Travel Insurance Conditions

Travel Insurance Direct
Travel Insurance Direct




This policy is only available to you if:


  • You are resident in the United Kingdom.
  • You are registered with a medical practitioner in the United Kingdom.
  • You are in the United Kingdom at the time of purchasing this insurance.


UK / United Kingdom: ( including the Channel Isles and Isle of Man).


(Residents of the Republic of Ireland, click here. 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 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

Please see Accepted Medical Conditions


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.


Cancellation Cover

You will be insured for risks associated with cancellation as defined in this policy 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.