Atlas Direct Travel Insurance Review

Atlas Direct  Travel Insurance Review

Atlas Direct Travel Insurance Review

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Who are Atlas Direct and who underwrites their policies?

**** PLEASE NOTE ATLAS DIRECT TRAVEL ARE NO LONGER TRADING. THE COMPANY WAS DISSOLVED IN AUGUST 2017

ATLAS ARE NO LONGER REGULATED BY THE FCA ****

**** CLICK HERE TO COMPARE OTHER TRAVEL INSURANCE POLICIES ****

Atlas direct uk is the trading name of Atlas Travel Insurance services Ltd an independantly owned company that specialise in Travel Insurance. The company was launched in 1993 and has been providing travel insurance directly to the consumer for over twenty years.

Atlas direct policies are underwritten by URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and the Republic of Ireland Registered in England & Wales.

Single trips start from as little as £2.99 and annual policies £23.36, Atlas Direct provide low cost coverage, with children travelling free on family policies and the Atlas price promise, backed by 20 years of quality service.

Atlas Direct Travel Insurance Policies are Underwritten By URV

How Atlas Direct Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Atlas Direct Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 6 Single Trip Policies from Atlas Direct Travel Insurance, they are Comp Platinum, Comp Gold, Comp Silver, Lite Platinum, Lite Gold, Lite Silver, we have rated these as follows:-

Rating for Single Trip Comp Platinum:

Rating for Single Trip Comp Gold:

Rating for Single Trip Comp Silver:

Rating for Single Trip Lite Platinum:

Rating for Single Trip Lite Gold:

Rating for Single Trip Lite Silver:

Single Trip Travel Insurance Guide here
Atlas Direct Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Atlas Direct Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 6 Annual Policies from Atlas Direct Travel Insurance, they are Lite Silver, Lite Gold, Lite Platinum, Comp Silver, Comp Gold, Comp Platinum, we have rated these as follows:-

Rating for Annual Lite Silver:

Rating for Annual Lite Gold:

Rating for Annual Lite Platinum:

Rating for Annual Comp Silver:

Rating for Annual Comp Gold:

Rating for Annual Comp Platinum:

Annual Travel Insurance Guide here
Atlas Direct Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Atlas Direct Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about Atlas Direct Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

A child is regarded as a person under the age of 19 years.

2

What are the policy age limits?

Single Trip Travel Insurance: age limit is 79

Annual Travel Insurance: age limit is 65

3

What are the policy Trip Duration limits?

A single trip can be taken out for up to 365 days, unless you plan visiting Canada, USA or the Carribean which is restricted to 105 days.

The annual travel policy allows for unlimited trips with each trip lasting no more than 31 days. This can be extended to 45 or 60 days with payment of the relevant additional premium.

4

What does the policy offer for Winter Sports cover?

Wintersports can be included on both the single and annual trip policies, however the annual trip policy limits you to 17 days wintersports cover in each period of insurance. The age limit for wintersports cover is 65.

Wintersports covers the following: Guided cross country skiing (Nordic skiing), glacier skiing, recreational racing, snowmobiling, mono skiing, off piste skiing or snowboarding only when accompanied by a locally qualified guide, on piste skiing, on piste snowboarding, and snow sledging. Everything is not covered.

The policy covers Ski equipment  upto £500, Ski Pack upto £75 per day max £300, Lift Pass £250, Ski Equipment delay £20 per day upto £300, Piste Closure £20 per day up to £200 and Avalanche up to £200.  

5

What is classed as a family and how many people can be quoted for?

Family cover means, one or two parents, or one or two grandparents and up to 4 children or grandchidlren. Children or grandchildren include your own children, fostered or adopted children, or children who are unrelated friends or relatives, travelling under the guardianship of the parents  or grandparents.

Under the annual multrip policy, only adults may travel independently.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

The policy strongly advises you to obtain an EHIC card, if you plan on travelling to any EU destination. If any claim is reduced by more than the excess because you have used the EHIC card, then the excess will be waived.

If you are travelling to Australia, you must enrol with the nearest MEDICARE centre, either on arrival or after you first receive any treatment.

7

What is covered under Sports and Activities on the policy?

The Atlas Travel Insurance UK policy, splits activities into four grades. Grade 1 lists 70 sporting activities that are automatically included free of charge, things like Kayaking, snorkelling and windsurfing.

Grade 2 pursuits, can be included but require payments of an additional premium and increased medical excess, personal accident reduced by 50% and no personal liability cover, for example Bungee jumping or Go-Karting

Grade three activities also involve payment of an additional premium an increased medical excess of £500, reduced personal accident and personal liability exclusion, for example Flying a private aircraft, mountain biking, or Yachting.

Grade 4 have the same terms as grade 3 past times, but require a larger additional premium, for example canyoning, or rock climbing under 2000m.

8

What are the policy Alcohol Exclusion terms?

The Atlas Travel Insurance policy wording excludes any claim in respect of your excessive consumption of alcohol, your alcohol intake whilst taking any combination of medication or drugs known (or would reasonably be suspected) to cause drowsiness, impaired vision or judgment when combined with alcohol, whether such drugs are prescribed or not.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

None of the Atlas Travel policies provide cover in respect of Scheduled Airline Failure or End Supplier Failure.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

The Atlas policy as a very small list of acceptable medical conditions, which are automatically covered (provided you only have one). Any other medical condition is excluded under the policy, unless you have contacted them on the following phone number 0203 829 6652 and they have agreed to provide cover in writing.

There is no facility at this time for online medical screening. For more information about taking medication abroad, read our latest guide.

11

What are the policy rules on travelling when pregnant?

The policy provides cover in respect of Medical Emergency and cancellation for complications as a direct result of pregnancy.

Please note the policy does not provide any further guidance regarding definitions or circumstance and we would recommend if travelling whilst pregnant, you contact Atlas Direct to confirm whether they will cover your individual circumstances.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

The policy wording states that Manual Work is excluded in connection with any business, profession or trade. However the following work is automatically included under the Grade 1sports and activities section:

Bar and restaurant, waitress, waiter, chalet-maids, au pair and nanny’s and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery, non manual work, which include professional, administrative or clerical duties only.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

The policy makes a deduction for wear, tear and depreciation on any claim for lost, stolen or damaged possessions.

It also states you must provide an original receipt and or some form of proof of ownership for any items you are claiming for to assist with substantiating your claim.

14

What does the policy cover in the event of war, terrorism or cyber attack?

As with a large number of policies, terrorism is not covered, except in relation to a claim for medical expenses, hospital benefit or personal accident, unless the attack was nuclear, biological or chemical.

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

The Atlas policy does provide automatic cover of up to £500 to assist with additional or replacement accommodation, or returning home, in the event of a catastrophe, described as fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local government directive.

16

Do I have to be a UK resident to be covered under this policy?

Yes, you must be permamently resident in the United Kingdom and be registered with a Medical Practitioner in the United Kingdom, to be eligible to take our insurance.

Atlas Direct 's 'User Friendly' Rating

That's Insurance have reviewed Atlas Direct 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Atlas Direct rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for Atlas Direct Travel Policies

We've highlighted Pro's anc Cons for Atlas Direct , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Atlas Direct Travel Insurance.

  • Quick and easy to obtain a quotation from the website.
  • A single trip policy can be taken out for up to 365 days.
  • No online medical screening available.
  • No cover for scheduled airline or end supplier failure

What Cover do Atlas Direct policies offer.

We've listed below cover levels for policies offered by offered by Atlas Direct Travel Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Comp Platinum

    Single Trip

    Comp Gold

    Single Trip

    Comp Silver

    Single Trip

    Lite Platinum

    Single Trip

    Lite Gold

    Single Trip

    Lite Silver

    Single Trip

    Lite Silver

    Annual

    Lite Gold

    Annual

    Lite Platinum

    Annual

    Comp Silver

    Annual

    Comp Gold

    Annual

    Comp Platinum

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    35

    75

    0

    35

    75

    75

    35

    0

    75

    35

    0

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    0

    0

    0

    0

    0

    0

    2,000

    2,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    250

    250

    0

    0

    0

    0

    0

    0

    250

    250

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    250

    250

    0

    0

    0

    0

    0

    0

    250

    250

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    0

    0

    0

    0

    0

    0

    500

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    200

    200

    0

    0

    0

    0

    0

    0

    200

    200

    200

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    600

    600

    600

    600

    600

    600

    600

    600

    600

    600

    600

    600

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

Sample Quotes from Atlas Direct Travel Insurance.

Listed below are some Sample Quotes offered by Atlas Direct Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

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Primary Cover

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How to Buy Travel Insurance from Atlas Direct Travel Insurance

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Current Discount Codes for Atlas Direct - No Current Discount Codes

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Customer Reviews of Atlas Direct Travel Insurance

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