annual multi-trip holiday or business insurance + travel insurance for residents of UK, Isle of Man, Channel Islands + any number of trips in 12 months each not exceeding 31 days + being cheap annual travel insurance + winter sports + adventure sports + extreme sports + for individuals, couples, families up to 6 children same cost as 1 + good value, cheap affordable insurance:

Annual multi-trip Travel Insurance in £GBP annual travel insurance from UK



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	Definitions
	europe
	children
	spouse/partner
	stopover

HOME COUNTRY :	England, Scotland, Wales or Northern Ireland
	Isle of Man	under this policy, the Isle of Man and Channel Islands are not part the UK for travel and tax purposes. Please select your country, and UK insurance tax will be zero.
	Channel Islands

Annual Multi-Trip Travel Insurance
31 days maximum per trip for residents of UK,
Isle of Man or Channel Islands

		Please give your Travel Insurance requirements:

	Destination area:	1. Europe (see definition of Europe for this insurance) 2. Australia & New Zealand (with 3 days stopover allowance en route any trip) 3. Worldwide excluding USA, Canada, Caribbean, Bahamas 4. Worldwide (fully) including USA, Canada, Caribbean, Bahamas

	Persons insured:	You (if aged under 66) Your spouse/partner, (if also aged under 66) Dependant Children (aged under 17)




		or Euro annual travel insurance for Irish residents

	Important conditions for insurance : You must be permanently resident in your Home country, either the UK, Isle of Man, or Channel Isles, and insurance must be taken out BEFORE leaving your Home country. Pre-existing conditions are not covered (definition below). With a pre-existing condition the insurance is still effective in all respects except that any loss related to the condition is not covered. Age limits : apply as at the start date of the annual period. Adults must be aged under 66. For families, up to 6 dependant children aged under 17 can be included - (6 at the same cost as for 1).
	Keyfacts Policy Summary : This is a document required by the FSA to help you understand the cover provided by the Policy. Please print it to refer to, and read what is meant by Pre-existing Conditions via the links below:
	Keyfacts Policy Summary
	Pre-existing Conditions wording
	Search policy wording for a word or phrase

Travel Insurance for UK residents

Please review the Policy Wording, the over 100 sports and activities covered in our Schedule of Activities, the Keyfacts Policy Summary, and our Terms Of Business, via the links on this page.

On taking out insurance, you will be sent an email enabling you to download or access this information again, and if, within 14 days, you are not happy with the insurance, you can ask for it to be cancelled and your payment will be refunded in full, provided you have not travelled or used the insurance in any way.

Insurance for travel between UK, Isle of Man, Channel Islands and Republic of Ireland

Insurance for UK residents where trips start from the Republic of Ireland

Children : If children are included, they must be the dependant of an insured adult, but not necessarily offspring.

Travel : adults, if two insured, may travel independently. Children are not covered to take a trip independently of an adult insured, although please contact us in advance if that is necessary .

Cancellation cover : for annual multi-trip insurance is effective from the start date of the annual period.

	Important conditions for insurance : You must be permanently resident in your Home country, either the UK, Isle of Man, or Channel Isles, and insurance must be taken out BEFORE leaving your Home country. Pre-existing conditions are not covered (definition below). With a pre-existing condition the insurance is still effective in all respects except that any loss related to the condition is not covered. Age limits : apply as at the start date of the annual period. Adults must be aged under 66. For families, up to 6 dependant children aged under 17 can be included - (6 at the same cost as for 1).
	Keyfacts Policy Summary : This is a document required by the FSA to help you understand the cover provided by the Policy. Please print it to refer to, and read what is meant by Pre-existing Conditions via the links below:
	Keyfacts Policy Summary
	Pre-existing Conditions wording
	Search policy wording for a word or phrase

	For your insurance, Europe is defined as:
	The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, the Azores, Mediterranean Islands, and non–European countries bordering the Mediterranean. Travel to the following countries (excluding your home country): Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Isle of Man, Italy, Kazakstan (west of Ural River), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation (west of Ural Mountains), San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City. Including all Islands in the Medeterranean, and the Atlantic Islands: Azores (Portugal), Canary Islands (Spain), Madeira (Portugal). Including Non-European countries bordering the Medeterranean: Algeria, Egypt, Israel, Lebanon, Libya, Morocco, Syria, Tunisia, Turkey.

including Children:

Child, children means person(s) aged 16 years and under at the start of the annual period, or start of trip for single trip insurance. Up to 6 children may be included, and all are at the same price as for one. For annual insurance, all children must be dependants of one or both adults insured. Also, see Travel note below.

For single trip insurance, at least one child must be a dependant of an adult insured, other children need not necessarily be dependants. For long stay backpacker insurance, children are not covered.

Children do not necessarily have to be the offspring of the adult(s) insured.

Your Partner:

Your Partner is your spouse or someone of either sex with whom you have a permanent relationship, and who also lives with you at your Home.

For Annual Insurances, a discount of about 20% applies to the joint cost of your insurance when you include your spouse or partner.

	Stopover, outside your main destination area:
	The aim is to allow those travelling to Australia or New Zealand a short time to visit another country whilst on their way to or from Australia or New Zealand, without having to incur the cost of moving up an area to do so. This is the stopover allowance of 3 days per trip, that can be taken on either the outward or homeward leg of the journey or split between both. If the stopover(s) you have planned slightly exceed this allowances - please contact us.

Residents of Great Britain and Northern Ireland may use this insurance to visit The Isle of Man or The Channel Islands (both of which are not officially part of the United Kingdom). And, the same applies to residents of The Isle of Man and Channel Islands visiting mainland UK, though insurance is cheaper for them as is Tax Free. For all these residents, this insurance is needed to visit the Republic of Ireland as a separate European country.

Normally residents of UK or the Isle of Man or Channel Islands should take out travel insurance for a trip before departure from home. However, if you are one of these, and are working temporarily in, or visiting, the Republic of Ireland without travel insurance, and need travel insurance for a trip elsewhere worldwide departing from the Republic of Ireland, it may be difficult to get insured (unless you return home first). Therefore, please contact us before taking out this insurance, and we may be able to help.