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 23rd of 41 providers reviewed.

Customer happiness 53.06%
Customer trust 46.94%
Complaints performance 63.67%
Transparency rating 63.7%
Fairer Finance score
Reviewed Spring 2023
57%

Gadget insurance

4 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 30
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

CoverForYou.com

Premium

3 stars
Accidental loss cover i Not Covered
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 30
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

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 cover limit i £150.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip 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 cover limit i £250.00
Cutting trip short cover limit i £7,500.00
Abandoning your trip 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 cover limit i £100.00
Cutting trip short cover limit i £2,000.00
Abandoning your trip 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 £150.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £500.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £200.00
Combined passport & travel cover limit i £0.00

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 £250.00
Cutting trip short cover limit i £7,500.00
Missed departure cover limit i £500.00
Abandoning your trip cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £250.00
Combined passport & travel cover limit i £0.00
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 £100.00
Cutting trip short cover limit i £2,000.00
Missed departure cover limit i £0.00
Abandoning your trip cover limit i £2,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £100.00
Combined passport & travel cover limit i £0.00

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