First Directory

Our Worldwide Travel Insurance, provided by Aviva Insurance Limited, includes winter sports cover and covers you and your family (for eligible customers aged under 70). It includes cover if you have to cancel your trip or if you’re forced to remain abroad due to the closure of airspace for more than 24 hours or if an airport or port you are travelling from (or through) is closed for the same period.

The maximum time you can spend outside the UK, Channel Islands and Isle of Man in any consecutive 12 month period is 183 days with a limit of 31 days per trip.

We will provide winter sports cover for up to 21 days in any consecutive 12 month period.

Holidays in the UK, Channel Islands and Isle of Man will only be covered if they include two or more consecutive nights stay in pre-booked holiday accommodation.

We will not cover claims arising from paid or unpaid manual work or physical labour of any kind or business travel involving any dealings with members of the public.

Claims for death, injury, illness or disability are not covered if they result from you being under the influence or effect of alcohol or drugs.

Pre-existing medical conditions are not covered at any time under this policy unless they have been disclosed to and accepted by our medical assessment team.

All claims will be subject to assessment and other usual policy Terms and Conditions.

This 24 hour service helps give you peace of mind covering you as a driver or passenger of any eligible vehicle, for breakdowns at home or on any road in the UK, Channel Islands or Isle of Man. Cover includes emergency roadside repairs and local recovery to the nearest suitable garage. In addition we will provide national recovery of the vehicle to any UK destination, if we are unable to arrange a prompt local repair.

We will not cover:
The cost of labour and/or parts at any garage to which the vehicle is taken.
Claims where your vehicle is being used for commercial or business purposes or is a motorcycle.
Missing or broken keys. We will try and arrange the services of a locksmith but you will need to pay for the work carried out.
Replacing tyres or windows.

Roadside Breakdown Assistance is underwritten by AGA International SA and administered in the UK by Mondial Assistance (UK) Limited. Policy Terms and Conditions apply.

Accidentally damaging, losing or having your mobile phone stolen can be expensive. Fortunately, First Directory's Mobile Phone Insurance covers you up to the value of £600. Subject to a £35 excess per claim. Mobile Phone Insurance is provided by Allianz Insurance plc, and policy Terms and Conditions apply.

red24 are independent safety experts who are on hand for you and your family to use if you're ever worried about identity theft or your personal safety, wherever you are in the world. Identity Theft and Personal Security Assistance provides you with immediate support via a 24 hour helpline. Learn more about red24

Although online travel money orders are already commission free for all customers, we'll waive the 2% (minimum £3) fee for telephone orders as well. First Directory members also enjoy cash withdrawals from machines abroad free of first direct ATM transaction fees, usually 2%, minimum £1.75, maximum £5.00 (on the account the First Directory fee debits from). However, some ATM operators may charge you for making withdrawals from their machines, and a foreign exchange charge of 2.75% will still apply to any transaction you make abroad.

First Directory also includes some great leisure benefits, such as exclusive offers with great savings at restaurants, hotels and days out - which you'll find on an exclusive First Directory site. We also offer banking benefits with exclusive member offers and discounts.