Annual multi-trip and single trip insurance
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IMPORTANT

The World Health Organisation (WHO) have declared the coronavirus (COVID-19) as a global Pandemic.

Our travel insurance policies include a general exclusion regarding any epidemic or pandemic as declared by the WHO.

Therefore there is no cover under any section of this policy for claims in respect of Coronavirus (COVID-19), or any mutation of Coronavirus (COVID-19). This exclusion does not apply to claims under the Emergency Medical and Repatriation Expenses section whilst you are abroad and not travelling against FCO advice.

Annual Multi Trip Travel Insurance

Going away more than once over the next year? If so, a starttravel.co.uk multi trip travel insurance might be the right choice for you. An annual travel insurance policy can often cost less than a single trip policy overall if you have two or more trips planned over the year. So, purchasing an annual multi trip insurance policy can save you money and can allow you to relax in the knowledge that you are covered for a whole year.

Your cover will commence on your chosen date and will continue for the next 365 days. You can even tailor your policy to suit your needs and this can include adding an additional activity to your policy, such as golf, business cover or winter sports.

Simply enter your details into our user friendly ‘quote and buy’ system to get your quote today. Following purchase, your documents will be emailed to you instantly.

What is Multi Trip Travel Insurance?

Purchasing an annual travel insurance policy is a wise investment if you are planning to go on more than one trip abroad in a year. Rather than buying a single trip travel insurance policy for each trip you go on, it could be more cost effective to look at the benefits offered from multi trip holiday insurance. As travel is increasingly more accessible to more people, it gives a chance for travellers to go on multiple trips in a single year. So, for holiday makers embarking on a trip on their own or with friends or family, annual travel insurance becomes even more necessary.

Do you need Annual Travel Insurance?

If you're thinking of going away more than a couple of times in a year, then it makes perfect sense to invest in an annual travel insurance policy. However, if you're just going on one trip then it might be best to compare annual travel insurance with our single trip travel insurance.

Essential
  • £10,000,000 Emergency Medical and Repatriation Expenses
  • £1,000 Cancellation and Curtailment cover
  • £1,000 Personal Effects and Possessions
  • £20,000 Legal Expenses cover
  • 31 day duration for any one trip
  • Quotes available for customers up to the age of 70 years
  • Options to add additional cover such as Gadget, Cruise, Winter sports*, Business or Golf
4 Star
  • £10,000,000 Emergency Medical and Repatriation Expenses
  • £2,000 Cancellation and Curtailment cover
  • £2,000 Personal Effects and Possessions cover
  • £30,000 Legal Expenses cover
  • £1,000 Catastrophe cover
  • £10,000 Personal Accident cover*
  • Excess only £50, or excess waiver option available
  • 31 day duration for any one trip
  • Quotes available for customers up to the age of 70 years
  • Options to add additional cover such as Gadget, Cruise, Winter sports*, Business or Golf
5 Star
  • £15,000,000 Emergency Medical and Repatriation Expenses
  • £4,000 Cancellation and Curtailment cover
  • £2,500 Personal Effects and Possessions cover
  • £30,000 Legal Expenses cover
  • £1,000 Catastrophe Cover
  • £20,000 Personal Accident Cover*
  • £250 Luggage Delay cover
  • £300 Travel Delay and Disruption cover
  • £200 Withdrawal of Services cover
  • £100 Hospital Benefit cover
  • £250 Hijack, Kidnap and Mugging
  • No Excess to pay
  • 31 day duration for any one trip
  • Quotes available for customers up to the age of 70 years
  • Options to add additional cover such as Gadget, Cruise, Winter sports*, Business or Golf

*Terms and conditions apply. Essential premium based on a policy for an individual aged 40 or under. Winter sports cover only available up to the age of 64. Premiums displayed are inclusive of IPT at the current rate.

View our Policy Documents
July 2020 Onwards
► Policy Document
► Essential Cover IPID
► 4 Star Cover IPID
► 5 Star Cover IPID
► Main Changes
Before July 2020
► Policy Document
► Essential Cover IPID
► 4 Star Cover IPID
► 5 Star Cover IPID
Shared
► Keyfacts
► Important Information
► Terms of Business
► Claim Forms

starttravel.co.uk is administered by Call Assist Limited. Call Assist is authorised and regulated by the Financial Conduct Authority, Firm Registration Number 304838. Registered address: Axis Court, North Station Road, Colchester, Essex CO1 1UX. Registered in England and Wales. Registered number: 03668383

This insurance is underwritten by the United Kingdom branch of Europäische Reiseversicherung (ERV) A.G. an Ergo Group Company incorporated and regulated under the laws of Germany. Companies House Registration FC 25660 and Branch Registration BR 007939. ERV is authorised by the Bundesanstalt für Finanzdienstliestungsaufsicht (BAFIN - www.bafin.de) and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details of the extent of Our regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from Us on request. Our registration number is 220041.

Essential 4 Star 5 Star
Cover Sums Insured Excess Sums Insured Excess Sums Insured Excess
Emergency medical and repatriation expenses
- Hospital confinement benefit
- Additional transport and accommodation expenses in the United Kingdom
- Funeral expenses
- Emergency dental treatment 		£10,000,000
N/A
£1,000

£1,500
£400 		£100
N/A
£100

£100
£100 		£10,000,000
N/A
£2,000

£3,000
£400 		£50
N/A
£50

£50
£50 		£15,000,000
£20 per 24hrs (max £1000)
£3,000

£4,000
£400 		Nil
Nil
Nil

Nil
Nil
Personal accident
- Death (aged 18 – 64)
- Death (under 18 or over 64)
- Loss of limb(s) or sight or permanent total disablement (aged 18-64)
- Loss of limb(s) or sight or permanent total disablement (under 18 or over 64)
£5,000
£500
£5,000

N/A
N/A
N/A
N/A

N/A
£10,000
£1,000
£10,000

£1,000
Nil
Nil
Nil

N/A
£20,000
£2,000
£20,000

£2,000
N/A
N/A
N/A

N/A
Withdrawal of services N/A N/A N/A N/A £25 per 24 hrs (max £200) Nil
Provision of screened blood £5,000 Nil £5,000 Nil £5,000 Nil
Cancellation £1,000 £100 £2,000 £50 £4,000 Nil
Curtailment £1,000 £100 £2,000 £50 £4,000 Nil
Travel delay and disruption
- Delay
- Abandonment after 24 hours
- Disruption 		N/A
£1,000
N/A 		N/A
£100
N/A 		£20 per 12 hrs (max £200)
£2,000
N/A 		Nil
£50
N/A 		£20 per 12 hrs (max £300)
£4,000
£500 		Nil
Nil
Nil
Personal effects/possessions
- Single item limit
- Spectacles or sunglasses
- Valuables limit
- Personal money
- Cash
- Passport or Travel documents 		£1,000
£200
£75
£200
£200
£200
£200 		£100
£100
£100
£100
£100
£100
Nil 		£2,000
£250
£75
£250
£400
£300
£250 		£50 £2,500
£300
£75
£300
£400
£400
£300 		Nil
Luggage delay N/A N/A N/A Nil £50 per 24hrs (max £250) Nil
Personal liability
- Property damage
- Bodily injury 		£100,000
£2,000,000 		£100
£100 		£100,000
£2,000,000 		£50
£50 		£100,000
£2,000,000 		Nil
Nil
Hijack, kidnap and mugging N/A N/A N/A Nil £50 per 24hrs (max £250) Nil
Catastrophe N/A N/A £1,000 £50 £1,000 Nil
Legal costs and expenses £20,000 Nil £30,000 Nil £30,000 Nil
Optional gadget cover
- Single Article Limit
 £500
£300 		£100
 £750
£500 		£50
 £1,000
£750
 Nil
Optional winter sports cover
- Ski equipment
- Single item limit
- Ski equipment hire
- Ski pack
- Piste closure
- Avalanche closure 		£1,000
£750
£250
£100 (£20 per day)
£250
£300 (£20 per day)
£300 (£20 per day) 		£100
£100
£100
Nil
£100
Nil
Nil 		£1,000
£750
£250
£100 (£20 per day)
£250
£300 (£20 per day)
£300 (£20 per day) 		£50
£50
£50
Nil
£50
Nil
Nil 		£1,000
£750
£250
£100 (£20 per day)
£250
£300 (£20 per day)
£300 (£20 per day) 		Nil
Nil
Nil
Nil
Nil
Nil
Nil
Optional cruise cover
- Missed port departure
- Cabin confinement
- Itinerary change
- Unused excursions
- Cruise interruption
£400
£50 per day up to £300
£50 per port up to £300
£300
£300
£100
Nil
Nil
£100
£100
£500
£75 per day up to £375
£65 per port up to £375
£400
£500
£50
Nil
Nil
£50
£50
£1,500
£75 per day up to £1,000
£75 per port up to £500
£500
£750
£65
Nil
Nil
£65
£65
Optional golf cover
- Loss of golf equipment
- Single item limit
- Hire of golf equipment
- Loss of green fares 		£1,000
£1,000
£200
£300 (£50 per day)
£100 		£100
£100
£100
£100
Nil 		£1,000
£1,000
£200
£300 (£50 per day)
£100 		£50
£50
£50
£50
Nil 		£1,000
£1,000
£200
£300 £50 per day)
£100 		Nil
Nil
Nil
Nil
Nil
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