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Direct Travel travel insurance review

Read Which?'s expert review of Direct Travel's travel insurance. Find out how we rate Direct Travel's policy and how it compares to dozens of other travel insurance providers.

In this article
Direct Travel travel insurance review How Which? rates Direct Travel's travel insurance Direct Travel's travel insurance policy: is it good or bad?
How we calculate customer and policy scores Get top money-saving tips from Which?

Direct Travel travel insurance review

Direct Travel has been providing travel insurance for over 25 years.

It offers customers a UK-based 24/7 call centre and its policies are underwritten by Chaucer Syndicates Limited.

How Which? rates Direct Travel'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.
 

    Which? members can login to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

    Travel Insurance
    Direct Travel review
    Overall Which? score
    %
    Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of annual and single-trip policy scores.
    Which? Customer Score
    %
    Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
    Annual policy score
    %
    Which?'s rating of the quality this company's 'standard' annual travel insurance policy. We analysed 22 features of its cover to calculate the policy score.
    Single-trip policy score
    %
    Which?'s rating of the quality this company's 'standard' single-trip travel insurance policy. We analysed 22 features of its cover to calculate the policy score.
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      Direct Travel'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, 16 out of the 22 policy elements we analysed in Direct Travel's travel insurance earned a 3-star rating or higher.

       

      While two of Direct Travel'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.

      Policy element Details Rating Area covered
      Medical expenses cover limit (£) Logged out detail Logged out detail

       

      Annual and single-trip

      Cancellation/curtailment limit (£) Logged out detail Logged out detail

       

      Annual and single-trip

      Travel delay - 12 hours limit (£) Logged out detail Logged out detail

       

      Annual and single-trip

      Travel delay - maximum limit (£) Logged out detail Logged out detail

       

      Annual and single-trip

      Baggage & belongings limit (£) Logged out detail Logged out detail

       

      Annual and single-trip

      Money including cash limit (£) Logged out detail Logged out detail

       

      Annual and single-trip

      Cash limit (£) Logged out detail Logged out detail

       

      Annual and single-trip

       

      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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