Multi-trip travel cover.
What's not included?
See full list of what's not included
Enhance your Annual Multi-trip cover
Add insurance for personal belongings or winter sports for an extra cost.
This optional extra insures your bags and their contents while travelling. It can be added to your Annual Multi-trip cover or Single Trip cover during your quote for an additional cost. It comes as standard with Backpacker cover.
Up to £1,500 for items that are lost, stolen or damaged.
Up to £300 for a single item.
Up to £300 in total for valuables such as cameras and jewellery.
Up to £100 in total for consumable items such as tobacco or food and drink.
If you go on a winter sports holiday, you can cover your skiing and snowboard gear for theft and damage by adding our winter sports cover to your travel insurance. This will also cover you against injuries and piste closures.
This optional extra can be added to either your Annual Multi‐trip travel insurance for 22 days, or your Single Trip travel insurance for the length of your trip (limited to a maximum of 90 days, or 42 days if aged 59 or over).
Up to £500 per person for ski equipment.
Up to £300 per person for replacement equipment hire (£25 per day).
Up to £250 per person for unused equipment hire, ski passes and ski school tuition fees.
Up to £200 per person for piste closure (£20 per day).
Other travel insurance cover options
Single Trip Cover
Perfect for a one-off trip lasting up to 90 days
anywhere in the world.
Cover is available up to 42 days if you're aged 60 or over.
The ideal cover for backpackers, gap years and round‐
the‐world trips lasting 3 to 18 months.
q1I have a medical condition, which I take medication for - do I need to tell you about this?
Yes you do. And due to the extra questions we may need to ask you about your medical condition, please give us a call on 0345 246 8704 for a full quote.
q2What's my personal belongings cover?
The personal possessions limit is £1500 per insured person, the single article limit is £300 and the valuables limit is £300 in total. Remember, if you have a Discoverer policy, the personal possessions limit is £1000 per insured person, up to £300 for single articles and up to £300 for valuables. There are limits in the personal possessions and valuable sections that may not be enough for expensive items such as jewellery and photographic or video equipment. However, you can usually insure these items separately under the ‘All Risks’ extension of your home insurance.
q3Will my travel insurance cover me in the event of a no-deal Brexit?
Yes, if you booked trips or bought travel insurance before any disruption was known about.
In those circumstances, our policies will continue to provide cover for emergency medical expenses in the event of a no-deal Brexit. This includes emergency treatment in state hospitals in European countries which would have previously been covered by the EHIC (European Health Insurance Card).
If your travel is disrupted in the immediate aftermath of a no-deal Brexit, Travel Delay and Trip Abandonment cover will also apply as per the current terms and conditions. Look to your travel provider in the first instance to provide refunds and/or alternative travel arrangements.
As there is the potential for disruption, please plan accordingly. We advise customers to:
Allow plenty of time to get to and travel through airports or ports.*
Ensure that any travel documentation such as passports have adequate time remaining on them. You should have at least six months left on your passport from your date of arrival. This applies to both adult and child passports.*
Remember to buy travel insurance as soon as you book your trip.
You won’t be covered if you’re aware of travel disruptions or risks to your arrangements when you book the trip or buy insurance*
Travel insurance covers emergency medical expenses and any required medical repatriation/curtailment, but does not replace the EHIC on a like-for-like basis in relation to foreseen, maintenance treatment (i.e. ongoing kidney dialysis).
q4Can you offer travel insurance for someone with a pre-existing medical condition?
Yes we can but due to the extra questions we may need to ask you about your medical condition, please give us a call on 0345 246 8704 for a full quote.
q5If I arrange my travel policy online will my medical condition be automatically covered?
We're sorry but your medical condition won't be covered automatically. It's better to give us a call on 0345 246 8704 to discuss your options.