FAQs

Annual Multi Trip

• What is the Maximum age on an Annual Multi Trip Policy ?

  Maximum age is 75 years of age.

• What is the Maximum length of any one trip on an Annual Multi Trip Policy?

  Essential Cover – 19-49yrs Max duration 31 days any one trip.
  Premier Cover – 19-65yrs Max duration 60 days any one trip.
  Premier Plus Cover - 19-65yrs Max duration 60 days any one trip.
  Unlimited number of trips for all age categories.

• Is Wintersports cover included in the price?

  Wintersports can be included for an additional Premium for persons 65 yrs or younger.

• Can an Adult or Child travel separately on a Multi Trip Policy?

  Under annual multi trip cover an adult spouse can travel separately. Any child under 16 years cannot travel independently. Any child 16 years or over is covered to travel independently from their parents provided they are travelling on an organised school or college Trip only and with a responsible adult 18 years or over.

• What is the definition of a family on an Annual Multi Trip Policy?

  2 co-habiting Adults/spouses and their dependant children under 19 years of age.

• Can I forward start the commencement of an Annual Multi Trip Policy?

  Yes you can forward start the commencement date of your policy by 90 Days however please note that there is no cover including cancellation until the start date of the policy.

Single Trip

• What is the maximum age on a Single Trip Policy?

  The Maximum age is 79 years of age.

• What is the maximum duration on a Single Trip Policy?

  The Maximum duration is 365 days for persons under 68 years. Persons 68 – 79 years is subject to a maximum duration of 35 Days.

• What is the definition of a family on a Single Tip Policy?

  2 Co-habiting Adults/spouses and their dependant children under 19 years of age.

• Can Children under the ages of 19 years travel alone?

  Yes they can but they will be charged the full adult rate.

• What additional covers are available?

  You have the option to upgrade your policy to include the following covers - Excess Waiver, Golf Cover, Business Equipment Cover, Flight Cancellation, Wedding Cover and Wintersports cover. Details of cover levels and policy limits can be viewed on the Multitrip.com website. All covers are subject to an additional premium.

Backpacker

• What is the age limit on the Backpacker policy?

  49 Years of age is the max age limit on the Backpacker Policy.

• What is the maximum duration on stopovers allowed?

  You are entitled to spend up to 20% of the insured duration of the trip in another area. For example if you are buying a 365 days policy to Australia you are entitled to spend 20% or 31 days max whichever is less in other areas other than Australia.

• What is covered in the Backpacker policy?

  The basic rate covers the Medical Expenses, Personal Accident, Personal Liability, Legal expenses, Catastrophe Cover, Cancellation& Curtailment, Mugging Benefit, Baggage and Money, Missed Departure, Holiday Abandonment and Hijack.

• What is the total duration on Wintersports on a Backpacker policy?

  There is a total of 31 days of Wintersports covered provided which is subject to an extra premium. You may use these days in any order that you choose. Wintersports definitions and policy limits can be found on the policy wording.

• What is the maximum trip duration?

  365 Days is the maximum amount of time that we are currently able to provide.

General Questions

• What charges do I incur when buying a policy?

  We work hard to try and minimise any additional charges you may incur in the supply of your policy, We charge £3.95 per policy as a web administration fee and an additional £4.95 if you choose to book your policy through our call centre. There are also optional charges linked to different administration functions, the posting of a hard copy policy certificate is £3.50 and automatic SMS policy info service is £0.99

• How Will I receive my Validation Certificate and Policy Cover?

  When a purchase is made on this site you will automatically be able to print  a formal cover letter, validation certificate and Travel Cover Document. This document is your insurance certificate and it is also automatically sent to your email address. We strongly recommend you bring your travel cover document and validation certificate when you travel.
  In order to keep your premiums low, we do not as a matter of course send out documents in the post. However if you wish for copies to be printed out and sent to your home address please call us and let us know (there is a £3.50 charge for policies sent out in the mail).
  If you have selected Yes to receive your policy details via SMS, then you will also receive a text message with your Certificate Number, Emergency Telephone Number Abroad and Health Check Telephone Number (text cost 0.99c)

• What should I do if I need to my details change or I want to extend cover?

  Please contact us including your policy number and the required alteration. In most cases we will simply update re-send your details by email. If you need to extend your cover then there may be an additional premium to pay.

• What are the policy age limits?

  Annual Multi-Trip  75 years
    19 – 49 yrs – Max duration  Essential Cover 31 Days
    19 – 65 yrs – Max duration  Premier / Premier Plus 60 Days
    66 – 69 yrs – Max duration  Premier / Premier Plus 31 Days
    70 – 75 yrs – Max duration  Premier / Premier Plus 21 Days
  
  Single Trip  79 years
    (persons 68 - 79 years - max trip duration 35 days)
  
  Backpackers  49 Years
  
  Wintersports  65 years

• Define a couple?

  A couple can be defined as two co-habiting adults who are common law partners that have been co-habiting for at least 6 months. This includes same sex couples.

• Is Pregnancy Covered?

  Our Pregnancy cover provides cover for unforeseen events, accidents, illnesses and diseases. Normal childbirth would not constitute an unforeseen event. In any event, you must not travel against doctors advice or any carrier stipulation. Any complications or previous miscarriages need to be declared to Healthcheck.

• What if I need to cancel my holiday/trip?

  If it is deemed necessary to cancel your travel arrangements you must contact your Travel Agent/Tour Operator or Transport Company immediately and confirm in writing to Claims within 48 hours. )

• What should I be aware of in respect of baggage/money claims?

  If any item of your baggage is lost or stolen or damaged whilst in transit then you must report this to the Airline, Hotel or Tour Operator Representative immediately. Baggage excludes prams, wheelchairs, bicycles, diving equipment, computer equipment, antiques and mobile phones. It is important that you obtain a property damage/loss report or a PIR in the case of damage/loss by an airline. Fragile items are excluded under this policy. Cash must always be kept in a safety deposit box.

• Do I need a police report for stolen items?

  If you are unfortunate enough to have any stolen items or belongings whilst on holiday, then you must notify the local police within 24 hours and obtain a copy of the police report.

• When should I contact the Emergency Assistance Service?

  Tel: +44 1454 643 421
  In the case of any medical emergency or the need to curtail your trip due to an insured reason please call the Emergency Assistance Service. If you have private health insurance, then you must also contact that Company's Assistance telephone number and inform them of your medical emergency.

• Am I covered for Liability of Mechanically Propelled vehicles or watercraft?

  No there is no liability cover for the use of mechanically propelled vehicles or watercraft. Please check that your legal liability is adequately covered with the operator/car hire company before hiring/using motor vehicles, motorised water craft or aircraft (other than as passenger).

• How do I make a claim?

  If your policy was issued before the 31/03/2012 then please click here .

• What should I do if I have a complaint about the policy or a claim?

  Please refer to the complaints procedure on page 12 of the policy wording.

• Is there a cooling off period?

  Yes there is a 14 Day cooling off period from receipt of the policy either at time of print, receipt of email or receipt by post.

Hazardous Activities

• What Hazardous Activities are covered Free of Charge with Multitrip.com?

  Multitrip.com automatically provides Medical and Personal Accident cover for the following activities, conducted on an incidental basis whilst you are on holiday:
  UK Grade 1  - Archery (amateur)
   - Badminton (amateur)
   - Baseball (amateur)
   - Basketball (amateur)
   - Beach Games
   - Bungee Jump (1)
   - Camel/Elephant Riding
   - Canoeing (Up to Grade 3)
   - Clay Pigeon Shooting
   - Cricket (amateur)
   - Cycling (other than specified)
   - Dinghy Sailing
   - Fell Walking
   - Fencing
   - Fishing
   - Football (amateur)
   - GAA Football (amateur)
   - Golf (amateur)
   - Hiking (under 2,000 metres altitude)
   - Hockey (amateur)
   - Horse Riding (up to 7 days)
   - Ice Skating (Rink)
   - Jet Boating
   - Jet Ski-ing
   - Jogging
   - Manual Work (bar and restaurant, waitress, waiter, chalet maids, au pair and nanny's and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)
   - Marathon Running (amateur)
   - Motorcycling up to 125cc (wearing a crash helmet, no racing)
   - Netball (amateur)
   - Non manual work (Including professional administrative or clerical duties only)
   - Orienteering
   - Outwardbound Pursuits
   - Paintballing
   - Parascending (over water)
   - Pony Trekking
   - Quad biking up to 50cc (wearing a crash helmet, no racing)
   - Racquetball
   - Rambling
   - River Canoeing (Up to Grade 3)
   - Roller Skating
   - Roller Blading
   - Rounders
   - Rowing
   - Running - sprint/long distance (amateur)
   - Safari (Ireland/UK organised)
   - Sail Boarding
   - Sailing within territorial waters
   - Scuba Diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor * see the specific question regarding Scuba Diving
   - Skate Boarding
   - Snorkelling
   - Squash (amateur)
   - Surfing (amateur, under 14 days)
   - Tennis (amateur)
   - Tour Operator Safari
   - Track Events
   - Trekking (under 2,000 metres altitude)
   - Volleyball (amateur)
   - War Games
   - Water Polo (amateur)
   - Water ski-ing (amateur)
   - Windsurfing (amateur)
   - Yachting (racing/crewing inside territorial waters)
  

• What is the difference between ‘Incidental and Non Incidental basis'?

  An incidental basis means that the activity you are doing on holiday is not the specific reason for going on the holiday. Non Incidental is exactly the opposite.
  Examples: "I am going on holiday and may have a go a Scuba Diving whilst I'm out there, if I can find a place that does it." - That would be participation in an activity on an 'Incidental' basis. "I am going on a specific Scuba Diving holiday, where my main intention is to Scuba Dive" - That would be on participation on a 'Non Incidental' basis.

• I cannot find the Hazardous Activity I want to do on this list?

  See Additional Hazardous Activities below in higher grades. If you still can't find your activity listed, please contact us on 0844 871 6181

• What additional Hazardous Activities can I obtain cover for, subject to payment of an additional premium.

  We can also provide Medical and Personal Accident cover for the following Activities, as per the terms and conditions stated in the policy wording, subject to payment of an additional premium.
  
  Grade 2 - A 50% Loading on your existing travel premium to cover all activities or £30 per activity if individually selected. Medical excess £320 and 50% personal accident cover reduction.
   - Boxing Training (no contact)
   - Bungee Jump (up to 3 additional jumps)
   - Black Water Rafting (Grade 1 to 4) Life jacket and Helmet must be worn
   - Camel/Elephant Riding/Trekking (non Incidental)
   - Cycle Touring
   - Go Karting (Specific use)
   - Horse Riding (no Polo, Hunting Jumping)
   - Hot Air Ballooning (non Incidental)
   - Hurling (amateur)
   - Jet Skiing (non Incidental)
   - Martial Arts (Training only)
   - Mountain Biking
   - Parascending (over water, non Incidental)
   - Rambling/Trekking between 2,001m and 4,200m
   - Safari (non-Irl/UK organised)
   - Scuba Diving* (non Incidental/down to 50m) if qualified and not diving alone or accompanied by a    qualified instructor (see notes below)
   - Sea Canoeing
   - Sea Fishing (non Incidental)
   - Surfing (amateur)
   - Triathlon
   - Waterskiing/ Windsurfing/Snorkelling (non Incidental)
  
  
  Grade 3 - A 100% loading on your existing travel premium to cover all activities or £75 per activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.
   - Abseiling
   - American Football (amateur)
   - Gliding
   - Kayaking
   - Motorcycling (with a motorcycle licence, over 50cc wearing a crash helmet - no racing)
   - Paragliding
   - Rambling/Trekking between 4,201m and 6,000m (professionally organised with experienced    operators - max age 45 yrs)
   - Rugby (amateur competition)
   - Sand Yachting
   - Tandem Skydive (up to 2 jumps maximum)
   - White Water Rafting (Grade 1-4)
   - Yachting (racing/crewing) outside territorial waters
  
  
  Grade 4 - A 200% loading on your existing travel premium to cover all activities or £112.50 per activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.
   - Hand Gliding
   - High Diving under 5m (amateur, excluding cliff diving)
   - Horse Jumping (no Polo, Hunting)
   - Micro Lighting
   - Parasailing
   - Rock Climbing (under 2,000m)
   - Rock Scrambling (under 4,000m)
   - Canyoning
   - Kite Surfing
  

• Amateur is listed next to some of the Activities, what does this mean?

  Amateur status is listed beside such sports as running, rugby, football, surfing , tennis and Waterskiing, this means that if you intend to play these sports abroad professionally (i.e. you will be receiving a monetary reward for participation in them) there is no cover under the terms and conditions of the policy for this.

• Does Multitrip.com cover scuba diving?

  Beginners: (This cover is provided free of charge) on an Incidental Basis
  Scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:
   - PADI Open Water - 18 metres
   - PADI Advanced Open Water - 30 metres*
   - BSAC Ocean Diver - 20 metres
   - BSAC Sports Diver - 30 metres*
   - BSAC Dive Leader - 30 metres*
  
  
  We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover you to dive to a depth of 18 metres.
  You will not be covered under this policy if you travel by air within 24 hours after participating in Scuba Diving.
  
  Advanced: (This Cover is subject to Grade 2 Activities additional premium) for Greater Dive Depths and Non Incidental Coverage.
  Scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:
  
   - PADI Open Water - 18 metres
   - PADI Advanced Open Water - 30 metres
   - BSAC Ocean Diver - 20 metres
   - BSAC Sports Diver - 35 metres*
   - BSAC Dive Leader - 50 metres*
  
  
  We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover you to dive to a depth of 18 metres.
  You will not be covered under this policy if you travel by air within 24 hours after participating in Scuba Diving.

• What is the maximum altitude allowed for trekking?

  Our policy covers up to 2,000m on our standard Grade 1 Cover which is included at no additional charge. Above this level, we can then provide trekking for up to 4,200m on our Grade 2 Cover or up to 6,000m on our Grade 3 Cover with an additional premium payable.