What factors do we consider when calculating our premiums?

We consider a number of factors which can have an impact on the insurance premium. These include:

1. Pre-existing medical conditions
2. The destination or geographical area
3. Additional sports or activities
4. The duration of your trip
5. Policy type and cover level
6. The amount and age of all travellers

Insurance is about replacing the risks associated with your circumstances with a premium. The above factors can increase the risk, which is why they can increase the premium.

1. Who underwrites the insurance?
2. Direct Travel Insurance: About Us