by Sam Leaver


9 October 2019




ATOL are predicting that 5.2 million of us will book a holiday this month, with ‘having something to look forward to’ cited as a major reason for booking early.

It’s not the most exciting part of your holiday but we always recommend booking your travel insurance as soon as you book your holiday to make sure you’re protected.

If you’re planning more than one holiday this year it can sometimes work out cheaper to take out an annual multi trip policy.

Here we explain the differences to help you decide.

Single trip travel insurance

  • A policy that covers a one-off holiday.

  • Single trip insurance is usually cheaper if you’re only travelling once in 12 months.

  • Cancellation cover will start as soon as you pay for your policy – meaning you have instant protection.

  • Cover for the duration of your holiday – you only pay for the number of days you’re away.

  • There are no age limits on our single trip insurance policies.

  • There is greater flexibility in relation to cover for pre-existing medical conditions.

  • You can add additional cover such as; winter sports, cruise cover and business equipment.

Annual multi-trip insurance

  • Covers all of your trips for a 12 month period – even UK breaks.

  • You’ll only pay once for 12 months’ cover, unless you need to make changes.

  • It will cover an unlimited amount of holidays (there may be a restriction on the maximum number of days you can be away at any one time, usually 31 but this can be extended).

  • Cancellation cover starts on the start date of your policy and will cover all of your trips within the policy period – usually 12 months from the start date.

  • Some of our annual policies include free winter sports cover as standard.

  • Our annual policies are available for travellers up to the age of 75.

Are there differences in cover?

All of our single trip and annual multi-trip insurance policies come with:

  • Medical expenses

  • Repatriation expenses

  • Cancellation cover

  • Baggage cover

  • Cash and Money

  • Loss of travel documents

  • Personal liability

  • Legal expenses

Meaning you’ll get the same comprehensive cover giving you peace of mind whether you take a one-off or a multi-trip policy.

Which policy is right for me?

This will depend on your travel plans for the next 12 months, if you only plan on taking one trip we would always recommend single trip cover as this is generally the cheaper option of the two.

If you are planning more than one trip it’s always worth considering taking out an annual multi-trip insurance policy. However if you are travelling in Europe for three of your trips and have one in the USA it could be cheaper to take an annual European policy and then arrange a separate single trip policy for your trip to the USA.

We’ll always check all of the options for you to provide you with the best advice and to save you money.

Get your quote online today or if you would like to discuss all of your options call our award-winning staff free on 0800 294 2969.

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