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First Directory Travel Insurance

Traveling is an exciting experience, but it can also provide unexpected difficulties. Many things can go wrong on a trip, from flight delay to misplaced bags. That is why you should have to buy First Directory Travel Insurance to protect yourself and your money.

Table of Contents

In this article we will discuss everything you need to know about first travel insurance . We will discuss why you need First Directory Travel Insurance, what it covers, and more.

What does First Directory Travel Insurance Cover?

Travel insurance provides coverage for various travel-related risks. With First Directory Travel Insurance, you can have peace of mind knowing that you’re covered for unexpected events, such as medical emergencies and trip cancellations.

First directory travel insurance covers the following travel-related risks:

Trip cancellations: 

First Directory Travel Insurance will cover non-refundable expenses and unused prepaid costs associated with the trip. The policyholder is also covered for additional transportation costs in case of an emergency.

Policyholder additional transportation cost is also covered by first direct and allows a person to return home early in an emergency.

Medical emergencies: 

If you fall ill or get injured while traveling, First Directory Travel Insurance will help cover the cost of medical treatment and transportation.

Unexpected Travel costs:

First Direct also covers unexpected expenses due to unforeseen events, such as:

• Additional travel and accommodation costs due to travel disruption
• Missed pre-booked transportation
• Delayed transportation
• Lost or stolen return ticket
• Accidental damage to passport or visa

Personal liability:

First, Direct insurance would cover you if you were the cause of an accident on a trip that led to death or injury to another person or damage to someone’s property.

Lost or stolen luggage:

If your luggage is stolen during a trip, first directory travel insurance will cover replacing your belongings.

Flight cancellations or delays:

If your flight is canceled or delayed, first directory travel insurance can help cover additional expenses, such as meals or accommodations.

Winter sports:

First Direct also covers loss, theft, or accidental damage to winter sports equipment and winter sports holiday disruption. The value of the equipment covered depends on its age, as follows 

Age of Winter sports equipment         Payment

Less than one year old,                     90% of the value

Less than two years old,                   70% of the value

Less than three years old,                50% of the value

Less than four years old,                 30% of the value

Over four years old,                         10% of the value

What doesn’t First Directory Travel Insurance Cover?

Travel insurance from First directory has some policy exclusions given below:

• Trip cancellations and medical emergencies due to existing medical conditions that First Direct has not accepted.
• Wear and tear luggage damage.
• Loss of money and valuables.
• Damage caused by earthquakes and hurricanes.
• Luggage loss due to negligence.
• Costs for running out of medication.
• Costs of purchasing another visa or passport 
• Expensive method of treatment of a disease.
• Accidental death or permanent disability due to participating in aerial activities.
• Accidental death or permanent disability caused by sickness and disease.
• Hired winter sports equipment.
• Contact lenses, hearing aids , and dental fittings.
• Glass products.
• Fines to be paid as a punishment.
• Damage to an already insured person’s property.

First Directory Travel Insurance will not cover claims resulting from participating in the following activities:

• Parachuting 
• Paragliding 
• Ski mountaineering 
• Adventure racing
• Boxing 
• Horse riding 
• Mountain biking

First Directory Travel Insurance Claim

In case of critical health injury, policyholders get medical assistance immediately by contacting First Directory 24-hour Medical Emergency Assistance,

Directory insurance will be liable for your treatment, which may involve transferring you to another hospital and paying  to bring  you back home early.

If your injury is not critical, then you can contact the Medical Emergency Assistance number before making any arrangements for: 

• Admission to the hospital
• Treatment, tests, or investigations as an outpatient 
• Repeat consultations with a doctor

Keep receipts for paid costs for a minor illness or injury treated with medication from a pharmacy. 

Before putting a claim, collect these things to support your Insurance Claim:

• Evidence of your ticket booking and then the cancellation
• Evidence of costs you paid before trip cancellation
• Proof that you are not able to recover your pre-paid costs
• All medical reports 
• Evidence vehicle accident
• Take pictures of damage and accident
• Confirmation report from the airline for a reason for the delay 
• Keep receipts for expenses safe
• Proof of stolen or damaged items, such as a written report from the police.
• Collect evidence from your tour planner.

Contact First Directory Travel Insurance

In case of a medical emergency , call these numbers.

UK Residents: 08000 517 464

Abroad Residents: (0044) 1603 605 128

Contact this number to report travel claims or if you want to return home early.

UK Residents: 08000 517 467

Abroad Residents: (0044) 01603 605 125 

Contact for legal expenses of claim or if you require advice for a legal problem that comes under this policy

UK Residents: 01603 208 530

Abroad Residents: (0044) 1603 208 530

Contact us for any questions related to our customer service; ask freely:

UK Residents: 03456 100 100

Get travel assistance with a wide range of travel advice before you go

UK Residents: 0800 051 7496

Abroad Residents: (0044) 1603 605 162

First Directory Travel Insurance Reviews

40% of policyholders recommend you buy first directory insurance, while 60% do not suggest you.

The data is based on only five reviews. Please don’t take it as a last opinion, and investigate it by yourself.

Frequently Asked Questions:

What is the policy excess of first directory insurance .

Policy excess by first Directory Insurance is £50 per person per trip. 

What is the maximum trip length with first direct travel Insurance?

Trips should be 31 days at maximum and must start and end in the UK. 

InsuranceGuideMe is your trusted partner in solving the complexities of insurance. It Authors includes Benefit Team President Bill Cross, with over 25 years in the industry, Daniel Clarke, a Senior Insurance Agent with experience working for AussieShield Insurance Group and Melbourne Risk Management Solutions, and Huzaifa, an experienced insurance expert turned writer, contribute valuable insights. Our platform provides up-to-date insurance news, transparent cost insights, user-friendly guides and Exclusive tools like the Select EMI Loan Calculator simplify financial planning. Connect with us for a seamless insurance journey, backed by expertise, transparency, and a commitment to your peace of mind. If you have any question chat with us via 24 hours available chat option.

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First direct travel insurance.

Travelling is one of the most exciting experiences anyone can have. Whether it’s for leisure or business, visiting different places and cultures is something that enriches not only your knowledge but also your soul. However, travelling also comes with certain risks that can be both financial and physical. This is where travel insurance comes in, providing a sense of security and peace of mind to travellers. Among the many travel insurance providers in the market, First Direct Travel Insurance is one of the most popular and trusted names.

What is First Direct Travel Insurance?

First Direct Travel Insurance is a UK-based insurance provider that offers comprehensive travel insurance for both individuals and families. It covers various travel-related risks such as medical expenses, trip cancellation or disruption, baggage loss or damage, personal liability, and more. The company is part of HSBC, one of the biggest banking and financial services organizations in the world, which adds to its credibility and reliability.

What are the benefits of First Direct Travel Insurance?

First Direct Travel Insurance offers a wide range of benefits to its policyholders that make it one of the best options for travel insurance in the UK. Here are some of the benefits:

• 24/7 emergency assistance: First Direct Travel Insurance provides round-the-clock support for its customers in case of any emergency or unexpected situations during their trip.
• Medical expenses cover: The company covers medical expenses up to £10 million, which includes hospitalization, surgery, and repatriation if needed.
• Trip cancellation and curtailment cover: First Direct Travel Insurance reimburses the cost of your trip if it gets cancelled or cut short due to unexpected circumstances such as illness, accidents, or natural disasters.
• Baggage loss and damage cover: The company compensates for the loss or damage of your baggage or personal belongings during your trip.
• Personal liability cover: First Direct Travel Insurance covers the legal expenses if you cause any damage or injury to a third party during your trip.

How to get a quote for First Direct Travel Insurance?

Getting a quote for First Direct Travel Insurance is easy and straightforward. You can visit their website and fill in the required details, such as your destination, travel dates, number of travellers, and any pre-existing medical conditions. The system will generate a quote based on your information, and you can choose the level of coverage and add-ons based on your needs and budget. You can also purchase the policy online, and the documents will be sent to your email.

What are the exclusions of First Direct Travel Insurance?

Like any other insurance policy, First Direct Travel Insurance has certain exclusions and limitations that you should be aware of before purchasing the policy. Here are some of the common exclusions:

• Pre-existing medical conditions: First Direct Travel Insurance does not cover any medical conditions that existed before the policy was purchased, unless it has been declared and accepted by the company.
• High-risk activities: The policy does not cover any injuries or damages caused by high-risk activities such as extreme sports, bungee jumping, or skydiving, unless it has been declared and accepted by the company.
• Intoxication or drug use: The policy does not cover any injuries or damages caused by intoxication or drug use.
• Non-essential trips: The policy does not cover any trips that are deemed non-essential or against government advice, such as travel during a pandemic or war.

Travel insurance is an essential aspect of any trip, providing protection and security to travellers. First Direct Travel Insurance is a reliable and trusted insurance provider that offers comprehensive coverage and benefits to its customers. By choosing First Direct Travel Insurance, you can enjoy your trip without worrying about unexpected events and their consequences.

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First Direct Travel Insurance

Get yourself covered with first direct travel insurance from under £19 so you can enjoy the trip and relax unwind and so you have got one less thing to worry about..

With First Direct you can get a fast quote and arrange cover online for annual multi trip travel or single trip insurance. You have 24-hour emergency assistance and the option to choose and pay for only the cover you need. Apply today for a quick online quote from First Direct Insurance.

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Reviews 4.3.

23,788 total

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What's not to like

First Direct's online banking is second to none. It is easy to carry out any banking activities at a time that suits you anytime of the day or night and you are only a phone call away 24/7 if you find yourself in difficulty. There are no "bots" asking you questions but instantly you will treated with courtesy by a friendly and knowledgeable human being. Keeping your bank accounts in good order is simplicity itself. What's not to like.

Date of experience : 12 September 2024

Reply from first direct

Hi David. We're blushing! Thank you for your lovely words, and for taking the time to share your experience of banking with us. It's wonderful to hear we've been looking after you so well! - Christina

I have been with first direct for 30 or so years

I have been with what was The Midland Bank all ot my banking life ,then fist direct that is no HSBC. I can say without doubt that being with first direct has been ease to access and really helpful to control my financial affairs. The phone line is also very good and has improved over the years (some 30 odd years). I have tried other banks for various things but have staid with first direct as they have delivered an exalent service

Date of experience : 11 September 2024

Hi Owen. Thanks for your fantastic review! We are delighted you have been with us for so long, we very much value our loyal customers. We're glad you have noticed improvements over the years as we are always trying to better our service wherever possible and will continue to do so! Thanks again for staying with us, you know where we are if ever you need us. -Sean

Trustworthy bank

I have been with this bank for over 20 years, I had a few problems at first, but now I’m extremely happy with how quick and easy it is to do things via the app. Whenever I have had to ring the bank, I have always been treated with the respect I expected, and the staff are very knowledgeable. I, also, do not forese any reason why I would leave this trustworthy bank

That's great to hear Stumpy54! Thanks for leaving us a brilliant review. -Rachael

The app is very easy to use especially for technophobes like me. If a transaction is not possible through the app, first direct are always very helpful and quick to answer the phone.

Date of experience : 13 September 2024

Hi Tricia. It's so good to hear our App is making banking easy for you! Thank you for the stars, and for sharing your experience. We really appreciate it! - Christina

Asked to provide feedback in the app

Asked to provide feedback in the app, so here it is. Once a leader in banking innovation, first direct have fallen behind in app capabilities compared to competitors. Basic tasks which don’t involve speaking to someone on live chat like change payment dates for credit cards, seeing when balance transfers end are some of the features missing and where FD now fall behind. Bill splits, easy access to saving pots, competitive interest rates - all missing. They do still provide a healthy interest free overdraft though for those just in case days. Only reason I haven’t switched accounts.

Hi Alex, we value all feedback from our customers, so thank you for taking the time to share your thoughts with us. I've passed your suggestions on. -Mikayla

First direct for some years…

Been using First direct for some years now and not had any problems or complaints what so ever. During Covid they rang me up asking if I needed my free overdraft extended which I took up….. Amazing customer service. The few times I’ve had to call, the person as been helpful, human and down to earth, not just following a script. The only thing lagging behind over online banks is the App, it’s practical and useful but lacks some of the newer features other banks have. I’m sure those improvements are coming though.

Date of experience : 09 September 2024

Hi Daniel, thank you for your amazing review! It's great to hear that we could help you out during Covid, we're working on new and exciting features for our app that will come in the future! -Marie

The ease of online banking is a boon…

The ease of online banking is a boon for busy people, and/or those unable to get out and about. I would have given it 5 stars except for the fact that activating my replacement secure key this week was an utter nightmare due to the maze of opaque and at one point ambiguous, online instructions and a glitch at First Direct's end. Their person to person help I received over the phone cannot be blamed though - they are unfailing polite and patient. So I'm only docking one star for what was an experience that virtually reduced me to tears of frustration. Once that was sorted, I cannot praise First Direct enough - it makes life so much easier.

Hi Anne. I'm so sorry to hear about the problem you had setting up your Secure Key! This situation certainly falls short of the service we aim to provide! Though it's reassuring to hear that otherwise we make life much easier for you! Thank you for taking the time to share your experience of banking with us. We really appreciate it! - Christina

Online banking is simple

Online banking is simple, fast and secure. I have been with the bank for over thirty years and I have no complaints. I only wish they would stop sending me paper mail with information that could easily be given by e-mail or on line message in my in box. As I check my account on a regular basis I would not fail to see any messages there.

Date of experience : 10 September 2024

Hi Tony, thanks for banking with us for over 30 years! I'm sorry to see you are receiving information in the post from us. If you log into your App/Online banking and send us a secure message to let us know what mail you are receiving we may be to suppress it for you. -Rachael

I transferred my account from Lloyds to…

I transferred my account from Lloyds to First Direct two years ago and have nothing but praise for them. I have telephoned them only on a couple of occasions but had my queries resolved very efficiently. I use the online banking facility regularly and have been impressed with how straight forward it is.

Good afternoon Terry, thank you for taking the leap to switch to us two years ago! Excellent customer service is always our top priority, whether that's over the phone or through the Mobile App. It's great to hear you've had all your queries resolved promptly. -Natalie

Wouldn't recommend

They were great until something went wrong and then they were completely hopeless. No acknowledgment of their service failures, no explanations, useless! Went through the complaints procedures twice before closing my accounts and withdrawing all of my savings, a shame as I banked with them of years and I used to say they were the best out there.. Will be contacting the Ombudsman.

Date of experience : 01 June 2024

Hi Nikki, I'm really sorry to hear about your experience and that we weren't able to resolve the issue. -Rachael

A long standing customer

I've had a FD current account for about 25 years. It works well and meets my needs.Telephone call staff are excellent.I also use FD's share dealing service. My online portfolio incorporates a number of mistakes which I've tried to have corrected without success. In my experience the sharedealing service is inferior to banking.

Hi SaverJoe, it's great to see you have been banking with us for 25 years, thank you for your loyal custom. I am sorry however, to see that Share Dealing service has let us down. If this is something you would like to raise a complaint about you can do so by sending us a secure message via our App or Online Banking or, by giving us a call on 03 456 100 100. -Rachael

Very basic banking app

It's a very basic banking app, which is extremely disappointing, considering that FD is an online bank. There are many basic features that are not included. The Biometrics are now not working, too much hassle.

Hi Kirsty. Sorry to hear you're not happy with the app and that that biometrics aren't working for you. I kindly request you call and speak to our Digital Support Team who would be happy to help, discuss features of the app and try to assist in fixing the biometrics issue you're having. Please call them on 03456 100 234. They're available Monday to Friday 7am to 11pm, Saturday and Sunday 8am to 11pm. Thanks for your feedback. -Abbas

Great Banking

Yes good banking, with First Direct easy to navigate, good savings rates on their regular saver, great customer service when you need them.

They are brilliant

I've been with First Direct for well over 20 years and I can honestly say I've not once had any problem or issues with them. A real person answers the phone if you need to speak to someone instead of an automated menu which is great in this day and age of automation everywhere. I can't praise them enough and highly recommend them

Date of experience : 08 September 2024

Hi Susan, thanks for the amazing review, and for your fantastic feedback! 🙌 Your recommendation and kind comments mean the world to us. Here's to many more years banking together! - Pippa

Excellent bank

Excellent bank, and that’s unusual for me. As a retired person, I have had many bank accounts over the years and as a “ difficult customer “ I always complaining, FD is probably my all time favourite.

Hi Pierre. It's really great to hear that you are happy with the service. We really appreciate the 5 stars. Have a great day. - Jo

Poor effort, very unclear layout.

While in generally works ok, it's layout and design make it very hard to read clearly. Security procedures are a long-winded nightmare. I also use Nationwide and their app is much better.

Hi Jeremy. Glad to know the app generally works ok for you but that sorry to hear you're unhappy with the layout and design finding it difficult to read clearly. Thank you for your review and appreciate the feedback, this helps us to make improvements where possible. -Abbas

Easy to use 24hour accessibility

Easy to use 24hour accessibility. User friendly app. Would highly recommend First Direct to anyone. I have been a customer for many years and always been satisfied. Diane Saunders

Hi Diane 👋 thank you so much for your fabulous review and also for remaining with us over the years. I'm so happy you are enjoying our app, many thanks. -Nicola

First Direct, first class

First Direct, first class! It was so long ago I don’t remember when I opened my account but I can say I have never had a bad experience. Staff always at the end of the phone and always polite and helpful. The app is amazing and continues to improve. When abroad everything works like I was at home. Good job, thank you.

Hi Trevor 👋 thank you so much for the 5⭐ review we really appreciate it. I'm so happy you are enjoying our app, and we will continue to be here whenever you need us, many thanks. -Nicola

Really happy with banking app Great bank

Really happy with banking app . Straightforward to use 👍🏻. How about doing a cash back offer tho ? Either on purchases and / or when paying direct debit bills ? 😃

That's a fantastic idea Cheryl, it's certainly one that I will feed back! -Rachael

First Direct Bank is my only bank since it was set up.

I have been using First Direct Bank since it started and could not consider using any other. It has always been available and is easy to use. Its customer service is second to none and I cannot recommend first direct too highly. This recommendation is not based on a single experience but on many years of use.

Date of experience : 07 September 2024

A simple thank you wouldn't go far enough for that glowing review Patrick. We really do appreciate such kind words and are always proud of our team when we get compliments like that. Here's to many more years together. -Ashley

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Columbus Direct is a trading name of Collinson Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 311883.

Registered in England & Wales. Reg 00758979. Address: 5th Floor, 3 More London Riverside, London, SE1 2AQ