UK Travel Insurance Company for Everyone
Get an instant quote and save money with Navigator Travel Insurance. Policies for backpackers, gap year travel, student travel or family holidays for UK citizens. We can cover most types of working abroad, including manual work, using heavy machinery, agricultural work and working with both domestic & wild animals. We have a wide range of policies for motorcycling on or off-road, and motocross. Most adventure or hazardous sports also covered – including insurance for paragliding, bungee jumping, scuba diving, whitewater rafting, martial arts, rugby, polo and skiing.
Short stay insurance offers great cover for individual holidays or business trips. The levels of cover ensure peace of mind and protection for you, and your family. These policies are designed to cover trips of up to 62 days in duration. We have a choice of several policies, some with no age limits.
These policies can also cover a broad range of sports and activities and the opportunity to upgrade to include insurance for more extreme sports and activities such as skydiving, high altitude trekking as well as rugby, polo and lacrosse, though some of these will require referral to our underwriters for consideration to determine costs and conditions.
Skiing and Snowboarding insurance is also available on short stay insurance by doubling the standard price.
Long stay travel insurance is ideal if you are planning on being outside of the country for an extended period of time (two months or longer). Navigator Travel specialises in long stay travel insurance for gap year travel, volunteering or studying overseas, career break and sabbatical travel and backpacking to individual destinations, round-the-world itineraries or working holidays.
Navigator’s GOLD and SILVER products offer cover for a range of sports and activities, however they do not cover the more extreme activities such as skydiving, high altitude trekking, rugby, polo and lacrosse. Winter sports insurance is an optional extra and can be added for cover up to 31 days.
Our LONGSTAY & BACKPACKER travel insurance covers a wider range of sports and activities (in Activity Packs 1-4) and can cover longer periods of winter sports, such as skiing and snowboarding. These two policies are also great for working abroad, as they can cover a wide range of work, including manual, agricultural, working with machinery or animals.
These policies offer flexibility that allow you to extend your duration whilst abroad or upgrade the policy to include more extreme sports and activities if required.
The maximum age limits on these long stay policies are: LONGSTAY & BACKPACKER – 70 years for Worldwide cover up to 18 months or 76 years for European travel. GOLD, PEARL and SILVER long stay policies have very low age limit of 59 years.
Annual Multi Trip
If you are a frequent traveller, it would be worth investigating annual travel insurance. Multi Trip policies will cover you for a 12-month period for a set price, such as Navigator Silver or Navigator Gold, that cover you for individual trips of up to 45 days in duration (extendable to 62 days at extra cost). For longer trips, you will need Long Stay single trip policies that cover journeys of over 62 days.
Annual Multi Trip insurance cover can be purchased as an individual, as a couple of as a family. Discounted annual prices are available to couples and families and provide a level of cover to ensure peace of mind and protection when abroad.
These policies do cover a broad range of sports and activities and give you the option to upgrade and include extreme sports and activities such as paragliding, martial arts training and sports such as rugby and polo. Requests for some of these sports and activities will need to be referred to our underwriters for consideration and may incur additional costs and conditions.
NAVIGATOR SILVER or GOLD Annual Multi Trip policies will cover up to 21 days wintersports free of charge , in the 12-month period. A maximum age of 69 applies to Navigator Silver Annual policies, or 74 years for Navigator Gold.
Why do you need travel insurance?
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 travelling.
Navigator Travel offers several UK online insurance policies that cover working and many sports and hazardous activities. Our ADVENTURES policy is aimed primarily at travellers requiring cover for hazardous sports or work, with a good selection of sports covered.
The SILVER, PEARL, GOLD & DIAMOND policies cover fewer types of work and sporting activities.
What does travel insurance cover?
You’ll find that every travel insurance company has differing policies which will vary in what is, and isn’t, covered when you travel abroad. From claiming for lost baggage, to unexpected delays, and receiving cover for pre-existing health conditions, dependent on your circumstances and which travel insurance policy you choose, you’ll find several different types of cover to be included and, more often than not, will find that you can add additional cover as needed.
You will always find that, with regular travel insurance policies, there are a number of standard components that are synonymous with travelling abroad that are covered, which tend to be consistent across different holiday insurance companies. However, you’ll equally find that several types of cover are not included. We’ve outlined below what you’ll often find to be covered in standard travel insurance policies, and equally, what you often won’t find to be covered:
What is normally covered:
- Losing Your Luggage
You’ll often find that, if your baggage is deemed to be lost in transit whilst you’re travelling for A to B and beyond, you can be compensated by the insurance company you’ve purchased your policy with, which will allow you to claim the estimated value or your luggage and its content either in full or partially. This varies dependent on the total amount of expenses that your baggage cover allows you to claim back.
- Cancellation Cover
Cancellation cover encompasses compensation for any aspects of your journey that you may have to cancel due to unforeseen circumstances, such as accidents or illness. This can either be full or partial compensation and can include aspects of your holiday such as your flights, hotel, and any trips or excursions that you may have planned.
- Emergency Repatriation
Emergency repatriation cover, in short, means you’ll receive any compensation for the costs involved in getting you back to your home country should a medical emergency occur.
Theft cover means that, should you have your personal belongings or luggage stolen, you may be entitled to be reimbursed for any items that have been directly lost beyond your control.
- Medical Expenses
Medical expenses cover will entitle you to full or partial reimbursement for any costs associated with medical-related appointments, necessary operations, prescription medications, and other required expenses associated with health-related illnesses or accidents.
If you find yourself to be delayed due to unforeseen circumstances including strikes, poor weather, or your transport, such as flights, ferries, or trains, are delayed, you can normally claim back for this, but this will only be if the delay is over a minimum period of time. This is something
- Personal liability
Should you be directly responsible for an incident or accident that has occurred, such as damaging someone else’s property or personal belongings, you may find that travel insurance companies and their policies will cover you for the cost of any legal fees associated with this.
What is not normally covered:
- Extreme sports/ water sports
Any activities that could be considered high-risk and sports that are usually categorised as extreme, such as skiing, paragliding, skydiving and scuba diving, are often not covered by standard policies from holiday insurance companies.
A specialist travel insurance policy that covers whatever sport you’re planning on engaging with during your trip will ensure that you have the security you need should you require any medical cover as a result of your activities.
- Gadget cover
Whilst you often can be compensated for any personal belongings that are stolen, or any items that may be lost in your luggage, with normal travel insurance policies, you can often opt for gadget cover as an additional type of cover on your policy. This will protect any electronic devices that you may be taking on your travels with you.
- Pre-existing health conditions
Should you have a pre-existing medical condition, you may find that standard travel insurance policies will not cover you. Instead, you may need a specialist travel insurance policy, dependent on your condition.
- Missed flights
If you’re responsible for missing your transport abroad, you will not be reimbursed for the cost of your tickets. Regardless of the reasons for this, even if they were beyond your control, you’ll find that travel insurance companies will not compensate you.
- No longer wanting to go on your trip
Should you decide that you no longer want to go on your trip, regardless of the circumstances, this is not a sufficient enough reason for your travel insurance company to reimburse you for the cost of your holiday.
- Natural disasters
Should you be struck by a natural disaster during your trip, this isn’t often a condition in normal travel insurance policies that is covered. If you are considering going to a country in which natural disasters are common, or have previously occurred, we would advise giving yourself peace of mind by ensuring you book a travel insurance policy that includes natural disaster cover.
It is possible to upgrade your travel insurance policy to incorporate additional types of holiday or trip cover, including the aforementioned, such as gadget insurance, natural disaster cover, and insurance for high-risk activities and extreme sports.
The Best Travel Insurance Policies for Your Trip
This important part of trip planning is all too often given insufficient consideration and many holidaymakers 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 for you without a lot of research. Some of the specialist policies offered here at Navigator are:
How to avoid common mistakes when buying travel insurance services
Long Stay Travel
A common mistake when selecting a policy for long-stay travel is to buy Annual Multi-Trip holiday insurance. Because these are advertised as “annual holiday insurance” it is assumed that they would provide cover for a long stay trip, such as a gap year holiday. But, n reality, whilst they will give insurance cover for many trips, there is an individual trip duration limit, which is often only 31 days.
This type of cover can be invalidated if your trip is longer than this duration, so for holidays like this, you need long stay cover. Our AIG LONGSTAY & BACKPACKER and NAVIGATOR SILVER & NAVIGATOR 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 Navigator Travel offers policies like the High Risk Voyager and Adventures or Longstay & Backpacker, which cover manual work, using heavy machinery, working with animals, and agricultural work. There will be additional conditions attached to manual work and occasionally higher costs. Personal Liability claims are not covered though, and these should be covered by the employer who should have insurance in place to protect against such eventualities.
Get a Free Quote from Navigator Travel Insurance
If you live in the UK, 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!
Can I buy travel insurance after departing the UK?
You can buy travel insurance once leaving the UK, however, we would advise that you purchase your travel insurance in advance of your trip. When you purchase the right policy for you, you can specify a start and an end date for the period that you want to be covered for.
So, it is of no detriment should you purchase your travel insurance in advance and it provides you with peace of mind knowing that you’ll be covered right from the start until the end of your holiday.
Should you be on your holiday and are faced with unforeseen circumstances, such as a cancellation or you require emergency medical attention, before you’ve purchased your travel insurance policy, you will not be able to be compensated for the expenses associated with these events.
How can I make a claim on my travel insurance?
To make a claim on your travel insurance policy, you should contact the travel insurance company that you purchased your policy with as soon as possible. You’ll most likely receive a claims form in which you can give details of your circumstances and your claim. You’ll need to include any evidence relating to your claims, such as copies of receipts, medical certificates, or official paperwork.
Should you need to make a claim with us here at Navigator Travel, you can call us on 0161 973 6435 or reach us via our contact form to receive further details and information about making your claim.