Travel Insurance for Everyone
Get an instant quote and save money with Navigator Travel Insurance. Travel insurance for backpackers, gap year travel or family holidays. High quality worldwide travel insurance cover at low rates. Worldwide travel insurance for gap year travel, backpackers and student travel, working holidays and most adventure or hazardous sports, including tandem skydiving, bungee jumping, scuba diving, whitewater rafting.
These policies offer great cover for individual holidays or business trips. The levels of cover ensure peace of mind and protection for you and your family.
Policies cover a good range of sports and activities and gives the opportunity to upgrade to include cover for the more extreme activities, such as skydiving, high altitude trekking and sports such as rugby and polo, though some of these will require referral to our underwriters for consideration. If they agree cover, additional conditions and cost would apply. There is an option on these policies to cover Skiing and Snowboarding by doubling the standard price.
These policies will cover trips of up to 45 days duration. Use the Long Stay Single Trip policy for longer periods.
Maximum duration for ages 75+ is 23 days for Worldwide travel (outside European area).
If you are planning to be out of the country for an extended period (two months or longer) you will require Long Stay cover. Navigator Travel Insurance specialises in this type of cover for travellers participating in a gap year, studying or volunteering overseas, taking a career break, backpacking to individual destinations or on round the world itineraries or working holidays.
Our GOLD and SILVER policies cover a good range of sports and activities though they do not include cover for the more extreme activities, such as skydiving, high altitude trekking and sports such as rugby and polo. The option is available to add wintersports cover for up to 31 days.
Our BACKPACKER and STANDARD Long Stay policies cover a much wider range of hazardous activities in Activity Packs 1-4 and can cover longer periods of wintersports.
These policies are flexible, allowing you to extend your duration whilst abroad, if you decide to stay longer than originally planned, or to upgrade the policy later, to include more extreme sports and activities, if required.
Maximum age on these policies is 64 years on GOLD and SILVER, 35 years on BACKPACKER or 55 years on STANDARD LONGSTAY.
Annual Multi Trip
If you travel several times a year, it would be worth investigating annual travel insurance policies. Multi trip travel insurance policies will cover you for a 12 month period for a set price which allows multiple trips of up to 45 days individual duration (maximum 23 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 days.
You can buy Annual Multi Trip policies 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 gives the opportunity to upgrade to include cover for the more extreme activities, such as skydiving, high altitude trekking and sports such as rugby and polo. Requests for cover for some of these activities will need to be referred to our underwriters for consideration and may incur additional cost and conditions.
Gold Annual policies will cover up to 21 days wintersports free of charge (14 days on Silver), in the 12 month period of cover. Maximum age of 74 applies to these policies.
When you plan your holiday or travel arrangements it is important to choose your holiday insurance with care. Many travel insurance 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 policies that cover working and many sports and hazardous activities. Our BACKPACKER and STANDARD LONGSTAY policies 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.
Travel insurance 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 policy. Because these policies 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 travel insurance. 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 policy to ensure that work is covered. Many holiday insurance 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 travel insurance meets your expectations. Call us now or get a quote online!
Navigator Travel Insurance Services Ltd
Reg. Office address :
Cheshire WA14 2UT
We operate from a call centre
and there are no facilities to