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When most people think of that little red phone, they probably still think of car and home insurance. But Direct Line - one of the pioneers in the phone and internet insurance market - has other strings to its bow. These include travel cover. Direct Line travel insurance, as is generally true of direct providers, could work out better value than insurance sold with a holiday. In any case it's easy to check by getting a quote online.

Direct Line, again like most providers, has different kinds of cover depending on who you are and what you are planning to do. There are single trip and annual polices and schemes called 'Discoverer' which provides cover for odysseys lasting between three and 18 months. You can also get a 5% discount for buying online and reductions on home security items to keep things safe while you are away.

Direct Line travel insurance limitations

There are limitations though. A major one is related to age. The maximum length of single cover available more than halves for travellers over 60, and if you are over 65 you can't get annual cover at all. The upper limit drops to 55 for the Discoverer package. Fair or unfair? Insurance companies tailor their services to certain markets for economic reasons, but considering that half the population is over 50 it's not unreasonable to predict that there might have to be a rethink about this sort of thing in future. For now, older customers could have a look at Saga - they don't offer annual cover either but the insurance is tailored to older people. Columbus Direct also have a special over-64 policy. But whoever you are, it's important to compare quotes and cover before you choose a policy - and then to make sure you understand exactly what it does and does not cover before you sign up to it. For more information on Direct Line travel insurance cover visit the website at www.directline.com .

 

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