Value for Money
1Value for Money
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.