Annual Multi Trip


Annual Multi Trip Travel Insurance

If you travel several times a year, it would be worth investigating annual policies. Multi trip insurance policies will cover you for a 12 month period for a set price which allows multiple trips of up to 31, 45 or even 62 days individual duration, depending on which policy you choose (maximum 31 days for ages 70-74 years). If you plan to take a longer trip, these policies are not suitable, you will require our Long Stay Single Trip policy for journeys of over 45 or 62 days.

You can buy Annual cover as an individual, or for a couple or family. Significantly discounted annual prices are available to couples and families. The levels of cover ensure peace of mind and protection for you and your family.

These policies cover a good range of sports and activities and some give the opportunity to upgrade to include cover for the more extreme activities, such as  trekking and sports such as rugby and polo. Requests for cover for some of these activities may need to be referred to our underwriters for consideration and may incur additional cost and conditions.

Navigator Silver, Pearl, Gold and Diamond Annual policies can cover wintersports and cruising at extra cost. Maximum age 74 years on Annual Multi-Trip cover.

Please note that it is best if you set the start date of your Multi Trip cover as soon as you require cancellation cover for any pre-booked trip. On a Single Trip policy, you are covered for cancellation as soon as the policy is issued, but on Annual Multi-Trip cover, nothing is working for you until the start date that you choose.

We have a choice of several Annual policies, with a cover level to suit you, providing either worldwide travel insurance or just for the European area.

Navigator Silver, Navigator Pearl, Navigator Gold or Navigator Diamond Annual Multi-Trip Policies

These policies cover Motorcycling (on-road up to 31 days per trip) at no extra cost. Wintersports and cruising cover is optional and at extra cost. Maximum trip duration is 45 days, with the option to increase to 62 days at a supplement. Maximum age 74 years on Annual Multi-Trip cover (no age limit on Short Stay Single Trip policies).

Frequently Asked Questions:

How often can I travel abroad on an Annual Multi-Trip policy?

We do not restrict the number of trips during the year, only the maximum individual trip duration is restricted.

What is the longest duration trip that can be covered on an Annual Multi-Trip policy?

Navigator Travel Annual Multi-Trip policies will cover trips of 31, 45 or 62 days, depending on which of our policies is used.

What happens if I go for longer than the maximum permitted duration on an Annual Multi-Trip policy?

You should not embark on a trip which is known to be longer than the permitted maximum. Longer trips should be insured separately on a suitable long stay Single Trip policy. If you inadvertently overstay the maximum period, we may be able to issue After Departure cover for the extended period, but this brings additional complications.

Can hazardous sports or working abroad be covered on Annual Multi-Trip policies?

We have Annual policies that will cover working abroad, and many sports and activities can be covered, some incurring additional cost.

Find out the best possible price for your travel insurance

Annual Multi-Trip

Cover for multiple trips
  • Up to 45 days each trip
  • Option to extend to 62 days
  • Special deals for couples and families
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Long Stay Single Trip

Cover from 2 to 18 months
  • Gap years
  • Extended backpacking
  • Career breaks
  • Volunteering
  • Studying
  • Working holidays abroad
Learn More

Short Stay Single Trip

Cover for up to 45 days
  • Single holiday
  • Business trip
  • Special rates for families
  • Accompanied kids go free
Learn More


Holiday Makers

Families, couples or individuals

Families, couples or individuals on holiday or business trips for shorter durations.



gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.


Sports & Adventures

skiing, snowboarding, climbing and more

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.