CoverForYou.com

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.

CoverForYou.com
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Travel insurance

Ranked 27th of 44 providers reviewed.

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%

Gadget insurance

CoverForYou.com

Premium

5 stars
Accidental loss cover i
Mechanical breakdown cover i
Maximum single-item cover limit i Sum Insured
Tablets i
Territorial limits restriction i
Accidental damage cover i
Mechanical breakdown cover replacement limit i Sum Insured
Theft Cover i
Theft replacement limit i Sum Insured
Malicious damage cover i
Unauthorised usage cover i £2,500.00
Unauthorised usage cover (E-wallet) i £0.00
Accessories cover limit i £150.00
How is the excess charged? i Choice of excess
Lowest excess i £60.00
Liquid damage excess i £60.00
Theft & loss claims excess i £60.00
Accidental damage and breakdown claims excess i £60.00
Cancellation fee i £0.00
Arrangement fee i £0.00
Additional excess charge i £49.99
Immediate cover with no additional excess in the first 30 days of the policy i FALSE
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
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
Type of product i Stand-Alone
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i Bastion Insurance Services Limited
Age of customer requirement i 18
No claims period i Immediate Cover
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i No Territiorial Limits Mentioned
Maximum age of phones i 12 Months
Maximum age of gadgets eligible for cover i 12 Months
Smartphones i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks Or Laptops
5 stars
Accidental loss cover i Y (Mobile phones/tablets/watches/laptops only)
Mechanical breakdown cover i
Maximum single-item cover limit i Sum Insured
Tablets i
Territorial limits restriction i
Accidental damage cover i
Mechanical breakdown cover replacement limit i Sum Insured
Theft Cover i
Theft replacement limit i Sum Insured
Malicious damage cover i
Unauthorised usage cover i £2,500.00
Unauthorised usage cover (E-wallet) i £0.00
Accessories cover limit i £150.00
How is the excess charged? i Choice of excess
Lowest excess i £60.00
Liquid damage excess i £60.00
Theft & loss claims excess i £60.00
Accidental damage and breakdown claims excess i £60.00
Cancellation fee i £0.00
Arrangement fee i £0.00
Additional excess charge i £49.99
Immediate cover with no additional excess in the first 30 days of the policy i FALSE
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
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
Type of product i Stand-Alone
Universal gadget policy? i
Family cover i
Multi cover discounts i
Underwriter i Bastion Insurance Services Limited
Age of customer requirement i 18
No claims period i Immediate Cover
Refurbished device cover i
Second hand device cover i
Territorial limits restriction i United Kingdom, Isle of Man, Channel Islands
Maximum age of phones i 12 Months
Maximum age of gadgets eligible for cover i 12 Months
Smartphones i
Smart watches i
Game Consoles i
Headphones i
Cameras i
E-readers i
Sat-Navs i
MP3 Players i
MacBooks Or Laptops

Motor Excess Cover

Annual Car Hire Excess Insurance

CoverForYou.com

Annual Worldwide Excess (excluding US)

2 stars
Excess cover per claim i £7,500.00
Administration fees cover i £7,500.00
Family cover / dual lead driver i Optional

CoverForYou.com

Annual European Excess

2 stars
Excess cover per claim i £7,500.00
Administration fees cover i £7,500.00
Family cover / dual lead driver i Optional

CoverForYou.com

Annual Worldwide Excess

2 stars
Excess cover per claim i £7,500.00
Administration fees cover i £7,500.00
Family cover / dual lead driver i Optional

Single Trip Car Hire Excess Insurance

CoverForYou.com

Single Trip Worldwide Excess

2 stars
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

CoverForYou.com

Single Trip Worldwide Excess (excluding US)

2 stars
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

CoverForYou.com

Single Trip European Excess

2 stars
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

Travel insurance

Annual multi-trip insurance

4 stars
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Mental health cover i
Personal money i £300.00
Combined passport & travel documents cover limit i £150.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 45 days

CoverForYou.com

Platinum

4 stars
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cancelling before travel cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £250.00
Cutting trip short (curtailment) cover limit i £7,500.00
Abandoning your trip (abandonment) cover limit i £7,500.00
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 62 days
3 stars
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cancelling before travel cover limit i £2,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Mental health cover i
Personal money i £200.00
Combined passport & travel documents cover limit i £100.00
Cutting trip short (curtailment) cover limit i £2,000.00
Abandoning your trip (abandonment) cover limit i £2,000.00
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Max trip duration i 32 days

Single trip insurance

4 stars
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
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
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £300.00
Combined passport & travel documents limit i £150.00

CoverForYou.com

Platinum

4 stars
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
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
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £250.00
3 stars
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
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
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £200.00
Combined passport & travel documents limit i £100.00

Travel insurance add-on: cruise cover

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £0.00
Missed port departure excess i
Timetable/itinerary change cover limit i £125.00
Unused excursions cover limit i £300.00
1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £500.00
Missed port departure excess i
Timetable/itinerary change cover limit i £250.00
Unused excursions cover limit i £500.00

CoverForYou.com

Platinum

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i
Timetable/itinerary change cover limit i £500.00
Unused excursions cover limit i £750.00

Travel insurance add-on: winter sports

CoverForYou.com

Platinum

5 stars
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
Avalanche closure cover limit i £500.00
Piste closure cover limit i £500.00
Ski equipment owned excess i £0.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £400.00
Unused ski pass due to illness or injury i £750.00
4 stars
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
Avalanche closure cover limit i £400.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £0.00
Ski equipment hired i £200.00
Single item limit for hired equipment i £200.00
Unused ski pass due to illness or injury i £500.00
3 stars
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
Avalanche closure cover limit i £250.00
Piste closure cover limit i £250.00
Ski equipment owned excess i £0.00
Ski equipment hired i £150.00
Single item limit for hired equipment i £150.00
Unused ski pass due to illness or injury i £250.00