When you plan your holiday or travel arrangements it is important to choose your holiday insurance with care. Many policies do not give cover for adventurous or hazardous sports and it is frequent for holiday insurance not to cover working whilst traveling.

Navigator offers four online insurances that cover working and many sports and hazardous activities. Our BACKPACKER and STANDARD LONGSTAY  products are aimed primarily at backpackers and gap year or student travel and give basic cover for travel and working, with a good selection of sports covered. The SILVER and GOLD policy covers fewer types of work and sporting activities, but offer higher levels of cover than Backpacker and Standard.

This important part of trip planning is all too often given insufficient consideration and many holiday makers travel each year with policies that are not suitable for the activities that they are undertaking. There is such a range of travel types that it is often difficult to identify the right policy without a lot of research. Some of the specialist policies offered here at Navigator are:

– Backpacker Insurance
– Student Holiday Insurance
– Adventure Trip Insurance
– Gap Year Insurance
– Extreme Sports Insurance

A common mistake when selecting a policy for long stay travel is to buy an Annual Multi-Trip holiday insurance. Because these are advertised as “annual holiday insurance” it is assumed that they would give cover for a long stay trip, such as a gap year holiday. In reality, whilst they will give insurance cover for many trips, there is an individual trip duration limit, often 31 days or lower. This type of cover is invalidated if your trip is longer than this duration, so for holidays like this you need long stay cover. Our BACKPACKER, STANDARD LONGSTAY, SILVER and GOLD policies cover long trips of up to 18 months duration.

It is also increasingly popular these days for people to seek work overseas, and it is important that you get a working travel insurance cover to ensure that work is covered. Many holiday policies will not cover claims that arise in the workplace, though our policies do cover work-related claims, provided the work is not manual labour. We can often cover manual work, though we would need to refer these cases to insurers for their agreement. There will be additional conditions attached to manual work, and often higher cost. Personal Liability claims are not covered though; these should be covered by the employer who should have insurance in place to protect against such eventualities.

Whatever your requirements, we will try to obtain a suitable quote to cover your needs, and offer a personal service to try and ensure that the policy meets your expectations. Call us now or get a quote online!