Annual Multi-Trip Travel Insurance

Hit the road and explore to your heart’s content! Be confident that any accidents or damage to your hire car can be covered up to £4,000. It can be added to any policy.

Lucky enough to be travelling for more than 50 days? If you’re 70 or under, you can upgrade your policy cover before you travel, for up to 100 consecutive days of travelling in one trip. It’s available on Comprehensive and Signature policies only.

Off on a cruise holiday? Cruise Plus Cover protects you against things like not being able to dock at a scheduled port due to bad weather, and cabin confinement. It’s available on Comprehensive and Signature policies. Find out more about our different levels of Cruise cover.

If you’re going to be taking expensive tech away with you, like a laptop, smartwatch or smartphone, Gadget Cover can protect an unlimited number of your devices for up to £2,000. This cover includes protection against accidental loss or theft, damage from accidents or malicious intent, liquid damage, and unauthorised call, text or data usage. It’s available on Comprehensive policies as an add-on, but included on Signature policies as standard. Learn more about Gadget Cover.

Cover for cancelling or cutting your holiday short if the FCDO (Foreign, Commonwealth & Development Office) advises against all, or all but essential travel to your destination because of an unforeseen incident such as an earthquake, fire, flood or hurricane. Find out more about our Travel Disruption cover. It can be added to any policy.

Golf insurance covers your golf equipment hire and non-refundable golfing fees. You’ll have hole-in-one cover too – meaning we’ll pay you £300 if you score a hole-in-one during your trip, as long as you’re a member of a recognised golf club affiliated to a national golfing union, you have your scorecard signed by your playing partner and you’re playing at a golf affiliated golf course too. It’s available on Comprehensive and Signature policies when playing non-professionally only.

You can travel as many times as you want for a total of 183 days in the 12 months of your policy.

There are a couple of things to know about how long you can spend abroad in one go:

• If you’re 70 or under, we’ll cover you for up to 50 days abroad at a time. You can extend this to 100 days with an optional cover upgrade.
• If you’re over 70, we’ll cover you for up to 35 days abroad at a time.
• However, these limits are reset after each journey so if you come back home in between trips, you can travel as many times as you want for a total of 183 days.

Planning a longer trip? Long stay travel insurance could cover you for up to 18 months, depending on your age.

Wherever you want if you choose the right region when you take out your policy. You have five options:

• UK only
• Europe excluding Cyprus, Egypt, Greece, Malta, Morocco, Spain, Turkey and Tunisia
• Europe including those excluded above
• Worldwide excluding Bermuda, Canada, the islands of the Caribbean, China, Hong Kong, Mexico, Thailand, and the United States of America
• All countries

You can add your whole family to your annual policy, from newborns upward, with no upper age limit. You might also save money, as couples and families that live at the same address often get an automatic discount.

You need to tell us about your pre-existing medical conditions when you take out your policy. This includes high blood pressure, diabetes, and cancer. This means you’ll be covered if you have a medical emergency relating to that condition.

Adding cover for your conditions is simple. You can do it online or by calling our contact centres. If anything changes between taking out your policy and going on holiday, you need to let us know, but you can also do this online.

You still need travel insurance even if you have a GHIC or a valid EHIC.

A GHIC/EHIC is not a replacement for holiday insurance. These cards won’t cover you for cancellations, loss of baggage, repatriation and other things that a travel insurance policy can.

But you should still carry a GHIC/EHIC when you go abroad. In fact, it’s a condition of our policies that you do. These cards mean you can get emergency, state provided healthcare in EU countries for free, or at reduced cost.

If you use your GHIC/EHIC when travelling and need to claim, we’ll waive the excess that you’d normally have to pay on medical claims.

Find out more, and how to apply, in our guide to GHIC.

You should buy your annual travel insurance policy as soon as you’ve booked your first holiday. That way you’ll be covered for any cancellations for any trips you have planned.

A specialist travel insurance provider can give you support, advice and peace of mind if the unexpected happens before or during your trip.

Some people rely on bank travel insurance, but did you know that you’re 9% more likely to have a claim rejected by a bank?

Choose a specialist travel insurance provider to build a tailored policy that suits you:

• Get cover for most pre-existing medical conditions, with have no upper age limit.
• Enjoy peace of mind with up to unlimited emergency medical expenses.
• Cover a wide range of sports and activities.

We understand how important it is for your travel insurance to offer the right level of cover so you can travel with confidence. We cover most pre-existing conditions, but occasionally, we might not be able to help.

If that’s the case, we recommend checking out BIBA’s medical directory or calling them on 0370 950 1790. They can provide a full list of specialist medical travel insurance providers who might be able to help.