Full product details for the Direct Line Travel Insurance, including policy details, discounts, application criteria, medical cover, financial loss cover, wintersports cover, other cover, claims, excess, australia & new zealand example quotes, europe example quotes, uk example quotes, usa example quotes and worldwide example quotes. Apply online now.
 |  Compare Direct Line travel insurance details against other travel insurance or use our travel insurance comparison tables.Did you know Direct Line also provide savings, home insurance, pet insurance, van insurance and breakdown cover? |
| Company: | Direct Line
www.directline.com
| Direct Line
www.directline.com
| Direct Line
www.directline.com
|
| Product: | Discoverer | Travel Insurance | Travel Insurance w/s |
| | details | details | details |
| Quote via this site: |  | | |
| | | | |
| Policy Details | |
 Online Discount: | 10% | 10% | 10% |
| Underwriter: | Direct Line Insurance plc | Direct Line Insurance plc | Direct Line Insurance plc |
| Europe Destinations: |  | | |
| Worldwide Destinations: | | | |
| USA Destinations: | | | |
| Max Trip Duration: | 545 | 31 | 31 |
| Discounts | |
| No Baggage Discount: |  | | |
| No Money Cover Discount: | | | |
| Member Discount: | n/a | 0% | 0% |
| No Cancellation Discount: | n/a | | |
| Child Discount: | n/a | | |
| Application Criteria | |
| Min Adult Age: | 17 years | 18 years | 18 years |
| Max Adult Age: | 54 years | Unlimited | Unlimited |
| Max w/s Age: | n/a | n/a | Unlimited |
| Medical Cover | |
| Medical Screening: | | | |
| Medical Expenses: | £5,000,000 | £5,000,000 | £5,000,000 |
| PA - Death: | £10,000 | £10,000 | £10,000 |
| PA - PTD: | £25,000 | £25,000 | £25,000 |
| Hospital Benefit - Max: | £0 | Unlimited | Unlimited |
| Hospital Benefit - Day: | £25 | £25 | £25 |
| Cosmetic Surgery: | £0 | £0 | £0 |
| Dental Emergency: | up to medical si | up to medical si | up to medical si |
| UK Physiotherapy: | £0 | £0 | £0 |
| Overseas Funeral Costs: | £2,500 | £2,500 | £2,500 |
| Remains Transportation: | up to medical si | up to medical si | up to medical si |
| Financial Loss Cover | |
| Money - Max: | £500 | £500 | £500 |
| Money - Cash: | £250 | £250 | £250 |
| Cash Advance: | 100 | 100 | 100 |
| Legal Expenses: | £50,000 | £50,000 | £50,000 |
| Loss of Passport: | £250 | £250 | £250 |
| Loss of Driving Licence: | £0 | £0 | £0 |
| Mugging: | £0 | £0 | £0 |
| Hijack Benefit: | £0 | £0 | £0 |
| Wintersports Cover | |
| Max Winter Sports Total: | 0 days | n/a | n/a |
| Winter Sports Cover: | | | standard |
| Winter Sports Equipment: | £0 | £0 | £500 |
| W/S Baggage Basis: | no cover | no cover | additional |
| Own Equipment: | £0 | £0 | £500 |
| Hired Equipment: | £0 | £0 | £500 |
| Ski Pack: | £0 | £0 | £250 |
| Loss of Ski Pass: | £0 | £0 | £250 |
| Piste Closure - Total: | £0 | £0 | £200 |
| Piste Closure - Per Day: | £0 | £0 | £0 |
| Piste Closure - Travel: | £0 | £0 | £20 |
| Avalanche Delay: | £0 | £0 | £1,000 |
| Ski Hire - Total: | £0 | £0 | £300 |
| Ski Hire - Daily: | £0 | £0 | £25 |
| Off Piste Allowed?: | n/a | n/a | restricted |
| Other Cover | |
| UK Return: | | n/a | n/a |
| Repatriation Service: | | | |
| Baggage - Basis: | new for old | new for old | new for old |
| New for Old Age: | 1 years | Unlimited | Unlimited |
| Baggage - Total: | £1,000 | £1,500 | £1,500 |
| Baggage - Single Article: | £250 | £250 | £250 |
| Baggage - Valuables: | £250 | £250 | £250 |
| Baggage - Delay: | £0 | £100 | £100 |
| Cancellation/Curtailment: | £3,000 | £5,000 | £5,000 |
| Missed Departure: | £0 | £600 | £600 |
| Delay - Max: | £0 | £200 | £200 |
| Delay - 1st 12 hours: | £0 | £20 | £20 |
| Delay - subs 12 hours: | £0 | £10 | £10 |
| Travel Abandonment: | £0 | £5,000 | £5,000 |
| Personal Liability: | £2,000,000 | £2,000,000 | £2,000,000 |
| Extended Kennel Fees: | £0 | £0 | £0 |
| Catastrophe Delay: | £0 | £1,000 | £1,000 |
| Pre-Travel Service: | | | |
| Emergency Assistance: | | | |
| Additional Activities: | | | |
| Claims Receipt Limit: | £0 | £0 | £0 |
| General Exclusions: | click here | click here | click here |
| Terrorism Exclusion: | partial exclusion | partial exclusion | partial exclusion |
| Extent of Terrorism cover: | medical,pa | medical,pa | medical,pa |
| Date Exclusion?: | | | |
| Claims | |
| Basis of Settlement: | click here | click here | click here |
| General Conditions: | click here | click here | click here |
| Excess | |
| Excess Basis: | section | person | person |
| Medical Expenses XS: | £50 | £40 | £40 |
| EHIC Medical XS Waiver: | | | |
| Baggage XS: | £50 | £40 | £40 |
| Money XS: | £50 | £40 | £40 |
| Cancellation XS: | £50 | £40 | £40 |
| Curtailment XS: | £50 | £40 | £40 |
| Abandonment XS: | n/a | £0 | £0 |
| Delayed Baggage XS: | n/a | £0 | £0 |
| Loss of Deposit XS: | £10 | £10 | £10 |
| Personal Liability XS: | £0 | £40 | £40 |
| Legal Expenses XS: | £0 | £0 | £0 |
| Australia & New Zealand Example Quotes | |
| Aus/NZ - Single 3 months: | £88.01 | n/a | n/a |
| Aus/NZ - Single 6 months: | £117.15 | n/a | n/a |
| Aus/NZ - Single 12 months: | £179.66 | n/a | n/a |
| Aus/NZ - Couple 3 months: | £153.83 | n/a | n/a |
| Aus/NZ - Couple 6 months: | £204.71 | n/a | n/a |
| Aus/NZ - Couple 12 months: | £313.98 | n/a | n/a |
| Auz/NZ - Single 7 Day: | n/a | £30 | £62.98 |
| Auz/NZ - Single 17 day: | n/a | £39.66 | £83.31 |
| Auz/NZ - Family 7 Day: | n/a | £70.1 | £147.17 |
| Auz/NZ - Family 17 day: | n/a | £92.72 | £194.73 |
| Europe Example Quotes | |
| Europe - Single 3 months: | £71.45 | n/a | n/a |
| Europe - Single 6 months: | £100.38 | n/a | n/a |
| Europe - Single 12 months: | £146.19 | n/a | n/a |
| Europe - Couple 3 months: | £124.88 | n/a | n/a |
| Europe - Couple 6 months: | £175.45 | n/a | n/a |
| Europe - Couple 12 months: | £255.47 | n/a | n/a |
| Europe - Single 7 days: | n/a | £21.6 | £45.34 |
| Europe - Single 17 Days: | n/a | £28.58 | £59.97 |
| Europe - Family 7 Days: | n/a | £50.44 | £105.97 |
| Europe - Family 17 Days: | n/a | £66.76 | £140.2 |
| UK Example Quotes | |
| UK - Single 7 Days: | n/a | £14.43 | £30.29 |
| UK - Single 17 Days: | n/a | £19.08 | £40.09 |
| UK - Family 7 Days: | n/a | £35.73 | £74.98 |
| UK - Family 17 Days: | n/a | £47.27 | £99.22 |
| USA Example Quotes | |
| USA - Single 3 months: | £126.21 | n/a | n/a |
| USA - Single 6 months: | £158.98 | n/a | n/a |
| USA - Single 12 months: | £239.01 | n/a | n/a |
| USA - Couple 3 months: | £220.55 | n/a | n/a |
| USA - Couple 6 months: | £277.82 | n/a | n/a |
| USA - Couple 12 months: | £417.67 | n/a | n/a |
| USA - Single 7 Days: | n/a | £33.12 | £69.56 |
| USA - Single 17 Days: | n/a | £43.83 | £92.04 |
| USA - Family 7 Days: | n/a | £77.43 | £162.63 |
| USA - Family 17 Days: | n/a | £102.44 | £215.14 |
| Worldwide Example Quotes | |
| Wwide - Single 3 months: | £146.91 | n/a | n/a |
| Wwide - Single 6 months: | £195.53 | n/a | n/a |
| Wwide - Single 12 months: | £299.41 | n/a | n/a |
| Wwide - Couple 3 months: | £256.71 | n/a | n/a |
| Wwide - Couple 6 months: | £241.71 | n/a | n/a |
| Wwide - Couple 12 months: | £523.25 | n/a | n/a |
| Wwide - Single 7 Days: | n/a | £30 | £62.98 |
| Wwide - Single 17 Days: | n/a | £39.66 | £83.31 |
| Wwide - Family 7 Days: | n/a | £70.1 | £147.17 |
| Wwide - Family 17 Days: | n/a | £92.72 | £194.27 |
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Insurance fraud will be on the rise due to the credit crunch, several groups have indicated.
Fraudulent travel insurance claims from customers could be on the up as a result of the credit crunch, experts have warned.
Speaking to the Observer newspaper, groups including Direct Line Insurance and security firm Absolute Fraud Management (AFI) said that they expected a rash of demands for payment from "unscrupulous" policyholders. These would involve actions such as "losing" valuables or claiming above and beyond for items that are lost.
ABI has also recently completed a study on the issue, finding that claims were 13 percent higher than usual over the past three months. Chris Price at Direct Line added: "It is generally said that during an economic downturn insurers see an increase of fraudulent claims on their books."
Steve Manton at M Consulting, a firm which specialises in helping the insurance industry, agreed. "With the economy going the way it is, people might claim for smaller losses when, otherwise, they might not have bothered," he explained.
Insurers contacted by the newspaper also said that they were increasing training of employees to make them more aware of the likely spate of claims, and would also be more careful in their analysis of the evidence when a customer claims money. For example, "nervy responses" resulting from customers making phone claims will now be more likely to result in face-to-face interviews than before.
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