Where you travel to will influence your premium. So, when you get a quote online here or over the phone, you need to tell us your destinations.

Where are you travelling to?

Select a region that best covers your travel plans. The region you choose should include all the countries you are travelling to. For example

• if you are travelling the USA and Europe, you must select Worldwide as this will cover both areas.
• if you are travelling to France and the UK, you must select Europe, Asia and the Middle East as your area/region of travel.

Travelling to the Americas or Africa?

If you'll be spending 20% or more of your trip in the Americas or Africa, you must select  "Anywhere in the world" or " Worldwide including the Americas or Africa" or enter and select a country of the Americas or Africa (no matter where you are going before or after).

What about a cruise?

• In Australia (e.g. on the Murray River) or in Australian coastal waters (e.g. a Kimberley Cruise) - Please choose or enter "Australia"
• From a port in Australia to another port or ports in Australia without any stopover at a port outside of Australia (e.g. a 'Sampler Cruise', a cruise from Sydney to Brisbane) - Please choose or enter "Domestic Cruising".
• Overseas (e.g. a European river cruise, Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/Singapore) - Please choose or enter the main area or destination/country based on where you will spend the most time on your trip.

Looking for an Annual Multi-Trip policy?

Please enter and select the country or region which will cover all the countries you plan on visiting over the year and where you will spend the most time taking into account the 20% rule above for the Americas and Africa. Cover includes domestic journeys if the destination is more than 250 kilometres from home or, if less than that, Your trip must include at least one night paid accommodation booked with an accommodation supplier or provider (including a hotel, Bed & Breakfast (B&B), serviced apartment or peer to peer service such as Airbnb).