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First Direct travel insurance review

Find out how First Direct is rated for customer service, and how its travel insurance policies are rated in terms of cover.

In this article
First Direct travel insurance review First Direct's travel insurance policy: is it good or bad?
  How we calculate customer and policy scores

First Direct travel insurance review

First Direct is a telephone and online bank that was founded in 1989. 

It offers a single and an annual multi-trip policy underwritten by Aviva.

What you need to know about First Direct travel insurance

  • Medical expenses limit of £10,000,000
  • Cancellation or curtailment cover limit of £5,000
  • Overall valuables limit of £400

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

First Direct's travel insurance policy: is it good or bad?

We've scrutinised around 200 travel insurance policies, combining our analysis with feedback from 4,528 members of the general public.

Each policy is rated to produce a Which? policy score as well as a customer score.

Table last updated in November 2018. Next update in May 2019.

Policy element Details Rating Area covered
Medical expenses cover limit (£) Logged out detail Logged out detail Logged out detail
Cancellation/curtailment limit (£) Logged out detail Logged out detail Logged out detail
Travel delay - 12 hours limit (£) Logged out detail Logged out detail Logged out detail
Travel delay - maximum limit (£) Logged out detail Logged out detail Logged out detail
Baggage & belongings limit (£) Logged out detail Logged out detail Logged out detail
Money including cash limit (£) Logged out detail Logged out detail Logged out detail
Cash limit (£) Logged out detail Logged out detail Logged out detail

 

 

How we calculate customer and policy scores

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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