CoverForYou is a trading name of Gibraltar-based insurer Worldwide Internet Insurance Services.
CoverForYou offers general travel policies as well as specialist cover for golf trips, backpackers, cruises and winter sports.
Its policies are underwritten by AXA Insurance.
Worldwide Internet Insurance Services also owns the Cedar Tree Travel Insurance and Outbacker brands.
Their headquarters are based in London, UK.
We don't get paid for any links on our site.
| Customer happiness score | 51.23% |
|---|---|
| Customer trust score | 46.01% |
| Complaints performance | 61.48% |
| Transparency rating | 64.18% |
| Fairer Finance score Reviewed Autumn 2023 |
56% |
| Accidental loss cover i | Y (Mobile phones/tablets/watches/laptops only) |
|---|---|
| Mechanical breakdown cover i | |
| Maximum single-item cover limit i | Unlimited |
| Type of product i | Stand-Alone |
| How is the excess charged? i | Choice of excess |
| Accidental damage cover i | |
| Lowest excess i | £60.00 |
| Liquid damage excess i | £60.00 |
| Theft & loss claims excess i | £60.00 |
| Mechanical breakdown cover replacement limit i | Sum insured |
| Theft Cover i | |
| Accidental damage and breakdown claims excess i | £60.00 |
| Theft replacement limit i | Sum insured |
| Cancellation fee i | £0.00 |
| Malicious damage cover i | |
| Arrangement fee i | £0.00 |
| Additional early claims excess i | £49.99 |
| Unauthorised usage cover i | £10,000.00 |
| Immediate cover with no additional excess in the first 30 days of the policy i | |
| Unauthorised usage cover (E-wallet) i | £0.00 |
| Accessories cover limit i | £150.00 |
| High end smartphones (>£1,000) minimum excess i | £60.00 |
| High end tablets (>£1,200) minimum excess i | £60.00 |
| High end laptops (>=£1,500) minimum excess i | £60.00 |
| High end MacBooks (>=£1,500) minimum excess i | £60.00 |
| Universal gadget policy? i | |
| Family cover i | |
| Multi cover discounts i | |
| Underwriter i | Collinson Insurance |
| Age of customer requirement i | 18.00 years |
| No claims period i | Immediate Cover |
| Refurbished device cover i | |
| Second hand device cover i | |
| Territorial limits restriction i | Worldwide |
| Maximum age of phones i | 12 months |
| Maximum age of gadgets eligible for cover i | 12 months |
| Rapid replacement i | |
| Pro-rata refund i | |
| Claim under warranty i | |
| Replacement claims limit per Item for accidental damage/mechanical failure i | Unlimited |
| Replacement claims limit per Item for theft or loss i | Unlimited |
| Replacement warranty i | 12 months |
| International cover limit (Days) i | Unlimited |
| Smartphones i | |
| Tablets i | |
| Smart watches i | |
| Game Consoles i | |
| Headphones i | |
| Cameras i | |
| E-readers i | |
| Sat-Navs i | |
| MP3 Players i | |
| MacBooks or Laptops |
| Accidental loss cover i | Not Covered |
|---|---|
| Mechanical breakdown cover i | |
| Maximum single-item cover limit i | Unlimited |
| Type of product i | Stand-Alone |
| How is the excess charged? i | Choice of excess |
| Accidental damage cover i | |
| Lowest excess i | £60.00 |
| Liquid damage excess i | £60.00 |
| Theft & loss claims excess i | £60.00 |
| Mechanical breakdown cover replacement limit i | Sum insured |
| Theft Cover i | |
| Accidental damage and breakdown claims excess i | £60.00 |
| Theft replacement limit i | Sum insured |
| Cancellation fee i | £0.00 |
| Malicious damage cover i | |
| Arrangement fee i | £0.00 |
| Additional early claims excess i | £49.99 |
| Unauthorised usage cover i | £2,500.00 |
| Immediate cover with no additional excess in the first 30 days of the policy i | |
| Unauthorised usage cover (E-wallet) i | £0.00 |
| Accessories cover limit i | £150.00 |
| High end smartphones (>£1,000) minimum excess i | £60.00 |
| High end tablets (>£1,200) minimum excess i | £60.00 |
| High end laptops (>=£1,500) minimum excess i | £60.00 |
| High end MacBooks (>=£1,500) minimum excess i | £60.00 |
| Universal gadget policy? i | |
| Family cover i | |
| Multi cover discounts i | |
| Underwriter i | Collinson Insurance |
| Age of customer requirement i | 18.00 years |
| No claims period i | Immediate Cover |
| Refurbished device cover i | |
| Second hand device cover i | |
| Territorial limits restriction i | Worldwide |
| Maximum age of phones i | 12 months |
| Maximum age of gadgets eligible for cover i | 12 months |
| Rapid replacement i | |
| Pro-rata refund i | |
| Claim under warranty i | |
| Replacement claims limit per Item for accidental damage/mechanical failure i | Unlimited |
| Replacement claims limit per Item for theft or loss i | Unlimited |
| Replacement warranty i | 12 months |
| International cover limit (Days) i | Unlimited |
| Smartphones i | |
| Tablets i | |
| Smart watches i | |
| Game Consoles i | |
| Headphones i | |
| Cameras i | |
| E-readers i | |
| Sat-Navs i | |
| MP3 Players i | |
| MacBooks or Laptops |
| Excess cover per claim i | £7,500.00 |
|---|---|
| Key protection per claim limit i | £500.00 |
| Administration fees cover i | £7,500.00 |
| Family cover / dual lead driver i | Optional |
| Medical excess i | £0.00 |
|---|---|
| Cancelling before travel cover limit i | £7,500.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £3,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 62 days |
| Cutting trip short (curtailment) cover limit i | £7,500.00 |
| Abandoning your trip (abandonment) cover limit i | £7,500.00 |
| Personal money i | £500.00 |
| Combined passport & travel documents cover limit i | £250.00 |
| Natural disaster relocation cover i |
| Medical excess i | £0.00 |
|---|---|
| Cancelling before travel cover limit i | £5,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 45 days |
| Cutting trip short (curtailment) cover limit i | £5,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Personal money i | £300.00 |
| Combined passport & travel documents cover limit i | £150.00 |
| Natural disaster relocation cover i |
| Medical excess i | £0.00 |
|---|---|
| Cancelling before travel cover limit i | £7,500.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £3,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 62 days |
| Cutting trip short (curtailment) cover limit i | £7,500.00 |
| Abandoning your trip (abandonment) cover limit i | £7,500.00 |
| Personal money i | £500.00 |
| Combined passport & travel documents cover limit i | £250.00 |
| Natural disaster relocation cover i |
| Medical excess i | £0.00 |
|---|---|
| Cancelling before travel cover limit i | £5,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 45 days |
| Cutting trip short (curtailment) cover limit i | £5,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Personal money i | £300.00 |
| Combined passport & travel documents cover limit i | £150.00 |
| Natural disaster relocation cover i |
| Medical excess i | £0.00 |
|---|---|
| Cancelling before travel cover limit i | £2,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £1,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 32 days |
| Cutting trip short (curtailment) cover limit i | £2,000.00 |
| Abandoning your trip (abandonment) cover limit i | £2,000.00 |
| Personal money i | £200.00 |
| Combined passport & travel documents cover limit i | £100.00 |
| Natural disaster relocation cover i |
| Medical excess i | £0.00 |
|---|---|
| Cancelling before travel cover limit i | £2,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £1,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 32 days |
| Cutting trip short (curtailment) cover limit i | £2,000.00 |
| Abandoning your trip (abandonment) cover limit i | £2,000.00 |
| Personal money i | £200.00 |
| Combined passport & travel documents cover limit i | £100.00 |
| Natural disaster relocation cover i |
| Cancelling before travel cover limit i | £7,500.00 |
|---|---|
| Medical excess i | £0.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £3,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Cutting trip short curtailment cover limit i | £7,500.00 |
| Missed departure cover limit i | £500.00 |
| Abandoning your trip (abandonment) cover limit i | £7,500.00 |
| Personal money i | £500.00 |
| Combined passport & travel documents limit i | £250.00 |
| Cancelling before travel cover limit i | £7,500.00 |
|---|---|
| Medical excess i | £0.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £3,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Cutting trip short curtailment cover limit i | £7,500.00 |
| Missed departure cover limit i | £500.00 |
| Abandoning your trip (abandonment) cover limit i | £7,500.00 |
| Personal money i | £500.00 |
| Combined passport & travel documents limit i | £250.00 |
| Cancelling before travel cover limit i | £5,000.00 |
|---|---|
| Medical excess i | £0.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Cutting trip short curtailment cover limit i | £5,000.00 |
| Missed departure cover limit i | £500.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Personal money i | £300.00 |
| Combined passport & travel documents limit i | £150.00 |
| Cancelling before travel cover limit i | £2,000.00 |
|---|---|
| Medical excess i | £0.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £1,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Cutting trip short curtailment cover limit i | £2,000.00 |
| Missed departure cover limit i | £0.00 |
| Abandoning your trip (abandonment) cover limit i | £2,000.00 |
| Personal money i | £200.00 |
| Combined passport & travel documents limit i | £100.00 |
| Cancelling before travel cover limit i | £2,000.00 |
|---|---|
| Medical excess i | £0.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £1,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Cutting trip short curtailment cover limit i | £2,000.00 |
| Missed departure cover limit i | £0.00 |
| Abandoning your trip (abandonment) cover limit i | £2,000.00 |
| Personal money i | £200.00 |
| Combined passport & travel documents limit i | £100.00 |
| Cancelling before travel cover limit i | £5,000.00 |
|---|---|
| Medical excess i | £0.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Cutting trip short curtailment cover limit i | £5,000.00 |
| Missed departure cover limit i | £500.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Personal money i | £300.00 |
| Combined passport & travel documents limit i | £150.00 |
| Ski equipment owned cover limit i | £1,000.00 |
|---|---|
| Single owned item cover limit i | £500.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £500.00 |
| Ski equipment owned excess i | £0.00 |
| Ski equipment hired i | £400.00 |
| Single item limit for hired equipment i | £500.00 |
| Avalanche closure cover limit i | £500.00 |
| Piste closure cover limit i | £500.00 |
| Unused ski pass due to illness or injury i | £750.00 |
| Ski equipment owned cover limit i | £1,000.00 |
|---|---|
| Single owned item cover limit i | £500.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £500.00 |
| Ski equipment owned excess i | £0.00 |
| Ski equipment hired i | £400.00 |
| Single item limit for hired equipment i | £500.00 |
| Avalanche closure cover limit i | £500.00 |
| Piste closure cover limit i | £500.00 |
| Unused ski pass due to illness or injury i | £750.00 |
| Ski equipment owned cover limit i | £750.00 |
|---|---|
| Single owned item cover limit i | £375.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £400.00 |
| Ski equipment owned excess i | £0.00 |
| Ski equipment hired i | £200.00 |
| Single item limit for hired equipment i | £375.00 |
| Avalanche closure cover limit i | £400.00 |
| Piste closure cover limit i | £400.00 |
| Unused ski pass due to illness or injury i | £500.00 |
| Ski equipment owned cover limit i | £750.00 |
|---|---|
| Single owned item cover limit i | £375.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £400.00 |
| Ski equipment owned excess i | £0.00 |
| Ski equipment hired i | £200.00 |
| Single item limit for hired equipment i | £375.00 |
| Avalanche closure cover limit i | £400.00 |
| Piste closure cover limit i | £400.00 |
| Unused ski pass due to illness or injury i | £500.00 |
| Ski equipment owned cover limit i | £500.00 |
|---|---|
| Single owned item cover limit i | £250.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £250.00 |
| Ski equipment owned excess i | £0.00 |
| Ski equipment hired i | £150.00 |
| Single item limit for hired equipment i | £250.00 |
| Avalanche closure cover limit i | £250.00 |
| Piste closure cover limit i | £250.00 |
| Unused ski pass due to illness or injury i | £250.00 |
| Ski equipment owned cover limit i | £500.00 |
|---|---|
| Single owned item cover limit i | £250.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £250.00 |
| Ski equipment owned excess i | £0.00 |
| Ski equipment hired i | £150.00 |
| Single item limit for hired equipment i | £250.00 |
| Avalanche closure cover limit i | £250.00 |
| Piste closure cover limit i | £250.00 |
| Unused ski pass due to illness or injury i | £250.00 |