Navigator SILVER and GOLD policies are underwritten by PTI Insurance Company Ltd.
The age restrictions on our policies ensure that we are able to bring you the most competitive rates, as insurers exposure to claims risk is reduced.
We are aware that the conditions relating to insurance cover are generally regarded as a rip-off and there is a serious lack of understanding about the scope of cover that is provided on insurance policies.
After years of involvement in the travel insurance industry, we have built up a good understanding of the main areas where problems can arise. We would like to share this knowledge with you, so that you enter into the buying process with your eyes wide open and with a better understanding of the product that you are buying and will be relying on during your travels.
Our policies cover common conditions such as asthma and diabetes (provided that they are stable and controlled) but most travel insurance policies don’t.
On the vast majority of travel insurance policies the curtailment section is only designed to pay the ADDITIONAL COSTS that you might incur in cutting a trip short due to the illness or death of a close relative back home (provided that their illness or death was not the result of a pre-existing condition).
This section is often misunderstood. This cover is not designed to cover the cost of your defence if you get arrested overseas. It is designed to help you or your family bring a case against someone who has caused your injury or death whilst travelling. Read this section carefully.
Personal Liability claims made against you that result from you being in charge of vehicles or animals are NOT covered. This can include cars, motorcycles, horses, aircraft, boats etc. In the case of motor vehicles, this is not usually a problem, as the law usually insists that cover is provided by the car or motorcycle insurance, but activities such as horseriding or sailing could be a problem.
Short stay insurance offers 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.
Navigator’s GOLD and SILVER products 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.
Annual Multi Trip insurance cover 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.
Navigator offers four online insurances that cover working and many sports and hazardous activities. Our BACKPACKER and STANDARD LONGSTAY products 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.
