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