OUL Direct Travel Insurance

OUL Direct offers online quotes only allowing them to keep premium costs low by cutting out the expense of call centres. They are underwritten by IGI Insurance Company Limited. They offer an essential 24 hour emergency assistance service, and can insure you for various trip types, including winter sports, and other sports activities, over 65's and backpackers. Cover is available for individuals, families and couples. They will even provide cover for a round of drinks under their Classic golf policy if you score a hole in one!

Policy Types

OUL Direct Travel Insurance
  • Single Trip
  • Annual Multi-Trip
  • Backpacker
  • Winter Sports
  • Golf Cover
  • Over 65's
  • Sports Activities
  • Family Cover
  • Couples Cover

Policy Benefits

  • 24 hour emergency medical assistance
  • Hole in One cover for a round of drinks!(Classic cover)
  • Up to £5 million medical expenses
  • Mugging, Hijack & Catastrophe cover
  • Up to £3,000 cancellation cover
  • Up to £2,000 baggage cover


Visit OUL Direct Travel Insurance for a quote.

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Completely agree with Robert also being in Travel Insurance
Posted by Josh on the 19th October 20125 stars
In response to both the below reviews,

First one, I bet you that the policy wording you were sent when you purchased your policy clearly states that jewellery is classed as a valuable and is covered differently from personal possessions?

Second one, this is correct, once a bag is checked in it become the responsibility of the airline and therefore the claim should of been made to them not an insurance company. Again this would be stated in your policy documents.

So it does pay to know what you are purchasing and what you are covered for and actually reading your policy document for once.

By the way, I dont work for this company but I do work for a travel insurance company and we would of viewed both these claims in the same way.
Posted by Robert on the 9th August 20125 stars
DO NOT use this travel insurer. We submitted a claim when our accommodation was broken into and my fiance's Jewellery was stolen. We had a personal possessions limit of £500 per person and they limited our claim to £150 between us because jewellery is apparently not a personal possession, it is a 'valuable'. This is despite them only advertising the possessions limit. They also applied depreciation to antique jewellery for 'wear and tear', which any sane person would agree is ludicrous. Dealing with them only added to the distress of what was already a very horrible experience for my fiance. Please for you own sake, do not insure yourselves with these crooks. There policy limits payments to little more than the cost of the premium.
Posted by Simon Collie on the 29th March 20121 stars
I would strongly recommend that you did not use this travel insurer. I put in a claim when my baggage was broken into whilst checked in at an airport in Spain, they didn't pay out as they said the are not permitted to do so for a checked in piece of baggage. They also lost my claim forms for 2 weeks before they came to this conclusion. The customer service was a disgrace.
Posted by Lynne Butler on the 2nd November 20091 stars