Direct Line travel insurance overview
Due to the coronavirus (Covid-19) outbreak, Direct Line has temporarily stopped selling travel insurance to new customers. Existing customers are unaffected.
This review describes the features and experiences of existing policyholders.
Since its launch as a car insurance provider in 1985, Direct Line now also offers home insurance, pet insurance, business insurance, landlord insurance and travel insurance to more than 10m customers.
Direct Line's travel insurance is underwritten by U.K. Insurance Limited.
How Which? rates Direct Line's travel insurance
To help you find the best travel insurance policy, Which? goes the extra mile to sort the best from the worst.
We survey thousands of real travel insurance customers to find out how they rate their insurer for customer satisfaction.
We also analyse and rate 22 different elements of annual and single-trip policies to create policy scores, helping you to judge the quality of your cover - and how an insurer compares to its competition.
We combine this into an overall score to highlight the insurers that offer great cover and service.
Direct Line's travel insurance policy: is it good or bad?
In April 2019, we analysed and rated 22 of the most important elements of around 800 annual and single-trip travel insurance policies, to come up with an overall policy score.
We assessed how important each individual element is when choosing and using a travel insurance policy, and weighted it accordingly, to calculate our total policy score. Each element is given a star rating out of five.
Overall, 15 out of the 22 policy elements we analysed in Direct Line's travel insurance earned a 3-star rating or higher.
While three of Direct Line's policy elements were given a full 5-star rating, the majority of the features in its policy were given a 3-star rating which indicates an average level of cover.
How we calculate customer and policy scores
In March 2019, we surveyed 4,471 members of the public asking them about their travel insurance provider.
We calculated the customer scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.
We calculated the policy scores by rating the most important elements of the policy, including medical expenses cover limit, cancellation/curtailment limit, travel delay limit, baggage and belongings limit and money limit.
The total score combines both the customer score and policy score.
To qualify as a Which? Recommended Provider, an insurer must:
- Be regulated by the Financial Conduct Authority.
- Be available to the general public.
- Have received 30 or more responses in our customer survey.
- Have received an average or above average policy score (see table for current average score) and a customer score of 70% or above.
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