Direct2Insure policies cover a variety of sports or activities, which are ranked by risk and sorted by Activity Packs. There are four Packs - the higher the pack, the higher the risk, and usually the higher the additional premium to cover that risk.
Activity Pack 1 includes 100+ sports and activities, and is covered as standard. If an activity you intend to do isn't covered under any of the Packs, unfortunately we would be unable to provide cover for you to take part. A full list of the Activity Packs is available in your Policy Wording.
Skiing, snowboarding, and other winter sports require the Winter Sports extension for an additional premium.
Direct2Insure do not have the facility to exclude any medical conditions from cover, so on this basis we would need to cover all pre-existing medical conditions.
During the quote process there is a section which asks you to complete a medical declaration, where you are asked a few questions. Some of these questions ask 'have you ever', and the condition must then be declared regardless of whether you are still affected by it. Other questions ask 'in the last 2 years', so you must then declare anything which has needed medical attention or a prescription in that timeframe.
If you're not sure about how to complete your medical declaration, we would always suggest contacting our call centre for help. They are available on 0330 880 3652.
An excess is the amount you would pay in the event of a claim. This applies per person, per section, and per claim.
Details of this can be found in your Policy Wording.
Yes. Adding the Winter Sports extension will provide you with cover for off-piste skiing, although not in places where it is deemed unsafe to do so by resort management.
Direct2Insure can insure travellers up to 80 years old on Single Trips, and 65 on Annual Multi-Trips. Please note that if you're looking to add Winter Sports to your policy, this maximum age is reduced to 65.
If you exceed the maximum age limit on a Direct2Insure policy, you may be able to obtain alternative travel insurance by contacting:
British Insurance Brokers Association
Tel: 0370 950 1790 (lines open Mon-Fri, 9am-5pm)
Website: Find Insurance - BIBA
The Money Advice Service
Tel: 0800 138 7777
Website: Travel Insurance Directory | MoneyHelper
An Annual Multi-Trip policy will cover you to travel for a maximum of 31 days per holiday if you have chosen the Select5 policy, and up to 45 days if you have chosen the Select10, Select15, or Select20.
Please be aware that if you have purchased the Winter Sports extension, you can only take part in a winter sport for a maximum of 21 days in total throughout the year.
No, your policy does not include cover for these things as standard. Winter Sports or Cruise cover are available as extensions, and would be subject to an additional premium.
For more information, take a look at our Travel Tips - Is there cover for a Cruise or Winter Sports?
Yes, you are covered as long as you have pre-booked at least two nights' accommodation in a hotel, motel, bed and breakfast, cottage, or similar accommodation rented for a fee.
You would select the Couple option if you are both adults who have lived at the same address for at least 6 months, and are in a relationship. This is regardless of gender or sexual orientation.
If you are adults in a relationship who do not live at the same address, you would be listed as 2 x Individuals.
The benefits apply per person, so each traveller on the policy will be able to make a claim for the amount shown in the Features and Benefits Table. The table can be found near the beginning of your Policy Wording.
The travel delay benefit applies if your international outbound or international inbound flight is delayed for a minimum of 12 hours. The cover then applies for further 12-hour delays.
You can make a claim under this section if the delay is due to a strike or industrial action, adverse weather conditions, or due to the mechanical breakdown/technical fault of the flight you are booked on.
If you select the group type 'Family' when purchasing a travel insurance policy, the policy can include parents or grandparents, and under-18s for whom they are legally responsible.
No, our policies will not cover you if you are aware that you will be seeking medical attention or having treatment while on your trip. This is regardless of whether it is cosmetic or otherwise.
Yes, a person under the age of 18 can hold their own Direct2Insure policy. This is provided that the policy is purchased by a responsible adult and that while travelling, the child is accompanied by a responsible adult at all times.
If you are already travelling, you can extend your travel dates or add a destination (provided you haven't yet travelled there). These are subject to an additional premium which must be paid in order to provide cover.
We cannot make changes to personal details, medical declarations, or add/remove travellers once you have left the United Kingdom.
If you need to amend your Direct2Insure travel insurance policy, please email us on enquiries@brokersure.com, or call +44 (0) 330 880 3652.
Yes, you can cancel your policy after purchase.
You have a 14-day cooling-off period which comes into effect on the day you purchase your policy. If you cancel your policy within these 14 days, you will receive a full refund. This is provided that you have not travelled, claimed, or intend to claim on your policy.
If you cancel outside of the 14-day cooling-off period, you would not receive a refund.
If you wish to cancel your Direct2Insure travel insurance policy, please email us on enquiries@brokersure.com, or call 0330 880 3652.
You can see your Policy Wording here:
Direct2Insure Select 5 / Select10 / Select15 / Select20 Policy Wording
A Direct2Insure policy does cover gadgets as standard, but there is the option to upgrade your policy to include a gadget insurance policy.
Should you choose to purchase this, the Gadget Policy Wording will be emailed to you at the same time you receive your travel insurance documents. Be aware that should you need to make a claim with your gadget insurance provider, you can start the process here:
Call - 0345 074 4828
Email - gadgetclaims@davies-group.com
Write to - Davies Group, Unit 8, Fulwood Business Park, Caxton Road, Preston, PR2 9NZ
Travel insurance for £4.95 a day to Spain, with £5,000 cancellation cover per person. See how much cover you can get for our value prices.
Use our website or call our friendly UK call centre team that will be happy to assist you.
*Based on a 30-year-old travelling in Europe 2 for 8 days on a Direct2Insure Select5 policy. Prices correct as of May 2024.
