UK Insurance Index Flexicover Direct Travel Insurance
search advanced search
all categories ALL CATEGORIES
A-Z Categories

popular categories POPULAR CATEGORIES
Car Insurance
Home Insurance
Life Cover
Mobile Phone Cover
Pet Insurance
Travel Insurance

directory categories DIRECTORY CATEGORIES
Business
Event
Health
Home & Property
Insurance Brokers
Life & Protection
Marine
Motor
Non UK Insurers
Pet & Animal
Personal Possessions
Specialist Cover
Sport
Travel

review categories REVIEW CATEGORIES
Business
Car & Motor
Health
Home
Insurance Companies
Life Cover
Motorcycle
Pet & Animal
Possessions
Sport
Travel

article categories ARTICLE CATEGORIES
Business
Car & Motor
General
Health
Home & Property
Insurance Awards
Insurance Guides
Life Cover
Pet & Animal
Travel

news categories NEWS CATEGORIES
Business News
Car and Motor News
General News
Health News
Home & Property News
Life Cover News
Pet and Animal News
Travel News


Review of Columbus Direct Travel Insurance

Submitted by Mike
Review Added: 5/6/2010 - Visitor Rating: 5.00 5.00 (6 votes)



Review Categories:
Travel Insurance

Customer Review Comments:
I'm not sure who I should file this grudge against, because of the bureaucratic maze that insurance companies create. The description below came from interactions with Claims Settlement Agency Limited. However, the insurance company is Columbus Direct, and that's underwritten by Lloyd's. I guess I blame all three of them, but mostly the claims agency.

At any rate, I would read every line of your contract twice and very carefully before buying insurance from Columbus. They have so many clauses that I suspect the only way you can actually get any money from them is if you die and your body was returned home immediately. I can save you some time by highlighting their medical clauses.

Basically, if you get sick while on your trip, the only chance you'll have of getting your resulting expenses (deposits, prepaid tours, etc.) reimbursed is if you immediately cancel the rest of your trip and return home (on a doctor's recommendation), or you are hospitalized. Each day you delay returning home, your reimbursement is reduced. If you can't find any way home before the scheduled end of your trip, you get nothing, even if you just ended up staying in bed in your hotel room for the rest of the trip.

That clause basically requires a sick person to arrange and suffer through an unplanned journey home right away. It also means that, if you feel sick enough to cancel some prepaid day tours or whatever, but not sick enough to return home (thus ruining the trip of anyone you're traveling with), you have two options: 1) Consider that money lost, or 2) call it quits and try to convince or bribe a doctor to write you a recommendation to return home. It's not a system that encourages honesty.

As an example, I got sick halfway through a trip in Egypt, and I had some prepaid tours and a camping trip ahead of me. I thought briefly about trying to return home, but because of my remote location, arranging an immediate trip back would have been challenging at best; doing it while sick would have been near impossible. My only option, really, was to stick it out in a hotel room for a couple of days. That option also happened to be much cheaper than trying to schedule an immediate international (one way) flight home. I figured I would be covered for the missed tours and the room, but I missed the one vague line in the insurance contract that said the reimbursement period will commence upon hospitalization or returning home. As a result, I ended up getting nothing back, meaning I would have been better off spending a lot more money to return home right away. It's a stupid system, and the clauses make it so that only the most dire claims will be paid.

Also note that travel delay claims require a delay of at least 6 hours. If you are delayed 5 hours and end up missing a connecting flight or some other scheduled travel, you get no money.

Anyway, if you read only this paragraph, I would look for a more reputable company. If you go with this place, just make sure you go through the contract carefully, and I would advise writing out all the clauses to make sure you actually understand what you're covered for.

Good Points: somewhat cheaper than the other options I looked at
Bad Points: the number of clauses make it unlikely that you'll have a successful claim
Customer Service Rating: 1/5
Value for Money Rating: 2/5
Overall Rating: 1/5
Made a Claim? Yes
Recommended? No

See all Columbus Direct Travel Insurance reviews

Add your Columbus Direct Travel Insurance review



comments about this review

Comments about this review:

 Add a Comment

share this review

Share this review:



rate this review

Rate this review:


Please rate this review of Columbus Direct Travel Insurance
between 0 and 5 with 5 being top.
All ratings received for this review.

The comments in this travel insurance review are the opinion of Mike and do not represent a positive or negative judgement by UK Insurance Index of the travel insurance company or policy reviewed. Whilst all comments are checked for compliance with our submission rules and guidelines we are unable to confirm any of the customer experiences documented. Please bear in mind that any negative reviews may be outnumbered by many more satisfied customers.
latest listings LATEST LISTINGS
Gnu Insurance - affordable travel insurance for over 50s
Coverwise Travel Insurance
Explorer Travel Insurance - great cover with no age limit
OULdirect - very low cost travel insurance
Yourtravelcover.com

latest reviews LATEST REVIEWS
Globelink Travel Insurance
Explorer Travel Insurance
Ageas Travel Insurance
Explorer Travel Insurance Annual Multi-Trip Policy
GNU Travel Insurance

latest articles LATEST ARTICLES
How to get travel insurance with a pre-existing medical condition
How does Foreign Office advice affect your travel insurance policy?
Do you need specialist travel insurance for a smooth cruise
Winter sports travel insurance - what is it and when do you need it?
Exceedingly good travel insurance advice



Home | Privacy & Cookies | Terms of Use | Contact | Submit Site | Advertisers

Page protected, do not copy

This website uses cookies to ensure a reliable browsing experience. If you continue to use this website you are consenting to us using cookies in this way. To find out what cookies are, which ones we use and why we use them please click here.

Copyright © 2017 UK Insurance Index. All rights reserved.
All directory listings, articles and reviews are provided as information only and do not constitute advice or a recommendation of any product or provider. If you use these insurers, we take no responsibility and give no guarantees, warranties or representations, implied or otherwise, for the content or accuracy of these third-party web sites or companies. If you have any doubts you should consult an authorised independent financial adviser for advice based upon your individual needs and circumstances. A database of advisers in your area is available at www.unbiased.co.uk.