Annual travel insurance

Cheap annual travel insurance from OUL Direct can offer great value for money if you are intending to travel more than twice in a twelve month period.

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Book now, and if your trip dates change, we’ll change your policy with no admin fee

  • There is no cover available relating to COVID-19, except for the emergency medical expenses section.
  • You must not travel against Foreign and Commonwealth Office advice.
  • Insurance must start no earlier than 17 May 2020.
  • If you need to change the dates of your trip, we can move your single trip insurance to any date before the end of 2021, with no admin charge.

Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or “all but essential” travel. Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section.

Important: Our policies will not provide any cover whilst the Foreign & Commonwealth Office (FCO) are advising against travel. Buy a policy now to get instant cover once the travel ban is lifted.

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Annual travel insurance – saving you time and money

If you travel regularly an annual travel insurance policy could work out cheaper than buying single trip insurance policies for each holiday, it also saves you time!

Annual travel insurance has the advantage of providing travel insurance for all adults named on the policy, throughout the year. All adults named have their own travel insurance and can travel independently of the other people named on the policy – this can be great for couples, as you are both covered, whether you’re travelling together or not, throughout the year that the annual travel insurance policy is running.   

We also offer fantastic discounts for families, covering children to travel at any time throughout the year, so long as they are with an adult who is also insured on the policy.

Year round travel insurance cover and peace of mind

With Europe and worldwide cover options available, it doesn’t matter where you go; if you’ve got annual travel insurance from OUL Direct then you know that your whole family is protected for the whole year.

We will remind your when your annual travel insurance is about to expire, so that you don’t run the risk of travelling without travel insurance cover.

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Annual travel insurance - cover and benefits

Annual travel insurance from OUL Direct provides the following benefits and cover:

  • Cover for an unlimited number of trips in a 12 month period (max 31 days per trip)
  • Ski cover available (up to 17 days per year)
  • Medical & repatriation expenses up to £10 million
  • 24 hour emergency medical support - just a phone call away
  • Cancellation & curtailment cover
  • Cover for your possessions and money
  • Cover for travel delay and holiday abandonment
  • Over 50 sports and activities covered as standard
  • Gadget cover available (tablets, smartphones and more)

See our full schedule of benefits for more information.

Get a quote for cheap annual travel insurance and see what you can save.


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Key Benefits

  • For a specific trip or holiday of up to 3 months
  • Choose from 3 levels of cover to suit your budget
  • FREE cover for children under 18
  • Scheduled airline failure included on all policies
  • Excess waiver available
  • Golf and cruise cover extension
  • Business and wedding cover extension
  • Cover for winter sports available