This depends on what policy you have, when you bought the policy, when you booked your trip, what action you have taken to recover your losses, FCO advice at the time of the loss. Most policy wordings are different and certainly all claims are different. This is why insurers consider all claims on their individual merits and subject to the full terms of the policy. There is no one-size-fits-all answer.
Information last updated: 12/08/2020
Generally policies will give you cover for Personal Belongings, Emergency Medical Expenses, Travel Delay among other benefits specific to your policy. If you’re in any doubt or would like clarification, please do get in touch. We’d be happy to talk you through your cover.
Information last updated: 12/08/2020
If you want to make a claim for cancellation of your trip these can mostly be submitted within 30 days of the planned departure date. Due to the rapidly changing nature of FCO advice, claims can’t be considered outside this.
In most cases, if your travel or tour operator has cancelled the trip they will be obligated to provide you with a refund. If you are not able to recover your losses we require written evidence of this in the form of a cancellation invoice, statement or letter from the provider. If you also booked with a Credit Card you’d need to speak with your Card provider to discuss making a claim under Section 75 of the Consumer Credit Act, provided your purchase was over £100.
We appreciate that it can be frustrating chasing your travel provider for a reply, but a claim won’t be able to be considered without evidence that your losses are actually non-refundable.
Unfortunately, being offered any of the above would be considered a recovery of your losses, so insurers wouldn’t be able to consider a claim in this circumstances. If you really do want or need a cash refund, we’d recommend you press the issue with the provider. In most cases they’re required to offer you one.
This is dependent on the type of policy you have and when the trip was booked. In most cases, if you booked at such a time that the FCO were advising against travel to your destination, you won’t be covered if you subsequently needed to make a claim for cancellation or curtailment of your holiday.
The Policy Wording will give you an outline of the situations for which a claim can be considered. However, all claims are considered on their individual merits and subject to the full terms of your Policy Wording. This means that we cannot confirm if you would be covered for any particular loss prior to its occurrence, as there can be so many different variables involved in any claim.
Unfortunately this not a situation that would be covered. It’s likely that the availability of facilities at your destination will be affected by local government regulations, so the impact of this won’t be covered as this is an exclusion across the travel insurance market.