Renewing your Annual Multi Trip travel insurance policy each year saves you the hassle of having to set up a new policy and gives you peace of mind that you are covered when you travel. 

What happens when my Annual Multi trip policy is due for renewal? 

Where possible, we'll automatically renew your policy each year - to make things easier and help you avoid travelling without cover in place. 

Full details of our renewal process can be found in our Terms of Business here.

How does automatic renewal work? 

We will write to you at least 3 weeks before your policy is due to expire to provide you with details of the new premium and any changes to the policy terms and conditions. If you are still eligible and are happy with the renewal information, you do not need to contact us as we will automatically collect your premium and renew your policy.

When will my renewal payment be taken?

Payment will be taken from the original credit/ debit card two weeks before the renewal date. Please note that, for security, we do not store your credit/debit card details, at renewal, we will send a unique code to the bank that holds your payment details which authorises them to charge the relevant premium to your original payment card.

What happens if I want to make changes?

We will remind you to tell us about any changes to your personal circumstances, including any medical conditions. If your previous policy included cover for any medical conditions, you will not be eligible for automatic renewal so you will be advised to tell us about them again (including any new medical conditions that you may now have). 

If you would like to make any changes to the policy including adding cover for a medical condition, please contact our customer services team. 

What if my credit/debit card used last year has expired?

If the card has been renewed, then your bank should still allow payment to be collected. If payment cannot be taken, we will contact you before your policy ends to arrange renewal.

What if I have changed my mind?

If you do not want us to automatically renew your policy, all you need to do is contact customer services by using our contact us page or by emailing customer.services@columbusdirect.com and let us know before payment is taken. 

Once payment has been taken you can still cancel the new policy and obtain a full refund but you must contact us within 14 days from the date you receive your new policy documentation.

How do I stop my policy being auto renewed?

You can opt out of auto renewal when you purchase your policy online, by ticking the opt out of auto renewal box on step 4 of the quote process. Alternatively you can cancel auto renewal at any time by emailing us at customer.services@columbusdirect.com 

If we have sent you a renewal invitation but haven’t offered to renew your policy automatically

If you have chosen to opt out of auto renewal or we are unable to offer automatic renewal due to us needing to check some details with you before your policy renews (an example of this would be where cover is provided for a medical condition).  It’s still easy to renew. 

We will write to you 3 weeks before your policy is due to provide you with details of the new premium and any changes to the policy terms and conditions. 

If you receive your renewal notification by email, you may be able to click on a link to view your quote and renew online. If your invitation does not contain a link, you can simply get a quote and purchase a new policy online. Enter your policy start date as the day after your current policy expires to ensure continuous cover.

If you need to declare a Pre-Existing Medical Condition on your policy

Click on the link within your renewal invitation to go through medical screening and pay for your policy online.

Making changes to your renewal policy

If you would like to make any changes to your policy including updating personal details, changing destination or adding additional cover, please contact our customer services team by using our contact us form.

Cancelling your renewal policy

If you change your mind and wish to cancel your renewal policy please contact us by either using our contact us form or by sending an email to customer.services@columbusdirect.com within 14 days of receiving your new policy documentation.  

Why has my renewal premium gone up this year?

We review our products and pricing regularly to ensure we remain competitive and offer good value.  There can be a number of reasons why your premium has increased since last year. For instance, the age of the people travelling on your policy can influence price, as can their medical conditions. 

We offer three great levels of cover, which can be tailored with a range of additional options including gadget cover, cruise cover and winter sports. 

For more information on the cover we can offer please click here for more information. 

If you have any questions regarding the cover we offer a member of our customer services team would be happy to help.