Travel

guide

No, any trips booked, or insurance purchased on or after 18^th March 2020 will not be covered for any claim relating to Coronavirus, as this is now a known event.

If you booked a holiday before the 18th March when no FCO travel guidance was in place, your trip will remain covered even if it is postponed to a later date.

You can claim for cancellation of a trip if the FCO advises against all travel to your intended destination, as long as the advice wasn’t in place when you booked the trip or purchased your insurance.

You can also claim for cancellation of a trip if the FCO advises against all but essential travel to your intended destination, as long as you are travelling within 28 days and the advice wasn’t in place when you booked the trip or purchased your insurance.

You can see what date the FCO advice came into force by visiting www.gov.uk/foreign-travel-advice

Where the FCO advice is not in place, there is no cover under your travel insurance, and you should continue to monitor FCO advice and speak to your travel provider.

You can claim for cancellation of a trip if you are due to travel in the next 28 days and the country you are due to travel to has closed its borders to UK citizens.

Where you are not due to travel in the next 28 days you should continue to monitor FCO advice for your destination and speak to your travel provider.

You can claim for the cost of any lost deposits as long as the FCO is advising against travel to your destination, as long as the advice wasn’t in place when you booked the trip or purchased your insurance, and your trip is due to start in the next 28 days.

If your trip isn’t due to start in the next 28 days then there is no cover for cancellation and you should decide if you want to make any balance payments due for your trip, you will only be able to claim cancellation if FCO advice against travel is in place within 28 days before your trip is due to start.

Valid cancellation claims will cover the amount you have paid for the trip, less any refunds you have received and the policy excess.

For any trip, you must first seek a refund from your trip provider.

Cover for UK trips of 2 or more nights in pre-booked commercially operated accommodation are covered for cancellation where the accommodation is closing due to the coronavirus, you should seek a refund from either your accommodation provider.

We are also extending the advice of the FCO to trips in the UK, based on the government guidance around social distancing, this applies to trips due to the start in the next 28 days. This means that if FCO advice is against all or all but essential travel, we will apply that to UK based trips

For any trip, you must first seek a refund from your trip provider.

In the first instance you should speak to your travel provider to arrange any amendment to your trip, including being returned to the UK.

You can claim to return home early from your trip if the FCO advises against all travel or all but essential travel for your destination while you are on your trip.

You can claim to return home early whilst on your trip if your accommodation or the immediate surrounding area is locked down as a result of coronavirus.

Where FCO advice is already in place when your trip starts, or where the FCO advice is not in place or the local or national authorities confirm it is safe to remain in the area, there is no cover under your travel insurance and you should continue to monitor FCO advice and speak to your travel provider.