Direct Line Travel Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Direct Line is the right company to go on holidays with? 

In this definitive Direct Line review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Direct Line the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Direct Line travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below. 

4,8 Safe overall rating for Direct Line

Safe ratingOur opinion
Customer service & satisfaction

High customer satisfaction rate of 4.1/5 on Trust Pilot
Online quote generation
4 star Defaqto rating
Easily accessible policy documents on the website
Claims can be done online

Cover provided

Policies available across 1 level of cover
Golf Cover included as standard
Up to £10 million medical expenses covered
Lack of wide range of optional additional covers such as Cruise Cover

Value for money

Competitive prices
15% discount if you apply online
Children are covered for free if travelling with an insured adult
Excess is £50 for annual multi trip and £75 for single trip policy

Financial strength

Direct Line is underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the FCA and the Prudential Regulation Authority


Online quote generation
Availability of live chat feature and chat bot
Well organised and user friendly website
Availability of customer portal

Safe rating for Direct Line travel insurance

Direct Line travel insurance reviews by expert and consumers

Review organisationDirect Line travel insurance reviews
Defaqto expert

Standard: 4


4,1/5 based on more than 3400 opinions

Consumer satisfaction rates on reviews for Direct Line holiday insurance

To check if Direct Line is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

What does Direct Line travel insurance cover?

Direct Line travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family. 

Direct Line’s Travel Insurance Policies are also available for families.

Direct Line single-trip and annual multi-trip travel insurances

Single and annual multi-trip days and age limits at Direct Line
Maximum days per trip

Up to 90 days for Single Trip Policy & Up to 42 days per trip for Annual Multi Trip

Maximum age limit

Single Trip: no upper age limit
Annual Multi-Trip: 79 years old

Maximum days and age limit for single-trip and annual multi-trip policies at Direct Line

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Direct Line:

Policy name

Defaqto expert rating4
Excess (if not stated) £75 for Single Trip & £50 for Multi Trip
Medical expenses£10M
Trip cancellation / curtailment £5000
Delayed departure 12 hours £200
Delayed departure max £200
Baggage & belongingsx
Money including cash£500
RepatriationNot Stated
Personal liability£2M
Personal accident (excess £0) £25000
Legal expenses
(excess £0)
Hospital benefit
(excess £0)
£25 for every 24 hours up to £1000
Accommodation cover £500
SAFI* £5000
Winter sportsOptional
Direct Line travel insurance in details

Direct Line backpacker travel insurance

Backpacker Travel Insurance Policy is available at Direct Line Insurance and it comes with the following benefits as standard:

  • Cover available for trips that last between 3 to 18 months
  • Upper age limit of 54 years
  • Up to £10 million in medical expenses
  • Up to £3,000 in cancellations
  • Up to £2 million for personal liability cover
  • Up to £50,000 for legal expenses
  • Up to £25,000 personal accident cover
  • Personal belongings cover of up to £1,000 included as standard
  • Golf cover among some other sports and activities are included as standard
  • Natural disaster cover included as standard
  • Winter Sports Cover and Personal Belonging Cover are available as optional addition.

Direct Line winter sports travel insurance

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports Cover is available for travellers with either Single Trip Policy or Annual Multi Trip Policy and it comes with the following benefits:

  • The maximum period of Winter Sports insurance if you have an Annual Multi Trip Policy is 22 days
  • Up to £250 a week if you’re unable to ski due to sickness or injury
  • Up to £500 for to repair or replacement ski equipment you own or hired in case it is lost, stolen or accidentally damaged
  • Up to £25 each day (maximum £300) to hire a replacement winter sport equipment if yours is stolen, lost, accidentally damaged or delayed for more than 12 hours
  • Up to £20 for each day (maximum £200) if the piste is closed due to lack of snow or bad weather
  • Up to £200 if your pre booked resort is delayed due to an avalanche.

What are the other travel insurance options available at Direct Line?

Travel insurance options at Direct Line
Direct Line golf cover

Golf cover is included as standard and not available as an optional addition.

Direct Line business cover

Optional Business Cover is available at Direct Line Insurance and it comes with the follwing benefits:

  • Up to £1,500 for business equipment or samples lost, stolen or damaged during trip
  • Up to £1,000 per single business equipment item
  • Up to £1,000 for valuables owned or used by business
  • Up to £500 to hire replacement business equipement
  • Up to £500 for business cash lost or stolen
  • Up to £1,500 for business colleague’s return ticket if they come and replace you in case you’ve fallen ill and are treated as inpatient for at least 3 days or had to cut your trip short due to death, illness or injury.
Direct Line cruise cover

Not Available

Direct Line gadget cover

Not Available

Other travel insurance policy options available at Direct Line

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Direct Line before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Direct Line travel insurance?

You’ll find below indicative quotes per level of cover at Direct Line:

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Direct Line:

Policy name

Price – 3 days trip – 30 years old – Europe£12,03
Direct Line travel insurance in details

It is, however, quite difficult to give precise price ranges as Direct Line travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Direct Line?

Yes, you can get a discount of up to 25% off if you apply online.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Direct Line.

What else should I know about Direct Line travel insurance?

What are the general exclusions at Direct Line travel insurance?

To be eligible for a Travel Insurance Policy at Direct Line:

  • You must be a resident of the UK and have been residing in the UK for more than 6 months during the previous 12 months from application date
  • You must ensure that all information you provided is true and accurate
  • You must take reasonable actions to protect or prevent loss, injury or liabilty
  • You must be honest when disclosing information to the insurer
  • You must pay your premium
  • You must only travel to the geographic area allowed as mentioned in your policy schedule.

How do I get travel insurance quote from Direct Line?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Direct Line is the right one for you, then just click on get quote and you’ll be automatically directed through the company’s sale channel.

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Direct Line website?

Through the customer portal, you can get access to saved quotes.

  • Click on ‘My Account’ on the top of the homepage
  • Next, click on ‘Travel’ as the product you want to manage
  • Then click on ‘Retrieve Quote’ which will lead you to this page
  • Enter your email address and password if you already have an account
  • If you don’t have an account, click on ‘Create an account’ and fill the fields with relevant information about you such as your full names, email address, date of birth, etc then click on ‘Create Account’

How to claim at Direct Line travel insurance?

There are 2 ways to make a claim: online or through phone call.

How to claim on Direct Line travel insurance?
Claim online

You can claim online by visiting this page and click on ‘Start you claim online’ button.
Then, follow the whole claim process.

Claim by phone

0345 246 8680

How to make a claim on Direct Line travel insurance

How do I contact Direct Line travel insurance?

Direct Line contact phone numbers

ServicesPhone numbersOpening hours
Customer Service0345 246 8704

Monday to Friday: 8am to 7pm
Saturday: 9am to 5pm

Emergency Helpline01252 740 098 (UK) or 44 1252 740 098 (Abroad)

Available 24/7

Non Emergency Claims0345 246 8680

Monday to Friday: 8am to 8pm

Legal Advice0370 240 0285

Available 24/7

Direct Line contact phone numbers

Direct Line other contact details

Contact details

The Headrow
Leeds LS1 8HZ
United Kingdom

Direct Line contact details

How to cancel your annual Direct Line travel insurance policy?

You will find below main information to cancel your travel insurance policy at Direct Line:

How to cancel Direct Line travel insurance?
Cancellation fees during cooling off period of 14 days£0
Cancellation fees outside cooling off period

No refund

Cancel by mail

Send your letter to:
The Headrow
Leeds LS1 8HZ
United Kingdom

Cancel by phone

0345 246 0415

How to cancel Direct Line travel insurance

Our opinion on Direct Line travel insurance

Direct Line Insurance is underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

They offer travel insurance across one level of cover. The types of policies they offer are Single Trip Policy, Annual Multi Trip Policy and Backpacker Policy along with optional additional covers such as Winter Sport Cover, and Disaster Cover.

Due to the high customer satisfaction rate on Trust Pilot and their 4 star Defaqto rating, would recommend Direct Line Travel Insurance to anyone looking for a simple and affordable travel insurance cover.