Direct Travel Insurance Review

Direct  Travel Insurance Review

Direct Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Direct Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Direct and who underwrites their policies?

Established in 1992 the company specialises in travel insurance. They are a trading name of Brokersure Ltd. Brokersure is a specialist travel insurer working with Insurers, brokers, affiinity groups and scheme providers. All Travel Insurance policies are underwritten at Lloyds of London  by Chaucer Syndicates Ltd, who are authorised and regulated by the Financial Conduct Authority.

With four levels of cover to choose from Budget, Standard, Premier, including their five star rated Premier Plus and policies starting from as little as £8.70 , Direct-Travel have a policy to suit everyone. At 64 page, the policy booklet is certainly comprehensive, however it is laid out in an easy to use manner, providing help and advice from start to finish. We strongly recommend reading our review and the policy booklet for purchasing travel insurance.

Direct Travel Insurance Policies are Underwritten By Chaucer Syndicates 1084

How 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 Direct Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Direct Travel Insurance, they are Premier Plus, Premier, Standard, Budget, we have rated these as follows:-

Rating for Single Trip Premier Plus:

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Rating for Single Trip Budget:

Single Trip Travel Insurance Guide here
Direct Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Direct Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Direct Travel Insurance, they are Budget, Standard, Premier, Premier Plus, we have rated these as follows:-

Rating for Annual Budget:

Rating for Annual Standard:

Rating for Annual Premier:

Rating for Annual Premier Plus:

Annual Travel Insurance Guide here
Direct Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

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 Direct Travel Insurance's travel policy wording

1

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

A person who is 17 years of age or under

2

What are the policy age limits?

All insured persons must be the following ages or under at the date of buying this insurance:
Budget Policies – 65 years of age or under
Standard Policies – 70 years of age or under
Premier Policies – 75 years of age or under
Premier Plus Policies – 75 years of age or under

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration - This gives you cover to travel on one trip for up to 365 days if you are 65 years of age or under.

Annual Multi Trip, Trip Duration - You are covered to travel as many times as you like within the period of cover provided no single trip lasts longer than the following durations.

• Budget     – 17 days
• Standard  – 21 days
• Platinum and Platinum Plus cover – 31 days (unless the additional premium has been paid to increase this limit and it is noted on your policy certificate)

4

What does the policy offer for Winter Sports cover?

If you have purchased a winter sports Annual Multi Trip policy, cover is also provided for up to the following durations in total for winter sports within the period of cover.
• Silver Cover : 17 days
• Gold and Platinum Cover: 21 days
• Platinum Plus: 31 days

The policy lists over 30 winter sports activities that are automatically included in the winter sports section of the policy (provided you have paid the additional premium)

5

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

A policy can be taken out by one individual, couple, family or group.

Family - up to 2 adults and any number of children/foster children ages 17 years or under at the time of travel. The children are only insured when travelling with one or both of the insured adults, but under Annual Multi Trip cover, either adult and the children (accompanied by a responsible adult) are also insured to travel on their own.

A group can be up to six individuals. There is a small discount for groups.

6

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

EHIC not Mandatory, but strongly advised. If travelling to Australia and you need treatment you should enrol in Medicare.

7

What is covered under Sports and Activities on the policy?

Over 100 activities included as standard, provided they are taken on a recreational and amateur basis.  Specific limitations on certain sports that might be considered dangerous, such as climbing with the use of ropes/guides, horse jumping, polo, hunting and white water rafting over grade 2 rivers.

If there is something not on the list that you wish to take part in, you can phone them to see if it can be added.

8

What are the policy Alcohol Exclusion terms?

Policy States “Claims arising from alcohol - We do not expect you to avoid alcohol during your trip, but we will not cover any claim arising from excessive alcohol consumption, by which we mean where you have drunk so much alcohol that you have notably impaired your faculties and/or judgement and you need to make a claim.”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

For Budget Policies - No Cover,

For Standard Policies - Scheduled Airline Failure only

For Premier/Premier Plus Policies - End Supplier Failure (incorporates Scheduled Airline Failure).

Flights/Travel/Accommodation must have been booked in the UK before you departed and in the case of insolvency of the company/agent no threat of this must be known at the time of the policy being issued.  Losses for which a third party is responsible, or which may be recovered by other legal means, are not covered.

Any consequential losses that are not directly associated, are not covered. For example, loss due to being unable to reach your pre-booked hotel following the financial failure of an airline.

10

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

Quotes for people with medical conditions can be given online, you are asked to go through a set of questions in relation to your condition and quotes are provided at the end of this.

Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit.

11

What are the policy rules on travelling when pregnant?

You are not covered if any costs relating to pregnancy or childbirth, if you are more than 26 weeks pregnant at the start of or during your trip.

12

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

Listed under activities - Manual Labour is excluded except for -office and clerical work, bar and restaurant work, music performance and singing, fruit picking (not involving the use of machinery).

Manual labour is described only as work involving physical labour.

If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13

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

Proof of value and ownership of property and money is required, lack of this may mean you are still eligible to claim dependant on the circumstances why you were unable to provide proof.  It would be sensible to keep receipts of any new clothes/property purchased for your holiday and ensure you have current valuations for any valuable items you are taking, if no receipt is available ? for example, expensive watches, jewellery or equipment.

If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification.

14

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

Claims relating to cyber events are excluded. Terrorism is also excluded except for losses under the medical expenses, Hospital Benefit and Personal Accident Sections. Some countries that are considered high risk are also excluded for cover, for example, Afghanistan, Liberia or Sudan.

15

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

Excluded for Budget and Standard Policies, included for Premier, Premier Plus Policies. Covers you for cancellation of your holiday, if you are stranded, travel expenses to get home, car parking and kennel/cattery fees.

16

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

You and all other insured persons must have your main home in the United Kingdom, have a UK National Insurance number (where aged 16 years of age or older) and be registered with a doctor in the UK at the time you buy this policy. Residents of the Isle of Man must have their main home in the Isle of Man and be registered with a local doctor.

Direct 's 'User Friendly' Rating

That's Insurance have reviewed 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 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 Direct Travel Policies

We've highlighted Pro's anc Cons for 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 Direct Travel Insurance.

  • Premier Plus has been awarded a five star rating
  • Medical conditions can be added via the online screening process at the point of sale
  • Comprehensive cover against Catastrophe and Natural Disaster included as standard on Premier and Premier Plus policies

No Con's

What Cover do Direct policies offer.

We've listed below cover levels for policies offered by offered by 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

    Premier Plus

    Single Trip

    Premier

    Single Trip

    Standard

    Single Trip

    Budget

    Single Trip

    Budget

    Annual

    Standard

    Annual

    Premier

    Annual

    Premier Plus

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    40

    75

    100

    150

    150

    100

    75

    40

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    7,500,000

    5,000,000

    5,000,000

    7,500,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    6,000

    4,000

    3,000

    1,500

    1,500

    3,000

    4,000

    6,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    75,000

    30,000

    15,000

    0

    0

    15,000

    30,000

    75,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,000

    1,500

    1,000

    1,000

    1,500

    2,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    250

    200

    125

    125

    200

    250

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    300

    200

    125

    125

    200

    300

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    200

    200

    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

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    25,000

    25,000

    0

    0

    25,000

    25,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    1,500

    0

    0

    1,500

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    1,000

    1,000

    0

    0

    1,000

    1,000

    2,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    200

    200

    0

    0

    200

    200

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    450

    300

    100

    0

    0

    100

    300

    450

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    350

    200

    100

    0

    0

    100

    200

    350

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    600

    600

    0

    0

    600

    600

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    250

    250

    250

    0

    0

    250

    250

    250

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

    0

    0

    0

    0

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    1,500

    0

    0

    0

    0

    1,500

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    N

    N

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    N

    N

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    N

    N

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    N

    N

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    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

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    N

    N

    Y

    Y

Sample Quotes from Direct Travel Insurance.

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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 7

Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier Plus

40

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 350

Baggage 3,000

Personal Accident 75,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 7

Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier Plus

40

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 350

Baggage 3,000

Personal Accident 75,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide

Individual

Age: 71 - 75

Trip Days: 7

Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 600

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 71 - 75

Trip Days: 365

Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier Plus

40

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 350

Baggage 3,000

Personal Accident 75,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 50 - 59

Trip Days: 365

Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 600

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 18 - 29

Trip Days: 365

Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 600

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Direct Travel Insurance

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for Direct - No Current Discount Codes

Visit Direct Travel Insurance's Website and Get a Quotation direct

Customer Reviews of Direct Travel Insurance

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We hope that you have found this Direct Travel Insurance Review helpful. If you have experience of Direct Travel Insurance, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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