Travel Insurance Direct
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Travellers beware! PDS wording means that they will find any method to not help you
The cost of Travel Insurance Direct was the first thing that I noticed being quite cheap and offering good coverage. I had used them twice before having any issues. On my most recent coverage with TID, I had the unfortunately experience of having my notebook computer stolen. Checkout is in the morning as usual so I had my luggage and bags stored in my hostel's secured and locked holding area. My laptop was unfortunately stolen out of my bag so I made a claim with TID and their insurance company (Cerebus Claims). After providing all t he information they opted not to award the claim in favour. The reasoning was that because the hostel is a public area and hostel patrons have access to the secured and locked room as well. This is unfortunate because a hostel is a communal residence with shared bathrooms, bedrooms etc. Therefore using their PDS and wording, they are covered for anything that is stolen if you are staying in a hostel. Summary: Do not use TID if you plan to stay in a hostel.