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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, backtracking 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


Friendly UK based call centre with no long wait times


Honest upfront advice


In business over 20 years and FCA authorised


Able to speak to the same customer adviser


Cover to suit customers’ needs

COVID-19 cover available:

Cancellation within 14 days of your trip should you test positive

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

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

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

Curtailment if you test positive upon arrival at your destination.

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.

Our Customers

Delighted with Cheaper Insurance Direct! The car insurance they found me was £350 cheaper than the best quote on a well-known comparison site. Brilliant job and brilliant on the pocket.

They were very helpful and quickly got back to me with a fantastic quote for my car insurance

They helped me to find the right cover, and got me an incredible deal…. saving me a good bit of money. They also took the time to help me understand the policy. Not only did this save me money, but it has saved me time too. Highly recommend Cheaper Insurance Direct for all your insurance needs.

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