UK Multi Trip Summary Of Cover



Our UK MULTI TRIP insurance product is designed as a competitive package that covers

  • All persons up to the age of 90.
  • No medical screening required.
  • COVID-19 cover included for cancellation, curtailment & additional expenses



This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded pre-existing medical conditions, are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.

IMPORTANT: We will not provide you with advice about the suitability of this product for your individual needs but will be happy to provide you with factual information. We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. A summary of the cover is detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Document, Table of Benefits and Insurance Product Information Document (IPID), copies of which will be sent to you with your policy documents. In any event you may ask for specimen copies of the policy wording should you wish to examine this in advance.



Once purchased you may tell us if your policy does not meet your requirements. If you cancel within 14-days of the receipt of your documentation and you have not started a trip or made or intend to make a claim, we will give you a full refund. Following this 14-days period, you continue to have the right to cancel your policy at any time by contacting us. If the notice of cancellation is received outside of the 14-days cooling-off period, no premium will be refunded.



The cover under this policy is only available to United Kingdom residents being defined as: Any person who has an address in the United Kingdom, has lived in the United Kingdom for at least 6 of the last 12 months, and is registered with a General Practitioner in the United Kingdom.


Remuneration Statement

The Premiums paid include a commission, the value of which may vary and is deducted by us from the amount that you pay before the balance is paid to the insurance company.




England, Scotland, Wales, Northern Ireland, the Isles of Scilly, the Isle of Man and the Channel Islands.



This policy may not provide cover for pre-existing medical conditions, so it is important that you review and respond to the questions below in order to have the full protection of your policy. If you do not take the appropriate action, or if you withhold information which we should reasonably be made aware of when considering the provision of cover, then your policy may be cancelled, or your claim rejected or not fully paid.

If you are travelling within the United Kingdom please consider the following questions in relation to you, anyone to be covered by this policy, or any colleague:

  1. Are you aware of any reason why your trip could be cancelled or cut short, such as your health or the health of a relative or colleague or someone with whom you are going to travel or stay?
  2. Are you travelling: a) against the advice of a medical practitioner, or b) for the purpose of obtaining medical treatment?
  3. Have you been given a terminal prognosis?
  4. Are you receiving or awaiting investigation or treatment for any bodily injury, illness or disease as a hospital day case or in-patient or have an undiagnosed condition or set of symptoms?


If you answer yes to any of the above 4 questions, then your pre-existing medical conditions will not be covered by this policy and we are unable to extend the cover to do so.

If you answer no to the above 4 questions, then please also proceed to questions 5 and 6 below to complete the assessment.

  1. If you are on prescribed medication, are your medical condition(s) stable and well controlled?
  2. If you suffer from stress, anxiety, depression or any other mental or nervous disorder, have you received written confirmation (at your cost) that you are fit enough to take this trip by either: a) your GP, or b) a registered mental health professional (e.g. If you are under the care of a community mental health team), or c) a consultant specialising in the relevant field?


If you answer yes to question 5 and 6 above, then you do not need to contact us with details of your pre-existing medical conditions, and your insurance policy’s standard terms, conditions and exclusions will apply. If you answer no to question 5 or 6 above, then your pre-existing medical conditions will not be covered by this policy and we are unable to extend the cover to do so.








·  £25 Loss of Deposit

·  £50 Cancellation

Missed Departure

·  £100 (England, Scotland & Wales)

·  £300 (Northern Ireland, the Isles of Scilly, the Isle of Man & the Channel Islands)


Personal Accident

·  £5,000 Death

·  £5,000 Loss of Limb(s) and / or Eye(s)

·  £5,000 Permanent Total Disablement


Additional Accommodation, Repatriation & Travel Expenses (including Curtailment)

£5,000, sub-limited as follows:

·  £100 (necessarily incurred) Taxi Fares & Telephone Calls

·  £2,500 Return to Home Expenses

·  £1,500 Curtailment

·  £300 Additional Travel Expenses Following Curtailment


Hospital Benefit

£15 per 24-hours up to £300


Personal Property (including Personal Money)

£1,000 in all, sub-limited to:

·  £200 Single Article Limit

·  £200 in all Valuables

·  £200 (£50 children) Personal Money

·  £50 per 24-hours up to £100 Delayed Baggage

· £50 Personal Property & Personal Money

· Nil Delayed Baggage


Personal Liability



Legal Expenses



Extended Cattery and/or Kennel Fees

£50 per 24-hours up to £500


COVID-19 Cover

·  Up to £1,500 Cancellation

·  Up to £1,500 Curtailment





  1. The cover under this policy is only available to United Kingdom residents for travel within the Geographical limits contained in this policy and which begins and ends in the United Kingdom. Repatriation will be to the United Kingdom
  2. Cover is only available for the whole duration of a booked trip to a maximum 31 consecutive days, and cover cannot be purchased once a trip has already begun.
  3. The excess amount deductible from a claim applies to each and every claim, per incident claimed for, under certain sections by each insured person.
  4. If your money, valuables, any items of baggage, your passport or visa are lost or stolen, you must notify the local Police within 24 hours of discovery or as soon as possible thereafter. Please make sure you get a copy of the Police report. Failure to comply may result in your claim being rejected or the amount of any relevant claim reduced.
  5. You are not covered for valuables if left unattended at any time (including in a vehicle, in checked in luggage or while in the custody of a carrier, tour operator or public transport operator) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
  6. Stolen property: You are not covered for baggage stolen from: (a) an unattended coach/bus unless it was locked in the luggage compartment of the coach/bus and evidence of force or violent entry to the vehicle is available, or (b) the passenger compartment of any unattended vehicle.
  7. You must ensure that you have had any recommended inoculations, vaccines (including COVID-19 where it has been offered to you) or medications relating to your destination prior to your trip.
  8. Claims arising from any epidemic or pandemic as declared by the World Health Organisation (WHO)
  9. Claims arising from or related to any Coronavirus including but not limited to COVID-19, or any related/mutated form of the virus. This exclusion does not apply to COVID-19 claims under the COVID-19 Cover section.




Not the right level of cover to meet your Travel Insurance needs?  If we can’t offer you the cover you want, or your premium is higher than you wanted because you have medical conditions, you may be able to get help by accessing the Money and Pensions Service travel directory at: or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).

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