All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

If cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. For cover to apply the Already Travelling extension must be shown on your Booking Invoice or Validation Certificate (as applicable). Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 21 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Or

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip means a one-off trip with a minimum duration of 4 days and a maximum duration of 24 months.

One Way Trip means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. The duration of cover can range anywhere between 4 day and 24 months; cover will end upon arrival at your final destination.

Annual Multi-Trip policy may cover an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 
If you are already travelling it is not possible to purchase the annual multi-trip policy.

EUROPE:
Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean.

AUSTRALIA and NEW ZEALAND:
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.

WORLDWIDE excluding NORTH AMERICA:
(North America means the USA, Canada & Mexico.)
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.

WORLDWIDE including NORTH AMERICA:
Worldwide means anywhere in the World including the USA, Canada & Mexico.

Single Trip
The Period of Insurance will be shown on your validation certificate up to a maximum duration of 24 months. Cover under Section C - Cancellation starts from the issue date validation certificate and ends when the Insured Person leaves their residence or place of business to commence travel. The cover under all other sections of the policy starts on the commencement date shown on the validation certificate and ends on the Insured Persons return home or expiry of the Period of Insurance, whichever is first. No premium refund outside of the Cooling Off Period may be offered if the Insured Person returns home prior to the expiry of the Period of Insurance. Single trip may also include one way trips. Cover under all sections ceases on arrival at final destination.

Annual Multi Trip
Any one trip shall be limited to a maximum duration of 70 days. For any trip known to be exceeding the maximum duration then the entire period of travel will not be insured to cover travel within the 12 month Period of Insurance shown on the Insured Persons validation certificate. Cover under Section C - Cancellation starts from the date of issue stated on your validation certificate or travel being booked, whichever is the latter. Cover under all other sections of the policy starts on the commencement date shown on the validation certificate and ends on the Insured Persons return home or expiry of the Period of Insurance, whichever is first. Please ensure you arrange cover for the entire duration of your travel

The period that you are insured for as shwon on your Booking Invoice or Validation Certificate (as applicable).

Automatic Trip Extension 
If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium.
In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack.

Please ensure you arrange cover for the entire duration of your travel

Where do you normally reside? Where do you normally reside?
Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries.
Can I take out this Insurance if I’m already abroad?
If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad.
Do you have minimum residency requirements?
No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.