So how long should they sit around waiting?
For me, that’s from the outset as I don’t insure with Direct Line and I’ve found that despite “pre-approved” contract clauses insurance companies honour reasonable, justified claims made for expenses following accidents. I don’t suppose even Direct Line expect you to phone from the pistes before letting the pisteurs put you in a barquette for the 90e ride down the hill.
Who said anything about waiting? I said get on the phone to the people who should be doing the work.
Obviously emergency expenses aren’t an issue as that would be plain retarded (although other insurers have tried this in the past, generally doesn’t go well, for anyone involved). Indeed insurers often will cover sensible expenditure, but it’s still an extra risk. Dealing with the Assistance Company is the way to go as (if they are worth their salt) they will usually give you an immediate nod or sort something on your behalf.
The OPs situation sounds a bit odd, only mentioning the Insurer and a travel agent. Assuming there’s an assistance company in there too, that’s who I’d be getting to work.
FWIW I couldn’t give a rat’s about DL. it was many, many moons ago that I worked there, but have found their way of doing things comparable to other companies that I’ve used (but their prices too high and the levels of cover unsuitable for what I need)