Annual Multi Trip Policy
If you travel several times a year, it would be worth investigating Annual Multi Trip cover. These policies will cover you for a 12 month period for a set price which allows multiple trips of up to 31 days individual duration (can be extended to 62 days if required). If you plan to take a longer trip, these policies are not suitable, you will require our Long Stay Single Trip policy for journeys of over 62 days.
You can buy Annual Multi Trip policies as an individual, or for a couple or family. Significantly discounted annual prices are available to couples and families. The levels of cover ensure peace of mind and protection for you and your family.
The Navigator policy covers a good range of sports and activities and gives the opportunity to upgrade to include cover for the more extreme activities, such as skydiving, high altitude trekking and sports such as rugby and polo.
Annual policies will cover up to 17 days wintersports free of charge, in the 12 month period of cover. Maximum age of 65 applies.
- Cost table
- Summary of cover
- Geographical limits
- Hints & tips
- Medical conditions
- Sports & Adventure
| Annual Multi-trip travel insurance - Voyager policy For trips not exceeding 45 days. Cover for a total of 183 days within the 12 month period. |
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| Europe only | Ages up to 64 years | Ages 65-69 years | Worldwide | Ages up to 64 years | Ages 65-69 years | |
| Adult | £36.98 | £73.98 | Adult | £66.15 | £132.30 | |
| Couple | £56.40 | £112.80 | Couple | £99.77 | £199.55 | |
| Family | £73.43 | £146.84 | Family | £131.35 | £262.72 | |
| Annual Multi-trip travel insurance - Navigator policy For trips up to 31 days (up to 62 days - plus 50%) |
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| Europe only | Ages up to 65 years | Worldwide | Ages up to 65 years | |
| Adult | £41.38 | Adult | £68.13 | |
| Couple | £78.62 | Couple | £129.33 | |
| Family | £91.05 | Family | £149.74 | |
The Navigator policy can be upgraded to include cover for a wide range of hazardous sports.
Please see "Summary of cover" for details of cover provided.
- "Couple" is deemed to include non-married couples living in a permanent relationship at the same address
- "Family" means up to 2 adults and all their dependent children under 18 years can travel separately
- Wintersports: Cover is provided for a single trip of up to 21 days for Voyager and 17 days for Navigator policies
Annual Multi-Trip policies should be commenced on the day of purchase, if cancellation cover is required for a pre-booked trip. If cover is not started until the first booked departure that trip is NOT covered against cancellation. This condition applies only to Annual Multi-Trip policies.
Rates include Insurance Premium Tax at 17.5%
| Description of cover | Navigator - per adult | Voyager - per adult | Excess |
| Medical expenses | £10,000,000 | £10,000,000 | £75/£50 |
| Personal liability | £2,000,000 | £2,000,000 | £100 |
| Personal accident | £25,000 | £30,000 | nil |
| Cancellation & curtailment | £3,000 | £5,000 | £50 |
| Baggage | £1,500 | £2,000 | £50 |
| Single item limit | £200 | £250 | £50 |
| Valuables limit | £200 | £500 | £50 |
| Emergency purchases | £150 | £200 | £50 |
| Personal money & documents | £500 (only £200 cash covered) |
£500 (only £250 cash covered) |
£50 |
| Loss of passport | £200 | £500 | nil |
| Travel delay | £300 | £200 | nil |
| Missed departure | £1,000 | £1,000 | £50 |
| Hospital benefit (per day) | £1,000 (£25) | £1,000 (£20) | nil |
| Legal expenses | £25,000 | £20,000 | £100 |
| Resumption of trip | £500 | n/a | £50 |
| Hijack | £500 | n/a | nil |
| Catastrophe | £1,000 | n/a | nil |
Important Note
We cannot cover you to travel to any country against UK Foreign Office advice.
A list of such countries appears on the Foreign Office website and is updated frequently.
Please refer to this site for the current situation.
the European/ Mediterranean area as defined or for Worldwide travel.
Please note that countries such as Morocco, Israel, Egypt, Tunisia and Turkey are covered under the European policy, as they have a Mediterranean coastline.
The Canary Islands and Madeira are also covered by the European policy. If any of your trips are outside of this region, you will need a Worldwide policy.
switch over after purchase. Voyager has lower rates, higher cover, but is not for the adventurous, as it covers
relatively few sports and activities. 45 day maximum trip duration. Navigator policy has good cover for sports,
though sometimes at a supplement, and can be extended to cover trips up to 62 days duration.
Annual Multi Trip policies are inactive until the start date that is put on them. If you require cancellation cover for a pre-booked trip, start the policy immediately. Single trip policies give cancellation cover from the date the policy is issued until the departure date, but Annual Multi Trip policies only give cancellation cover from the start date, so should not be post dated.
Annual Multi Trip policies do not cover one way journeys.
There is an excess waiver option on Voyager Annual Multi Trip policies
You will often need to go through the medical screening process to get specific confirmation that your condition
can be covered.
For Navigator policies call 0871 208 4614 quoting WHIIL/VOY/NAV/2009
For Voyager policies call 0845 055 9923 quoting Voyager Webroker policy
You will be asked a few questions and advised if your condition can be covered and whether there are additional costs or conditions imposed.. They will quote you a medical reference number, which will be asked for when buying cover.
However some require either a 25% or 50% supplement to be paid.
The Voyager policies are not ideal for adventurous travellers, as they only cover a limited range of sports and activities, though motorcycle touring is covered on both Navigator and Voyager policies, with no restrictions on the cc of the bike, as long as a full UK license is held and crash helmets worn. Personal Liability cover is excluded for claims arising from driving or riding motor vehicles or riding animals.
| Plus 25% | Plus 50% | |||
| Activity | Voyager | Navigator | Navigator Action | Navigator Action Plus |
| Abseiling (with professional organisers) | Y | Y | ||
| Adventure Racing | Y | |||
| Alpine mountain biking | Y | |||
| American Football | Y | |||
| Angling | Y | Y | ||
| Archery | Y | Y | ||
| Amateur Athletics | Y | |||
| Badminton | Y | |||
| Ballooning - Hot Air | Y | Y | ||
| Bamboo Rafting | Y | |||
| Banana Boating | Y | Y | ||
| Baseball | Y | Y | ||
| Basketball | Y | Y | ||
| Biathlon | Y | |||
| Bigfoot Skiing extra cost | Y | |||
| Big Game Hunting | Y | |||
| Black Water Rafting | Y | |||
| Boardsailing / Windsurfing | Y | Y | ||
| Bouldering | Y | |||
| Bowling | Y | Y | ||
| Bowls | Y | Y | ||
| Bridge Swinging | Y | |||
| Bungee Jumping (UP TO 3 JUMPS) | Y | Y | ||
| Camel Riding | Y | Y | ||
| Canoeing (River - Not White Water) | Y | Y | ||
| Canyoning (with professional organisers) | Y | |||
| Catamaran Sailing | Y | |||
| Cat Skiing/Boarding extra cost | Y | |||
| Caving | Y | |||
| Cave Tubbing/Tubing | Y | |||
| Clay Pigeon Shooting | Y | |||
| Climbing (indoor) | Y | |||
| Climbing (Up to 4,000 metres with the use of guides and ropes) | Y | |||
| Cricket | Y | Y | ||
| Cross Country Running | Y | Y | ||
| Cross Country Skiing extra cost | Y | |||
| Curling | Y | |||
| Cycle Racing | Y | |||
| Cycling | Y | Y | ||
| Cyclo-Cross | Y | |||
| Deep Sea Fishing | Y | Y | ||
| Dinghy Sailing (No Liability Cover) | Y | Y | ||
| Dry Slope Skiing/Boarding | Y | |||
| Diving (High Diving) | Y | |||
| Diving (Scuba)(Up to 30m depth if qualified or with an instructor) | Y | Y | ||
| Diving (Scuba)(30m - 50m depth if qualified or with an instructor) | Y | |||
| Dog Sledding | Y | |||
| Elephant Trekking | Y | |||
| Endurance Tests | Y | |||
| Equestrian Events | Y | |||
| Fell Running | Y | |||
| Fell Walking | Y | Y | ||
| Fencing | Y | |||
| Fishing | Y | Y | ||
| Fives | Y | |||
| Flying (in light aircraft) | Y | |||
| Football / Soccer | Y | |||
| Football - American | Y | |||
| Gaelic Football | Y | |||
| Glacier Skiing "Winter Sport" extra cost | Y | |||
| Glacier Walking "Winter Sport" extra cost | Y | Y | ||
| Gliding | Y | |||
| Go-Karting | Y | |||
| Golf | Y | Y | ||
| Gymnastics | Y | |||
| Handball | Y | Y | ||
| Hang Gliding | Y | |||
| Harness Racing | Y | |||
| Heli-skiing "Winter Sport" extra cost | Y | |||
| Hiking (4000m to 6000m) | Y | |||
| Hiking (below 4000m) | Y | Y | ||
| Hockey | Y | |||
| Horse Riding | Y | Y | ||
| Hot Air Ballooning | Y | |||
| Hurling | Y | |||
| Ice Hockey "Winter Sport" extra cost | Y | |||
| Ice Skating (excluding Speed Skating) | Y | |||
| Jet Boating | Y | |||
| Jet Skiing | Y | Y | ||
| Judo | Y | |||
| Karate | Y | |||
| Kayaking (up to grade 4 rivers only) | Y | |||
| Kendo | Y | |||
| Kite Snowboarding "Winter Sport" extra cost | Y | |||
| Kite Surfing | Y | |||
| Lacrosse | Y | |||
| Langlauf "Winter Sport" extra cost | Y | |||
| Marathon Running | Y | Y | ||
| Martial Arts | Y | |||
| Micro-Lighting | Y | |||
| Modern Pentathlon | Y | |||
| Mono Skiing extra cost | Y | |||
| Motor Cycling | Y | |||
| Mountain Biking (recreational) | Y | Y | ||
| Netball | Y | Y | ||
| Off Piste Skiing (within local ski patrol guidelines) "Winter Sport" extra cost | Y | |||
| Orienteering | Y | Y | ||
| Paintballing (wearing eye protection / no liability cover) | Y | |||
| Parachute Jumping (static line) | Y | |||
| Parachute Jumping (tandem) | Y | |||
| Paragliding | Y | |||
| Parascending (supervised or with an instructor) | Y | Y | ||
| Parascending (supervised, over water) | Y | |||
| Parascending (over land) | Y | |||
| Pistol Shooting | Y | |||
| Polo | Y | |||
| Pony Trekking | Y | |||
| Quad Biking | Y | |||
| Racketball | Y | Y | ||
| Rackets | Y | Y | ||
| Rambling | Y | Y | ||
| Rap Jumping (with professional organisers) | Y | |||
| Reenacting (exludes use of live ammunition) | Y | |||
| Rock Climbing using ropes and guides | Y | |||
Rifle Shooting |
Y | |||
| Ringos | Y | Y | ||
| River Bugging | Y | |||
| Roller Blading | Y | |||
| Roller Hockey | Y | |||
| Rounders | Y | Y | ||
| Rowing | Y | Y | ||
| Rugby League | Y | |||
| Rugby Sevens | Y | |||
| Rugby Union | Y | |||
| Running | Y | Y | ||
| Running (marathon) | Y | |||
| Safari (organised by bona fide tour operator, no guns) | Y | Y | ||
| Safari (organised by bona fide tour operator, with guns) | Y | |||
| Sail Boarding | Y | Y | ||
| Sailing / Yachting Inshore - (no liability cover) | Y | Y | ||
| Sailing / Yachting Offshore - (no liability cover) | Y | |||
| Safari Trekking in a vehicle (must be organised tour) | Y | Y | ||
| Safari Trekking on foot (must be organised tour) | Y | Y | ||
| Sand Dune surfing / skiing | Y | |||
| Scrambling | Y | |||
| Scuba Diving (up to 30m depth if qualified or with instructor) | Y | Y | ||
| Scuba Diving (30m - 50m depth if qualifies or with instructor) | Y | |||
| Sea Kayaking | Y | |||
| Shark Diving (in cage) | Y | |||
| Shinty | Y | |||
| Shooting | Y | |||
| Skate Boarding | Y | |||
| Skiing extra cost | Y | Y | ||
| Ski Randonne "Winter Sport" extra cost | Y | |||
| Ski Touring "Winter Sport" extra cost | Y | |||
| Skiing - snow "Winter Sport" extra cost | Y | |||
| Skiing - Off-Piste "Winter Sport" extra cost | Y | |||
| Sky Diving | Y | |||
| Snorkelling | Y | Y | ||
| Snowboarding "Winter Sport" extra cost | Y | Y | ||
| Soccer | Y | |||
| Softball | Y | Y | ||
| Speed Skating "Winter Sports" extra cost | Y | |||
| Squash / Rackets | Y | |||
| Street Hockey (wearing pads & helmets) | Y | |||
| Summer Tabogganing | Y | |||
| Surfing | Y | Y | ||
| Swimming | Y | Y | ||
| Table Tennis | Y | Y | ||
| Tae Kwon Do | Y | |||
| Tennis | Y | |||
| Tabogganing "Winter Sport" extra cost | Y | |||
| Trampolining | Y | |||
| Trekking, Walking, Hiking | Y | Y | ||
| Trekking (4,000m to 6,000m) | Y | |||
| Triathlon | Y | |||
| Tug-of-War | Y | |||
| Volleyball | Y | Y | ||
| Walking, Hiking, Trekking | Y | Y | ||
| Walking - Hill (up to 3,000m) | Y | |||
| War Games | Y | |||
| Water Polo | Y | Y | ||
| Water Skiing | Y | Y | ||
| Water Skiing Jumping | Y | |||
| Weightlifting | Y | |||
| White Water Canoeing / Rafting (up to Grade 3) | Y | Y | ||
| White Water Canoeing / Rafting (Grade 4 or More) | Y | |||
| Windsurfing | Y | Y | ||
| Zorbing | Y | Y |
All Activities designated as "Winter Sport" subject to appropriate loading for Single Trip cover.