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The Latest Coronavirus (COVID-19) Advice for Travellers and how your Insurance can Help

20/03/2020
The FCO Advises Against All But Essential Travel

How can your travel insurance help?

Booking a holiday

As there is a current 'ban' in place you should not be looking to book a last minute getaway. However if you are planning for later in the year or maybe next year there is nothing to prevent you getting cover. Call us on 01424 718790 to discuss you plans with the proposed dates of travel. We can then discuss the cover that best suits your needs. But please be aware, there will be no cover for claims arising from COVID-19 and in some circumstances there may be no cover available at all.

My holiday has been cancelled

If your holiday is cancelled, and your provider is ABTA or ATOL protected, you should speak to your holiday provider directly about a refund or re-booking for another date. If your holiday provider doesn’t offer a refund or alternative, contact your travel insurance provider.


My flight has been cancelled

The Civil Aviation Authority (CAA) has issued specific guidance about coronavirus with information if your flight has been delayed or cancelled. You should also read the section on compensation. If your flight operator does not offer a refund or alternative, contact your travel insurance provider. This also applies to ferry crossings and Eurostar.


Independent Travellers

If you are due to travel whilst the FCO restrictions are still in place you will need to contact your hotel(s), car hire firm, theme park or other attractions directly to cancel. Do not do this too early. If the ban is lifted before you are due to travel it will affect your ability to claim. If the providers do not offer a refund or alternative, contact your travel insurers. Some will only cover accomodation and travel, others do cover pre-booked car hire and attraction tickets.


Deciding not to travel

Travel insurance does not usually cover ‘disinclination to travel’ (which means you have decided not to travel but the FCO advice has now changed to allow travel again). Likewise if your travel is not booked to commence for some time but you decide you will cancel early. If you have decided not to travel, your travel insurer will not offer compensation.


Essential and non-essential travel

Anyone planning to travel should check https://www.gov.uk/foreign-travel-advice .  You will need to speak to insurance providers and discuss the cover that will best suit your needs. There may be instances where cover is not available. If you are travelling against Government advice, your travel insurance will not be valid unless the insurer has agreed to cover essential travel.


Coronavirus exclusion

Most travel insurance policies bought before 13 March 2020 did not have Coronavirus as an exclusion. However if you are trying to buy travel insurance today, you will Corona Virus or COVD-19 is specifically excluded.

If your insurer has advised that coronavirus is not covered as part of your policy (ie it is an exclusion) and you catch the virus while abroad, your travel insurance will not be valid. Speak to your insurer before travelling and ask what is and what is not covered.


Renewing your travel insurance

If your travel insurance is due for renewal, contact your provider to discuss it in good time. It may be that, after renewal, the policy will no longer cover claims because of coronavirus.


Self-isolation

Cover available for self-isolation (eg extended hotel accommodation) while travelling will vary depending on the policy. If you have to self-isolate due to coronavirus while you are travelling, contact your travel insurer.


My health has changed and my doctor advises me not to travel

In most cases you will be covered. You should contact your travel provider to cancel the arrangements. If you do not qualify for a full refund then contact your travel insurer to enter a claim.

Here is the advice from the FCA


This product is provided to Travel Insured by goodtogoinsurance.com who are appointed representatives of Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.471641 By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by goodtogoinsurance.com where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..


If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail

click here to obtain an online quote

This product is provided to Travel Insured by Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority - no.471641. By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by Ancile Insurance Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

This product is provided to Travel Insured by Ace European Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.202803. By clicking the box at the foot of this page, you will be taken to our dedicated business travel insurance site provided by Ace European Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of a business which wishes to insure business trips away from the UK for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact
us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

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Travel Insured is a trading style of Manor Insurance Services Ltd, registered office 93/97 Bohemia Road, St Leonards-on-Sea TN37 6RJ Company registration number 4824667.
Authorised and regulated by the Financial Conduct Authority 303639

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