OUL Direct Travel Insurance Review

OUL Direct  Travel Insurance Review

OUL 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 OUL 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 OUL Direct and who underwrites their policies?

OUL Direct is a trading name of Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority. OUL Direct offer customers three levels of cover, Bronze, Silver and Gold for single trips and Gold cover for annual trips. With a single trip starting at just £5.65 and annual policies from £22.49, OUL have something to suit all budgets. Low cost travel insurance with discounts for families and children under the age of 18 travelling free.

Read our review to see how the policies compare.

OUL Direct Travel Insurance Policies are Underwritten By URV

How OUL 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 OUL Direct Travel Insurance.

Single Trip Policy Ratings Click to Expand

found no policies available for this section.

Single Trip Travel Insurance Guide here
OUL Direct Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
OUL Direct Travel Insurance Review

Annual Policy Ratings Click to Expand

found no policies available for this section.

Annual Travel Insurance Guide here
OUL Direct Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

OUL 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 OUL Direct Travel Insurance's travel policy wording

1

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

Children are classed as those under the age of 18, living at home with you and in full time education

2

What are the policy age limits?

At time of purchase:-

54 or under (Bronze), 65 or under (Silver) and 75 or under (Gold) for Single Trip.

65 or under for Multi Trip

3

What are the policy Trip Duration limits?

Maximum Trip Duration for Single Trip Policies is 94 days. Maximum Trip Duration, per Trip for Annual Policies is 31 days (except for gold Cover which is 45 days).

4

What are the options for Winter Sports cover?

Winter Sports cover is available for the entire duration on Single Trip or for up to 24 days on an Annual Trip.

Winter sports is defined on the policy as Skiing, Snowboarding (on piste only), ice skating, big foot skiing, cross country/Nordic skiing, dry slope skiing, sledging, snowmobiling, snow kiting and snow shoeing.

5

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

An OUL policy can be taken out by a single person, couples and families or even groups of up to ten 10 persons. (There is no premium discount for insuring more than one person)

Family means two adults and their dependents who are under the age of 18, living at home with you and in full time education. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.

6

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

EHIC Mandatory when visiting the EU.  If you are travelling to Australia you must enrol with Medicare on arrival.

7

What is covered under Sports and Activities on the policy?

The OUL policy covers over 70 different sporting and leisure activities as standard (Category A), with the option to include more extreme pursuits listed in Category's B & C, subject to payment of an additional premium.

All activities must be incidental to your trip and for recreational purposes only. 

8

What are the policy Alcohol Exclusion terms?

Policy states “You, your travelling companion, close relative or business associate being under the influence of:-  drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction); alcohol (a blood alcohol level that exceeds 0.19% approximately four pints or four 175ml glasses of wine); solvents, or;  anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Included for Annual Gold Policy only, otherwise not covered.

10

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

Pre-existing medical conditions are not covered by this Insurance Provider.

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?

Policy states: "Pregnancy is not a medical condition so you are able to travel until you are quite late into your pregnancy. Our Policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 for a single pregnancy, or 25 - 40 for a multiple pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

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 under this policy.  Manual Work is defined as  Work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys, or any form of work underground.

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

What are the requirements, if I need to claim for lost, damaged or stolen baggage?

Proof of value and ownership of property and money is required for any item with a purchase price in excess of £50 must be supported by original proof of ownership/purchase. Any items not supported by such proof of ownership/purchase will be paid at the maximum of £50 subject to an overall limit for all such items of £150.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

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 emergency medical expenses.

15

Does the policy cover natural disaster or catastrophe before and during my holiday?

Included for all policies ? up to £500 on payment of an additional premium. Paid for reasonable additional costs of travel and accommodation within a 20 mile radius, to the same standard as those on your booking, to enable you to continue your trip close to that originally booked if the pre-booked accommodation has been damaged by fire, flood, earthquake, storm, lightning, explosion, hurricane or the area is quarantined due to a major outbreak of an infectious disease.

You can opt to include more comprehensive cover against natural disaster.

16

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

You and all other insured persons must be a resident of the United Kingdom, Channel Islands or British Forces Posted Overseas.

OUL Direct 's 'User Friendly' Rating

That's Insurance have reviewed OUL 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 OUL 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 OUL Direct Travel Policies

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

  • Children under the age of 18 travel free
  • 45 days individual trip duration as standard on Gold policy
  • Optional Comprehensive cover against Natural Disaster
  • Annual gold policy includes cover against Scheduled Airline Failure
  • No cover for pre-existing medical conditions

What Cover do OUL Direct policies offer.

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

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Gold

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    150

    200

    250

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    750

    500

    3,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    10,000

    5,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    500

    200

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    150

    100

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    150

    100

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    100

    0

    250

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    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

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    1,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    0

    0

    0

    0

  • CT/MRI Scans
    CT/MRI Scans Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    10,000

    5,000

    15,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    100

    0

    250

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    800

    500

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

    0

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    250

    250

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    250

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    500

    500

    250

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

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

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    1,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Loss of Pet Passport
    Loss of Pet Passport Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Waiting Period Injury
    Waiting Period Injury Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    N

    N

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    N

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    N

    N

    Y

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

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

Sample Quotes from OUL Direct Travel Insurance.

Listed below are some Sample Quotes offered by OUL 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: 50 - 59

Trip Days: 21

OUL Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

200

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 750

Missed Departure 500

Delayed Departure 250

Baggage 500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Couple

Age: 30 - 39

Trip Days: 7

OUL Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

150

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 250

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 14

OUL Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

250

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 500

Missed Departure 250

Delayed Departure 100

Baggage 200

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 40 - 49

Trip Days: 365

OUL Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 50 - 59

Trip Days: 365

OUL Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 40 - 49

Trip Days: 365

OUL Direct  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from OUL 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 OUL Direct - No Current Discount Codes

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

Customer Reviews of OUL Direct Travel Insurance

No Customer Reviews Found

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

Taking medication abroad in 2018

Taking medication abroad in 2018

If you are planning a foreign holiday this year and suffer from an illness or  medical condition, ...

Travel Insurance for the Russia World Cup 2018 What you need to know

Travel Insurance for the Russia World Cup 2018 What you need to know

Why choosing the right Travel Insurance policy is so important The FIFA would cup starts in Russia ...

2018 EU ruling you can claim compensation from airlines following wildcat strikes

2018 EU ruling you can claim compensation from airlines following wildcat strikes

2018 EU Court rules that Passenger flights which are delayed or cancelled due to strikes can claim ...

The European Health Insurance card how it works in 2018

The European Health Insurance card how it works in 2018

After what seems like the longest, wettest and coldest winter ever in the UK, summer is (fingers ...



Download the App

Download Thats Insurance App on Itunes Download Thats Insurance App on Google Play

Compare Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.