Quote Line Direct Travel Insurance Review

Quote Line Direct Travel Insurance Review

Quote Line Direct Travel Insurance Review

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Quote Line Direct 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.

Our review of Quote Line Direct will highlight:
  • Who are Quote Line Direct and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Quote Line Direct rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Quote Line Direct policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are Quote Line Direct and who underwrites their policies?

Quoteline direct is part of the Wilsons Group who are registered Insurance Brokers. The Company was formed in 1969 and quoteline direct have a lot of experience both as a high street and an online broker. The Travel Insurance policies are underwritten by MAPFRE Assistance a spanish company, who are authorised and regulated by the Financial Conduct Authority.

Quoteline provide competitive cover, whether you are a short weekend break or a round the world cruise. With three levels of cover to choose from, Bronze, Silver and the Four Star rated Gold cover, there is a policy to suit all holidays and budgets.  Read our comprehensive review to find out more.

Quote Line Direct Travel Insurance Policies are Underwritten By MAPFRE Insurance

How Quote Line Direct have been ranked using our star rating formula. Quote Line Direct Star Ratings

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 Quote Line Direct.

Single Trip Policy Ratings Click to Expand

There are 3 Single Trip Policies, they are Gold, Silver, Bronze, we have rated these as follows:-

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Bronze:

Single Trip Travel Insurance Guide here
Quote Line Direct Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are no policies available for this section.

Backpacker Travel Insurance Guide here
Quote Line Direct Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 3 Annual Policies, they are Bronze, Silver, Gold, we have rated these as follows:-

Thats Insurance Rating for Bronze:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Gold:

Quote Line Direct Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Quote Line Direct Travel Insurance Review

Quote Line Direct's 'User Friendly' Rating

That's Insurance have reviewed '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 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

16 Key Points you need to know about Quote Line Direct's travel policy wording

1

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

Your children, under the age of 18 on the date you purchase your policy, must reside with adults travelling on the policy.

2

What are the policy age limits?

At time of purchase:-

Single Trip Policies: 85 years or under

Annual Multi-Trip policies: 79 years or under for Europe Policies, 74 or under for worldwide policies.

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is a maximum of 365 days.

Annual Trip, Trip Duration of per trip is 31 days as standard, with the option to increase this to 45, 61 or 93 days at the start of the quote.

4

What does the policy offer for Winter Sports cover?

Winter Sports Cover can be included on your Annual Multi Trip Policy for up to 21 days.  If you add this to your Single Trip Policy you are covered for the entire policy period.  

Winter sports includes cover for Bob Sleighing, Cross Country Skiing, Curling, dog sledging, dry slope skiing, heli skiing, ice hockey, luging, skiing, big foot skiing, sledging, snowboarding, snow kiting, snow mobilling, snow shoeing and tobogganing.

On poste snowboarding, skiing, snow-cat skiing, mono-skiing and ski bobbing are also covered, as well as off-piste skiing and snowboarding, provided you are accompanied by a qualified instructor or guide.

5

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

A single trip policy can be taken out by between one and ten adults and up to ten children.

An annual policy can be taken out by a maximum of two adults and up to ten children

Family means a single parent or two parents travelling together with their child or children (under 18 years) for whom they are the legal guardians and who all reside together.

6

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

EHIC not mandatory but advised if travelling to the EU. The policy does not state whether you must enrol in Medicare if Travelling to Australasia, however we would recommend that you take advantage of any reciprocal health agreements available.

7

What is covered under Sports and Activities on the policy?

Sports and Activities are split into Categories A to D.  There are approximately 30 activities included as standard in Table A.  Tables B to D can be added with the payment of an additional premium, cover for Personal Liability and Personal Accident are excluded for certain activities stated on the policy.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8

What are the policy Alcohol Exclusion terms?

Policy states you will not be covered in the event of “Your suicide, deliberately injuring Yourself, being under the influence of drink or drugs (unless prescribed by a Medical Practitioner), alcoholism or other alcohol related illnesses, drug addiction, solvent abuse, self-exposure to needless danger (unless You are trying to save someone’s life)"

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

This is an optional extra, however all of our quote prices have this option as Covered on Bronze, Silver and Gold Policies

10

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

Online Medical screening is available for any pre-existing medical conditions, saving you the time and hassle of having to phone up, or take a policy that excludes conditions.

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

11

What are the policy rules on travelling when pregnant?

Policy States you will not be covered for “Normal pregnancy, without any accompanying, injury, illness or complication. This section is designed to provide cover for unforeseen events, injuries and illness and normal childbirth would not constitute an unforeseen event;”

12

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

Policy states exclusion in relation to manual work “Physical labour involving the use of tools or machinery or exposure to risk that could give rise to Your bodily injury or illness (nursing and bar-work are not considered to be Manual Work). “

 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?

Receipts are required in the event of a claim for lost or delayed items.

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 In respect of all sections other than Personal Accident and Emergency Medical Expenses, war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil  war, rebellion, revolution, insurrection or military or usurped power.

15

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

This is an optional extra, however all of our quote prices have this option as Covered on Bronze, Silver and Gold Policies

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.

Pro's and Con's for Quote Line Direct

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 Quote Line Direct.

  • The Quoteline direct policy has been awarded our four star rating
  • Single trip policies can be taken out for up to one year
  • A comprehensive list of activities included under the winter sports section as standard
  • Pre-Existing Medical conditions can be underwritten online at the point of sale

No Con's

What Cover do Quote Line Direct policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Quote Line Direct and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    25

    50

    100

    100

    50

    25

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    Unlimited

    5,000,000

    2,000,000

    2,000,000

    5,000,000

    Unlimited

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    10,000

    3,000

    1,000

    1,000

    3,000

    10,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    25,000

    10,000

    10,000

    25,000

    50,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    1,750

    500

    500

    1,750

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    750

    250

    100

    100

    250

    750

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    750

    250

    100

    100

    250

    750

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    500

    100

    100

    500

    750

  • 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

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    10,000

    10,000

    25,000

    25,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    750

    100

    100

    750

    2,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    400

    200

    100

    100

    200

    400

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    500

    225

    100

    100

    225

    500

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    350

    100

    100

    100

    100

    350

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    750

    200

    200

    750

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

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

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

Sample Quotes from Quote Line Direct.

Listed below are some Sample Quotes offered by Quote Line Direct (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Family

Age: 50 - 59

Trip Days: 21

Quote Line Direct Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

50

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 3,000

Missed Departure 750

Delayed Departure 100

Baggage 1,750

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide

Individual

Age: 65 - 70

Trip Days: 14

Quote Line Direct Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

25

Click Heart to Favourite

Compare Now

Medical Expenses Unlimited

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 350

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Individual

Age: 40 - 49

Trip Days: 14

Quote Line Direct Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

25

Click Heart to Favourite

Compare Now

Medical Expenses Unlimited

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 350

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 40 - 49

Trip Days: 365

Quote Line Direct Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

50

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 3,000

Missed Departure 750

Delayed Departure 100

Baggage 1,750

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 65 - 70

Trip Days: 365

Quote Line Direct Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 1,000

Missed Departure 200

Delayed Departure 100

Baggage 500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Europe

Family

Age: 40 - 49

Trip Days: 365

Quote Line Direct Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 1,000

Missed Departure 200

Delayed Departure 100

Baggage 500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

How to Buy Travel Insurance from Quote Line Direct

Visit Quote Line Direct's Website and Get a Quotation direct

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Customer Reviews of Quote Line Direct

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