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Travel Insurance Explained

What is travel insurance?

Travel Insurance covers medical expenses, trip cancellations or delays, lost or stolen baggage and personal liability while you are travelling. There are various different types of cover available depending on the activities you will be doing and the length of your trip. You will also need different cover depending if you need cover for a single trip, multiple trips, backpacking or cruises.

Why do I need travel insurance?

Accidents do happen and things can go wrong while you are away which can lead to costly bills. Travel insurance is there for peace of mind so that if this does happen then you are properly covered.

Almost 1 in 4 people don’t take out travel insurance for their holidays. However, they probably should have, when you consider that travel insurance paid out £370m in 591,000 claims last year, according to the Association of British Insurers (ABI)

If you have pre-existing medical conditions as well it is very important to declare these otherwise it could make it difficult to make a claim.

Why choose Cheaper Insurance Direct

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Friendly UK based call centre with no long wait times

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Honest upfront advice

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In business over 20 years and FCA authorised

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Able to speak to the same customer adviser

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Cover to suit customers’ needs

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Cheaper Insurance Direct is ISO9001 accredited demonstrating our ability to maintain high standards and consistently provide products and services that meet customer and regulatory requirements

COVID-19 cover available:

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Cancellation within 14 days of your trip should you test positive

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Emergency medical and repatriation costs if you become unwell with COVID-19

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Curtailment if a close relative passes from COVID-19 back home.

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Curtailment if you test positive for the virus or are medically quarantined for 24+ hours whilst in destination.

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Curtailment if you test positive upon arrival at your destination.

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Curtailment if you test positive for COVID-19 at your outward departure point and are not allowed to go on your trip.

Level of cover is dependent on the insurer, cover will be discussed when obtaining a quote from Cheaper Insurance Direct

Tips when claiming on your travel insurance

Report lost or stolen belongings to the local police station within 24 hours of them going missing. If this isn’t possible tell someone else such as your tour rep, hotel manager or transport provider and get a written report. Make sure you get a reference/incident number.

Always take your policy number and emergency contact telephone number with you when you travel.

If a problem happens while you’re away, keep receipts for everything you need to buy to support your claim.

If possible, get your insurer to agree to medical treatment before it’s carried out.

Always tell your insurer about an existing health problem before you take out insurance, or you may not be covered.

What our customers say about us

Blair Rankin

8. April, 2024.

I'm over the moon!, with Cheaper Insurance Direct and their very professional, helpful and friendly service!. My connection was poor while on the phone, and Alex made this a lot easier for me with his professionalism and patience. I was really busy and he took that into consideration making me feel valued and not another sale, I also got the best deal aswell (by a longshot) to add to my satisfaction!,OVER THE MOON from start to finish and made a GREAT saving thanks again.

David Browning

29. February, 2024.

I’ve used Cheaper Insurance Direct for the car insurance on my current and all previous vehicles, and they’ve always got me a fantastic policy with everything I need and somehow still manage to save me money too. On top of that they save me so much time from having to do all the research myself and there so much more hidden value in that! Thanks for a great service that I can trust as well as being so quick and easy to use.

Keshav Sedov

3. January, 2024.

Great Experience with Alex sorted my car insurance out and helped my family so many times , Thanks Alex and the Team. Anyone need Car insurance go to Cheaper Insurance Direct😃

Riccardo Simeone

27. September, 2023.

Alex was great! Communication was excellent could not be more helpful. Would definitely recommend

Ryan Wark

16. September, 2023.

Excellent customer service. Second to none, and great at finding you a good deal. Highly recommended. *UPDATE* Once again I got an amazing deal from CID. This year they saved me nearly £200 on my insurance with my family car and my work van. Delighted with the excellent customer service, and over the moon with the savings. Thanks again!

Wark Works

16. September, 2023.

Cheaper Insurance Direct are amazing. I recently started up my own business and have a lot to organise and sort through. Van insurance was just another headache. Then I reached out to CID and they took care of everything! They helped me to find the right cover, and got me an incredible deal.... saving me a good bit of money. CID have also sorted me out with great Public Liability Insurance for my business. They took the time to help me understand the policy too. Not only does this save me money, but it has saved me time too. Highly recommend Cheaper Insurance Direct for all your insurance needs. *UPDATE* Just saved nearly £100 on my van insurance from what I had been quoted for renewal. CID done it again! Absolutely delighted.