The annual policy is generally suitable for people taking more than two trips per year. These policies can cover several trips in a year with each trip period not exceeding 22 days under the silver plus policy and 31 day under the gold plus and platinum plus policies. A trip is defined as “means any holiday, business or pleasure Trip or journey made by You within the area of travel shown in the schedule which begins and ends in the United Kingdom during the Period of Insurance but excluding one way Trips or journeys. Plus any Trip solely within the United Kingdom is only covered where You have pre-booked at least two nights accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee”.

Please note your travel insurance does not cover you for one way journeys. They are designed to cover return trips back to the UK. Winter sports can be added provided you have paid the appropriate premium but under an annual multi trip policy the total number of days covered during the whole year/policy period for winter sports is 17 days in winter sports trips.

There are three different levels of cover available under the single-trip type; silver plus, gold plus and platinum plus. Please note that if you have any kind of previous medical condition then silver plus cover will not be available to you. The cost of each of these is different, reflecting the level of cover they provide, with silver plus cover providing the lowest cost.

Children can be included within the policy when you travel on the same trip as a family. A family means up to two adults and any number of their children, step children or foster children aged under 18 or 23 if in full time education, accompanying the parents or legal guardian insured on the same policy traveling on any trip to the same destination. Under annual cover either adult is also covered when traveling alone on a defined trip. Children are not covered when traveling alone.

The single trip policy covers a wide range of sports and activities as standard, ranging from archery to zorbing, and many more in between. (see list of activities covered). It also covers a number of winter sports in addition to these. Professional sports are not covered. Personal liability is not covered for every sport.

Medical expenses, baggage and personal liability are included as standard with all cover levels, along with a range of additional cover items. You have the option to delete personal possessions cover but think carefully about doing that unless you are already insured elsewhere.

You can extend silver plus cover to include winter sports or independent traveler cover. You can also delete cancellation and curtailment cover if you wish under the silver plus policy.

Under gold plus and platinum plus you can add winter sports, cruise cover, business cover, golf cover, wedding cover and independent traveler cover. You can also increase the sums insured under cancellation and curtailment cover. Under both gold plus and platinum plus cover you have the option to reduce the excess.

Under platinum plus cover you have the added option to increase personal possession cover.

The maximum travel age under a multi trip policy is age 54 under silver plus cover and 70 years of age for gold plus and platinum plus cover.