Travel Insurance Terms and Conditions

Residents of the UK & Republic of Ireland Only

Insurance is only available to residents of the United Kingdom or Republic of Ireland departing from their country of residence. We regret we cannot provide insurance for anyone who has already departed from their country of residence. A resident is defined as a person who has had a permanent address in the country of departure for 6 months or more.

(Non residents of the UK or Ireland might find insurance through the World Nomads insurance company. Click here for details.)

Material Facts

All material facts must be disclosed to the Underwriter at the time of taking out this Insurance. Failure to do so may result in the Underwriter's non-liability for claims. A material fact is any fact known to you which is likely to influence the Underwriter in the acceptance or assessment of the insurance.

If you are in any doubt as to whether a fact is 'material' then, for your own protection, it should be disclosed. All information provided in purchasing this insurance shall form the basis of the contract. You should keep a record (including copies of letters) of all information provided to the Issuing Agent for the purpose of entering into this contract.

Medical Conditions
(Annual Travel Insurance)

On Annual Travel Insurance policies, You must inform us of any change to an existing medical condition, or any new medical condition, diagnosed during the life of the insurance for which you wish to be insured for on any future trips.

Medical Conditions

The insurance excludes any claims arising directly or indirectly where at the time of taking out the insurance or booking a trip you or any person whose condition gives rise to a claim:

• Is expected to give birth within three months of the return date of your trip.
  
  
• Has ever suffered from, had diagnosed, or been treated for anxiety, depression or a psychiatric disorder.

• are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment, or received a terminal prognosis? are on a hospital waiting list or awaiting the results of any medical investigations?
   
  
• have during the last 12 months received hospital inpatient treatment, or suffered any medical condition which requires ongoing medical treatment or has caused referral to a specialist?
   
• have ever suffered from, had diagnosed, or been treated for a malignant disease (e.g. cancer); a lung or heart related condition (excluding well controlled asthma); or hypertension (high blood pressure)?
   
• A policy excludes claims arising directly or indirectly to anyone not on this policy whose condition may give rise to a claim where at the time of taking out the insurance or booking a trip they can answer Yes to any of the above questions.

Your Cover

You will be insured for risks associated with cancellation from the moment payment is cleared while the remainder of the policy will come into effect at the date of departure you have notified us of on this application form (Single Trip policies only).

On annual multi trip policies the cancellation cover will commence from the date shown on your validation certificate.

Money Back Guarantee / Cooling Off Period

If you are not happy with your travel insurance policy, you may return it to Travel Insurance Direct within 14 days of issue and we will refund your premium in full, provided you have not travelled and no claims have been made. Please contact us on 01603 699129 for more details. This does not affect your statutory rights as a consumer.

Further Information

More information about Travel Insurance Direct, your rights of complaint, the Insurers, and any other questions, please call 0845 450 0610 Monday - Friday 9am - 5pm

By entering into a contract of insurance you will take on certain obligations and grant certain powers to the insurer. Nothing in this contract affects your statutory rights as a consumer.