For current information regarding insurances and COVID-19: we are regularly updating this landing page as the situation progresses, please check here for guidance.
As the COVID-19 spreads, it raises questions about what your travel insurance policy will and won’t cover you for. This bulletin is designed to give you guidance if you have a trip booked which has been affected by COVID-19.
Please refer to your travel insurance policy wording and terms & conditions for specific details of what your policy does & doesn’t provide cover for.
Firstly, you should always follow the advice given by the Foreign and Commonwealth Office (FCO), local (overseas)/UK health authorities and, if abroad, the local British Embassy.
FCO advice can be found at www.gov.uk/guidance/travel-advice-novel-coronavirus
Secondly, contact your travel provider (airline/hotel/tour operator/etc) to discuss options such as refunds, amendments or postponements.
Information last updated: 19/03/2020
If you are currently at home but have booked a trip
Now that the FCO has issued advice against all non-essential travel for the next 30 days (which is likely to be extended) you may have to cancel or re-organise a booked trip.
Your first port of call should be your travel provider(s) (airline, hotel, train company, etc) to see if you can obtain a refund or amend your travel plans.
Next speak with your credit card provider (if the trip was booked using a credit card, and the amount paid was over £100) as you should be able to claim under Article 75 of the Consumer Credit Act.
Finally, speak with your travel insurance claims team (you’ll find their details in your policy wording). Any claim made would be subject to the policy terms and conditions, when the policy was purchased and when the trip was booked.