Business Details
28 Years
experience
Your Trusted Online Insurance Partner Since 2000
Established in 1998, Policy Direct has emerged as a leading online insurance specialist, delivering competitively priced products with comprehensive coverage. Our expertise spans travel insurance, including single-trip, annual multi-trip, and long-stay policies, alongside specialist offerings for weddings, cycles, and home insurance. We prioritise personal service, with a knowledgeable team available to address complex needs, including pre-existing medical conditions and high-risk travel requirements. Our partnerships with Lloyds of London and ethical insurer SAGIC ensure robust underwriting and socially responsible coverage options.Committed to transparency, we provide clear policies without hidden fees, supported by 24/7 medical assistance and flexible payment terms. Our travel insurance includes standard cover for winter sports and adventure activities, while home insurance policies offer low excesses and optional extras like accidental damage cover. As an FCA-authorised firm, we combine digital efficiency with human expertise, ensuring clients receive tailored solutions for diverse insurance needs.
Services
Travel Insurance
Wedding Insurance
Cycle Insurance
Home Insurance
High-Risk Travel Insurance
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of expertise in specialist insurance solutions
- Our team provides tailored advice for pre-existing medical conditions
- 24/7 medical assistance helpline included in travel insurance policies
- Partnerships with Lloyds of London ensure robust high-risk coverage
- Ethical home insurance options through SAGIC, supporting charitable causes
Associations and certifications
- Financial Conduct Authority
- Lloyds
Services
Travel Insurance
Our travel insurance offers gold, silver, and bronze tiers with medical expenses up to 10 million and trip cancellation cover up to 20,000. Policies include winter sports cover and options for pre-existing medical conditions. We provide 24/7 medical assistance and cover for adventure activities through Lloyds partnerships.
High-Risk Travel Insurance
Specialist insurance for hostile territories with war, terrorism, and pandemic coverage. Includes emergency evacuation, political disaster response, and smartphone app-based safety tools. Backed by Lloyds underwriting and trauma support services through MBL Global partnerships.
Home Insurance
Flexible home insurance with buildings and contents options. Standard cover includes fire, flood, theft, and subsidence. Optional extras like accidental damage and legal protection available. Policies through ethical insurer SAGIC support Salvation Army charitable work.
Cycle Insurance
Comprehensive bicycle insurance covering theft, damage, and third-party liability. Partnerships with Bikmo and Hiscox provide coverage for high-value bikes and accessories. Includes legal protection for accident-related claims and personal injury compensation.
Wedding Insurance
Specialist insurance protecting against wedding cancellations, venue issues, and unexpected disruptions. Covers deposits and pre-paid expenses with flexible options for different event sizes. Provides peace of mind for unforeseen circumstances affecting your special day.
Questions
What types of travel insurance do you offer?
We provide single-trip, annual multi-trip, and long-stay policies with options for winter sports, adventure activities, and pre-existing medical conditions. Coverage includes medical expenses up to £10 million.
Can I get insurance with pre-existing medical conditions?
Yes, we cover many pre-existing conditions at standard rates, with higher-level conditions available at additional premiums following medical screening.
Do you offer high-risk destination coverage?
Our Hotspot Cover provides protection for travel to hostile territories, including war, terrorism, and pandemic-related risks through Lloyds market partnerships.
What home insurance options are available?
We offer buildings and contents cover with flexible excess options. Policies include fire, flood, theft, and subsidence protection, plus optional extras like accidental damage and legal protection.
How does cycle insurance work?
Our bicycle insurance covers theft, damage, and third-party liability. Partnerships with specialist providers ensure coverage for high-value bikes, accessories, and accident-related legal costs.
Is wedding insurance worth purchasing?
Wedding insurance protects your investment against cancellations, venue issues, and unexpected disruptions. We offer flexible coverage options to suit different event sizes and budgets.
