First Direct - Travel Insurance reviews

First Direct is a division of HSBC UK Bank PLC and was established in 1997, with the aim of pioneering easy banking. Direct First are now a award-winning, people powered bank that provides a wide variety of financial services 24 hours a day, 7 days a week.

First Direct

Ranked #35 of 61 Travel Insurance providers based on 1125 reviews

Review Score


Quotes our team received:

  • European Travel £43.40
  • Worldwide Travel* £63.60

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Choose from one levels of travel insurance

The table below shows a summary of First Direct’s travel insurance options. They currently only have one level of cover for each insurance policy, and offer generous cover and benefits. Beneath the table, there is a useful guide to the types of benefits available.

There is also a payable excess, which is fixed until the end of the policy. The cost of this will depend on the type of claim you take out. For more information, visit

First Direct Single Trip
Medical Expenses£10,000,000
Missed Departure£1,000

Your benefits for travel insurance cover levels

Medical Expenses

If you require emergency medical attention while holidaying abroad, First Direct will cover the cost of medical bills up to £10,000,000 as standard.

Cancellation or Curtailment

If you need to cancel or cut your trip short for any of the reasons stated within your policy booklet, First Direct will refund non-recoverable travel and accommodation cost up to £5,000.

Missed Departure

If you miss your international departure from, or to, the UK due to any of the reasons stated in the policy booklet, First Direct will cover the cost of additional travel and accommodation costs up to £1,000.

Personal Liability

If you are found liable for property damage, accident, injury or death, First Direct will cover the legal costs up to £2,000,000 st standard.

What Type Of Policies Do First Direct Offer?

First Direct currently offer two types of travel insurance policies, Single Trip and Annual Multi Trip.

What countries are not covered by First Direct?


First Direct do not provide cover for countries or areas which the Foreign and Commonwealth Office (FCO) has advised against all travel to. This also includes areas with ‘advised against all but essential travel’. To check your destination’s FCO advice, visit



Does First Direct Cover Pre-Existing Conditions?

Yes. However, pre-existing medical conditions are not covered at any time under this policy unless they have been disclosed and accepted by our medical assessment team.

How Long Does It Take To Assess A Claim?

First Direct do not provide a time limit for dealing with claims.

About First Direct Cover

First Direct is a telephone and internet-based retail bank in the United Kingdom, a division of HSBC Bank plc. First Direct has headquarters in Leeds, West Yorkshire, England, and has 1.35 million customers.

About First Direct

First Direct provides two travel insurance policies, Single and Annual insurance. Each policy comes with a single level of cover which possesses a variety of benefits and competitive cover, such as medical expenses, missed flights and lost baggage.

First Direct also comes optional add ons to enhance your insurance coverage. Options include Winter sports cover, Golfing cover, Scuba diving cover and Business travel cover.

Promotions & Offers

First Direct offer a 15% online discount for all new policies.


If you are new to First Direct, you can call them on 0345 600 2424. Alternatively, you can email them directly at If you are an existing customer, you can call First Direct on 0345 610 0100. For renewals, customers should call 0345 030 8718. Lines are open Monday – Thursday, 8am – 8pm, Friday 8am – 7pm, Saturday, 9am – 5pm or Sunday 10am – 2pm.

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