While travelling is mostly an exciting experience, there is a lingering thought that it could take a turn for the worst. Getting insured for travel will ensure peace of mind and is a necessity for financial protection against accidents that may occur during a trip. It includes and is not limited to, medical emergencies, cancellations, stolen belongings, legal assistance, etc. Direct Line is a UK based insurance company offering travel insurance, among other types of insurance. They provide coverage for individuals, partners, families or groups.
Taking the first steps towards getting insured may feel like a daunting task with all the procedures to follow and the never-ending paperwork involved. Here’s an easy fix to that problem, Direct line travel insurance can be availed online or over the phone with a customer support executive by choosing from single-trip or annual-trip policies. There is a 24-hour emergency helpline to assist the anxious traveller. Remember to go through the policies in detail to ensure that it meets your needs and for a hassle-free availing process.
Reasons to choose Direct Line travel insurance
Direct Line travel insurance is a great choice for travellers to get insured with. Here are some points to persuade the prospective individual to go ahead with the purchase:
- Flexible plans: Direct Line travel insurance offers several policies like the single trip and annual multi-trip policies with the choice of additional add-ons for activities like water sports, cruises, and gadgets. This helps to tailor the policies to your needs.
- Competitive pricing: Direct Line travel insurance offers reasonable prices for their policies, with different tiers of coverage to cater to different budgets.
- Emergency support: There is a 24-hour emergency line that prioritises the needs of a troubled traveller.
- Purchase and management: Purchase the policies online or over the phone and manage them through their online portal. It’s accessible and easy to navigate, the cards are yours to play.
Direct Line travel insurance is a great choice for those that seek flexible policies for reasonable prices, with options to add coverage for a range of activities. Ultimately, the insurance you choose to go with should have your needs covered, so make sure to compare plans proffered by various companies.
Direct Line Travel Insurance plans
Annual multi-trip insurance
Direct Line travel insurance offers annual multi-trip travel insurance made specifically to cater to individuals that travel frequently throughout the year. The great thing about this plan is that it covers several trips within a year, which typically has a number-of-days cap.
The benefits of Direct Line’s annual multi-trip travel insurance include coverage for trip cancellations, emergency medical expenses, lost or stolen baggage, and personal liability for up to £10 million. Some policies may also offer additional benefits, such as coverage for missed connections, travel delays, and rental car damage. The price of the policies depends on factors like the age of the traveller, destination, and duration of the trip. Pay close attention to the terms and conditions to utilize them to the fullest.
Single trip insurance
Direct Line travel insurance offers single-trip cover for a one-time trip for up to £2 million. This would cover a specific trip for a specified number of days. The advantages of choosing this plan include coverage for emergencies, cancellations, loss of baggage, etc. Another advantage is the choice to add extra benefits, such as coverage for missed connections, delays, and car rental damage.
The cost of the Single trip policy depends on factors like destination, the age of the traveller, and duration of the trip. Always remember to go through the terms and conditions to stay informed and use them to your advantage.
Over 50s travel insurance
Getting insured can be an expensive undertaking, especially for people over 50 years. Travel insurance Direct Line offers cost-effectiveness, with up to £10 million cover for medical emergencies. There is no age limit on their Single Trip Travel Insurance Policy. However, take note that there is a bar on the duration of travel, i.e., 42 days for people aged over 60 years. Their Annual Travel Insurance is also applicable for people up to 74 years. With this particular insurance, the individual may travel for a total of 120 days per year, with 42 days per trip.
What’s not included
While Direct Line travel insurance has extensive coverage, here are some instances when they do not cover for mishaps due to:
- Pre-existing medical conditions were not stated when signing on to the policies.
- Accidents directly related to drug or alcohol use.
- Losses due to civil unrest or political tensions.
- Losses from participation in high-risk activities, unless the policy extends its coverage specifically.
- Losses incurred because of travel to regions against the advice of pertinent authorities.
- Losses incurred for failing to procure necessary documents required for the travel.
- Losses from activities not covered by the policy.
- Not a permanent resident of the UK
- One-night UK trips.
Conclusion
Direct Line Travel Insurance offers a range of services that benefits travellers. It is a good choice because of the fair pricing and the option to add coverage for a range of activities. Always evaluate travel insurance plans offered by different companies to locate the one that best suits your requirements and price range. If you’re still sceptical about whether to go ahead and buy a policy, you can read up on Direct Line Travel Insurance reviews online. For more information, visit Tripcolumn.
Also Read:- Admiral Travel Insurance – Coverage for Your Next Trip
FAQs
Does Direct Line Travel Insurance provide cover for existing medical conditions?
Yes, they do. There will be a review to see whether the condition can be insured or not. You may reach them at 0345 246 8704 to discuss this further. This cannot be done online.
What cover do their policies provide for personal belongings?
The personal belongings limit is £1500 per insured person, the single item limit is £300 and the valuables limit is £300 in total. For a Discoverer policy, the personal belongings limit is £1000 per insured person, up to £300 for single articles and up to £300 for valuables.
Do your policies provide cover for strikes?
Yes, their single and annual multi-trip policies provide coverage for missed, delayed or abandoned departure due to strikes, as long as the strike had not commenced or been announced at the policy start date (or renewal date), or when you booked your trip, whichever is later.
