Business Details
26 Years
experience
Emergency
services
Your Trusted Online Insurance Provider in Norwich
Policy Direct has been a leading online insurance specialist since 2000, offering competitively priced products with comprehensive coverage. Our expertise spans travel insurance, including annual multi-trip, single-trip, and long-stay policies, alongside wedding, gadget, cycle, and home insurance solutions. We pride ourselves on providing personalized service, with a knowledgeable team available to assist clients via phone or email. Our travel insurance covers pre-existing medical conditions without additional premiums in many cases, and we partner with SAGIC to deliver ethical home insurance options.As a trading style of Pulse Insurance Limited, we are authorized and regulated by the Financial Conduct Authority and operate as Coverholders at Lloyds. Our commitment to transparency includes no hidden fees, with policies designed to meet diverse customer needs, including high-risk travel coverage through partnerships with Lloyds of London. We maintain a 24-hour medical assistance helpline and offer flexible payment options, ensuring accessibility and convenience for all policyholders.
Services
Travel Insurance
Home Insurance
Cycle Insurance
Wedding Insurance
High-Risk Travel Insurance
Gadget Insurance
Unoccupied Property Insurance
Cruise Cover
Sports Cover
Legal Protection
Details
- Year established: 2000
Highlights and features
- We offer 24/7 medical assistance for travel insurance policyholders
- Our policies cover pre-existing medical conditions without additional premiums in many cases
- We provide high-risk travel insurance for hostile territories through Lloyds partnerships
- Our team offers personalized advice for complex insurance needs
- We are authorized and regulated by the Financial Conduct Authority
Associations and certifications
- Financial Conduct Authority
- Lloyds
Services
Travel Insurance
Our travel insurance offers comprehensive protection for single trips, annual multi-trip, and long-stay journeys. Coverage includes medical expenses up to 10 million, trip cancellation up to 10,000, and baggage protection up to 5,000. We include winter sports cover as standard on annual policies and provide options for high-risk destinations through Lloyds partnerships. Policies accommodate pre-existing medical conditions in many cases without additional premiums.
Home Insurance
Home insurance policies protect against fire, flood, theft, and accidental damage with flexible options for homeowners, renters, and landlords. Coverage includes buildings, contents, and optional extras like legal protection and personal possessions cover. Partnering with SAGIC, we offer ethical insurance solutions with no interest on monthly payments and low standard excesses. Policies include emergency assistance and customizable voluntary excess options.
Cycle Insurance
Cycle insurance protects against theft, damage, and third-party liability for bicycles and accessories. Partnering with Bikmo and Hiscox, we provide coverage for high-value bikes, GPS devices, and safety equipment. Policies include legal protection for accident-related claims and offer flexible terms for casual and regular cyclists. Coverage extends to both personal use and competitive cycling activities.
High-Risk Travel Insurance
Specialist insurance for travel to hostile territories with coverage for war, terrorism, and pandemic-related risks. Includes medical evacuation, crisis response, and 24-hour assistance through Lloyds market partnerships. Provides access to travel risk management tools and mental health support via MBL Global. Tailored for journalists, aid workers, and business travelers to FCO-advised destinations.
Wedding Insurance
Wedding insurance protects against unforeseen cancellations, venue issues, and supplier failures. Coverage includes financial protection for deposits, venue hire, and specialist equipment. Policies offer flexible terms for pre-wedding planning and day-of-event contingencies. Provides peace of mind through comprehensive risk management for one of life's most important occasions.
Questions
Does Policy Direct cover pre-existing medical conditions?
Yes, we cover many pre-existing medical conditions without additional premiums. More complex cases require individual assessment through our medical screening process.
Can I get insurance for high-risk destinations?
Yes, our high-risk travel insurance covers hostile territories, war zones, and FCO-advised destinations through specialized underwriting partnerships with Lloyds of London.
What home insurance options are available?
We offer buildings, contents, and combined policies with optional extras like accidental damage and legal protection, partnered with ethical insurer SAGIC.
Do you provide 24-hour assistance?
Yes, travel insurance policies include a 24-hour medical assistance helpline for emergencies during your trip.
How do I get a quote?
Instant online quotes are available for travel, cycle, and wedding insurance. Home insurance quotes require contacting our Norwich-based team directly.
