Travel insurance

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    • COVID-19 and travel insurance

    We have many questions about what changes the COVID-19 pandemic is leading to, especially when it comes to travel insurance. It’s natural to have concerns about whether both significant and minor things are covered.

    To keep yourself updated, regardless of your plans, make sure to stay informed about government advice and the local regulations of the destinations you intend to visit.

    Meanwhile, our travel insurance covers:

  • Avoid traveling to a location that the Foreign, Commonwealth and Development Office (FCDO) recommend against unless it is absolutely necessary.
  • Medical costs in the event of contracting COVID-19 while on your trip.
  • Additional lodging and transportation expenses may apply if you need to undergo quarantine due to contracting COVID-19 while traveling.
  • If you made a reservation for your journey, the FCDO alters their guidance subsequent to which you might need to isolate, or in case you or a near family member are diagnosed with COVID-19 prior to your departure, cancellation expenses may apply.
  • Buy travel insurance to cancel your journey ahead of time in the event that the Foreign, Commonwealth & Development Office unexpectedly modifies their advice for the destination you are visiting.

    • You can discover additional information in our Frequently Asked Questions (FAQs).

    Which travel insurance is right for you?

    To suit your holiday, all come with additional key benefits that you can select from – Annual Multi-trip and Single Trip cover. There are two products to choose from.

    Annual Multi-trip Cover

    Global coverage for numerous journeys lasting up to 42 days each.

    Every trip has the potential to endure for a maximum of 42 days. All adventurers must be under the age of 75. Price quotes maintain their validity for a duration of 90 days.

    Single Trip Cover

    Ideal for a single family excursion lasting up to 90 days.

    Trips must be 90 days or less, or 42 days or less for travellers 60 and over. Quotes valid for 90 days.

    Enhance your travel cover

    Include coverage for personal possessions or activities like skiing or snowboarding for an additional fee.

    This optional extra insures your contents and bags while you are traveling and can be added to your Single Trip or Multi-trip Annual cover, resulting in an additional cost for your quote.

  • Up to £1,500 for items that are misplaced, pilfered or harmed.
  • Up to £300 for one individual product.
  • Up to £300 in total for valuable items like cameras and jewelry.
  • Up to £100 in total for expendable items such as cigarettes or provisions and beverages.

    • You have the option to enhance your travel insurance by including our winter sports protection, which will safeguard your skiing and snowboarding equipment against theft and damage during a winter sports vacation. Additionally, it will provide coverage for injuries and piste closures.

    This optional extra can be added to either your Single Trip travel insurance for a maximum of 42 days or your Multi‐trip Annual travel insurance for a maximum of 90 days if you are aged 59 or over.

  • Up to £500 per individual for skiing gear.
  • Up to £300 per individual for substitute equipment rental (£25 per day).
  • Up to £250 per individual for unused gear rental, ski tickets, and ski instruction expenses.
  • Up to £200 per individual for ski slope closure (£20 per day).

    • Travel insurance tips, FAQs and policy documents

    Things you need to know

  • Prior to making a reservation for a journey, it would be wise to consult the UK Government website for the latest recommendations regarding traveling overseas. In the event that you choose to proceed, it is advisable to recheck the information closer to your scheduled departure date.
  • Before you take out a travel insurance policy, please inform us if you have any pre-existing medical conditions, as they will not be covered.
  • We will not cover any claim unless you are a resident of the United Kingdom.
  • Journeys must commence and conclude in the United Kingdom.
  • Travel within the United Kingdom must be for a minimum of two consecutive nights and in pre-arranged commercially-operated lodging.
  • If you had reason to believe the trip might be cancelled at the time you made the booking, we will not provide coverage for any cancellation claims.

    • Travel cover: know before you go

    Download travel insurance policy documents

    Need more help?

    You can make a claim online, explore our website, or if you have any other inquiries, consult our virtual assistant.

    Get in touch with Our Claims Department.

    We can assist you in selecting the appropriate cover for your needs. If you prefer, you can simply give us a call through our Typetalk service instead of speaking with us directly.

    Call us.

    Can’t find the right level of cover to meet your needs?

    If we are unable to offer you the level of coverage you need or if your medical conditions require higher insurance premiums, help may still be available.

    You can search a directory that we have collaborated with the Financial Conduct Authority and the Money and Pensions Service to establish, in cases where we are unable to provide assistance.

    Simply go to https://traveldirectory.Moneyadviceservice.Org.Uk/en to explore the directory, or dial 0800 138 7777 (available Monday to Friday, from 8am to 6pm).

    Why choose Direct Line travel insurance?

    Up to £10m emergency medical cover

    Discover additional information. If you need to travel to the hospital for a medical emergency, we will cover up to £10m directly so you can feel safe when you want to.

    Up to £5,000 cancellation cover

    We will pay you up to £5,000 if you are forced to cancel your travel plans due to unexpected circumstances such as unemployment or illness, depending on the level of cover you have chosen.

  • If you need help throughout your trip, we are accessible 24/7, all year round, providing guidance in various languages.
  • In the case of any mishap during your absence, we will ensure your safe return. If a medical emergency arises, we will make sure you are brought back home.
  • Discover additional information. If that is not feasible, return to the United Kingdom or proceed with your journey in order to cover any additional expenses for accommodation and travel that may be necessary. In the event of a natural disaster during your trip, if you are unable to use the accommodation that has already been paid for and booked, we will provide assistance. We will cover any costs incurred due to the disaster.

    • Frequently asked questions

    Unfortunately, we cannot do this online. If you give us a call at 8704 246 0345, we can discuss and provide a quote for covering your medical conditions. We understand that if you are covered by this, you may have some questions about your medical condition, and we will need to ask you some questions, which you can answer in the affirmative.

    The limit for personal belongings per insured person is £1500, while the limit for personal belongings per insured person is £1000. If you have a Discoverer policy, the limit for single articles is £300 and the limit for valuables is also £300. It is important to remember that the total limit is £300 and the limit for single articles is £300, as well as the limit for valuables being £300. The limits in the personal belongings section may not be sufficient for expensive items such as video or photographic equipment and jewelry. However, you can usually insure these items separately under the extension of your home insurance policy provided by All Risks.

    The policy terms and conditions provide a comprehensive list of the activities that our travel insurance policies automatically cover. If you are engaging in an activity that is not included in the list, please contact us on 0345 246 8704 to discuss your requirements and obtain a quote.

    Yes, as long as you have pre-booked and paid for two or more consecutive nights of commercially operated accommodation for your stay in the UK, you can take trips.

    Yes, our annual and single trip policies provide cover for situations where your booked trip is later abandoned, delayed, or missed due to a strike that has been announced or started as a result of the renewal or start policy date.

    Please explore our terms and conditions for further details.

    Lifestyle.

    What you need to know before you go travelling

    Once you’ve gone through all the effort of finding and researching booking options for an abroad trip, it can be easy to sit back and think that the work is done. But to make sure you have the best possible holiday, take a little more time to think about your destination.