Travel Insurance for Everyone
Get an instant quote and save money with Navigator Travel Insurance. Policies for backpackers, gap year travel, student travel or family holidays. High quality worldwide cover at low rates. Most adventure or hazardous sports also covered – including insurance for tandem skydiving, bungee jumping, scuba diving, whitewater rafting and skiing.
Short stay insurance 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. These policies are designed to cover trips of up to 45 days in duration, for ages 75+ the maximum duration is 23 days for travel outside of the European area.
These policies 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 policies by doubling the standard price.
Long stay insurance policies are 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 insurance policies 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 BACKPACKER and STANDARD long stay insurance policies cover 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 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 limit on these policies are: 64 years on GOLD and SILVER, 35 years on BACKPACKER or 55 years on STANDARD LONGSTAY.
Annual Multi Trip
If you are a frequent traveller, it would be worth investigating annual travel insurance policies. Multi Trip insurance policies will cover you for a 12-month period for a set price that covers you for individual trips of up to 45 days in duration (maximum of 23 days duration for ages 70-74). For longer trips, you will need Long Stay single trip policies that cover journeys of over 45 days.
Annual Multi Trip insurance policies 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 skydiving, high altitude trekking 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.
GOLD Annual Multi Trip insurance policies will cover up to 21 days wintersports free of charge (14 days on SILVER), in the 12-month period. A 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 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.
This important part of trip planning 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 cover. 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 policy meets your expectations. Call us now or get a quote online!
Navigator Travel Insurance Services Ltd
Reg. Office address :
Cheshire WA14 2UT