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OUL Direct Travel Insurance
OUL Direct is a brand of Ancile Insurance Group Ltd, an Essex-based firm which has been selling travel insurance since 2007. Ancile owns a number of other travel insurance brands in addition to OUL Direct, and aims to offer good-value, tailored policies that meet a range of customer needs. OUL Direct travel insurance can only be purchased online, with policies for individuals, couples, families, and other groups.
Single trip and annual multi-trip policies are available from OUL Direct, with a choice of bronze, silver, and gold levels of cover. Silver and gold offer progressively higher financial limits of cover, and also include some extra features. All policy levels offer some degree of cover for medical expenses; cancellations or curtailments; delays and missed departures; loss, damage, or theft of personal baggage; catastrophes and hijacks; and personal accident and liability cover. The more comprehensive policies also include cover for personal money, passports, and delayed baggage. All policies cover a selection of sports and activities as standard including body boarding, jet skiing, yachting, and windsurfing. OUL can add cover for activities that are deemed more hazardous upon payment of a set premium.
OUL Direct has a range of optional extensions that customers can add to their travel insurance policy. These include winter sports cover, golf cover, cruise cover (on gold policies only), business cover, and wedding cover, which all offer additional protection for the specific risks involved in certain holidays. Policyholders can also add gadget cover and cover for natural catastrophes, missed connections, travel disputes and acts of terrorism, if they want the extra peace of mind. If, however, they wish to streamline their policy, customers can remove cover for cancellations, curtailments, baggage, and money from their policy.
Adults with an OUL Direct annual travel insurance policy are covered whenever they travel. Even if they are on a couple or group policy, the policy insures each individual for independent travel as well as when they travel together.
Services offered by this provider may change over time. Always check Ts&Cs.