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Please be aware: It is a stay net web page and is often up to date with the most recent data kind our Underwriters. Final up to date 03/06/2021
Please take the time to learn this as emails could take as much as three (3) enterprise days to answer!
Can I purchase a brand new coverage?
Sure you possibly can, however it is best to be aware that
a) ALL our insurance policies exclude cowl, beneath all sections of the coverage, for claims instantly or not directly associated to the worry or risk of a pandemic and/or epidemic, together with however not restricted to Coronavirus (Covid-19).
b) Our insurance policies exclude cowl for claims instantly or not directly associated to a pandemic and/or epidemic, together with however not restricted to Coronavirus (Covid-19).
This common exclusion applies to all sections of canopy except:
‘Important’ & ‘Basic’ insurance policies solely
- Part B1 (Medical and different bills exterior of the UK)
- Part B2 (Bills inside the UK)
‘Premier’ insurance policies solely
- Part A (Cancelling your journey)
- Part B1 (Medical and different bills exterior of the UK)
- Part B2 (Bills inside the UK)
- Part C (Reducing your journey quick)
so long as previous to your journey commencing, the International, Commonwealth & Improvement Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your meant vacation spot.
It’s your accountability to test the most recent recommendation from the FCDO previous to commencing your journey, which you’ll find at https://www.gov.uk/foreign-travel-advice.
Current Insurance policies – modifications
I have to cancel my coverage, can I get a refund? (Outdoors of the 14 day cooling off interval)
In case you have not travelled, nor made a declare and won’t be making a declare then Sure.
Relevant to all insurance policies:
You will want to contact the corporate you acquire your coverage from, together with your coverage certificates, the explanation for the cancellation and affirmation that you haven’t travelled, no claims have been made and that you’re not intending to say, and the coverage will likely be cancelled for you and a refund made. Your coverage will likely be cancelled from the date you request your coverage to be cancelled.
For Single Journey insurance policies, you can be entitled to a refund, topic to a deduction of 30% of the premium paid to signify the interval throughout which you may have been on danger for cancellation cowl.
For Annual Multi-Journey insurance policies, it’s possible you’ll be entitled to a refund relying on how way back you bought the coverage. Please confer with the phrases outlined beneath the ‘Cancellation and Refunds’ part of the coverage wording, which might be discovered on web page 13.
My journey has been moved to a date sooner or later, can I alter the dates on my Single Journey coverage?
Please contact us with particulars of your scenario and this will likely be thought-about on a case by case foundation.
We’re unable to amend the dates of an annual multi journey coverage.
I’m overseas and I want to keep longer, can I prolong my coverage?
In case your coverage hasn’t but expired, there is no such thing as a change to the well being of anybody insured beneath the coverage, no claims have been made or are meant to be made, then please contact us with particulars of your scenario and this will likely be thought-about on a case by case foundation.
I’m overseas and my unique flight house has been modified by the airline and now happens after my coverage finish date
If, on account of sudden circumstances past your management, for instance on account of unavoidable change to journey plans on account of airline discount and border closures and many others.., your journey can’t be accomplished throughout the interval of canopy proven in your coverage certificates, please contact us with particulars of your scenario and this will likely be thought-about on a case by case foundation.
You’ll be required to proof this unavoidable change to your journey plans e.g. emails to airways, journey brokers, tour ops.
Am I nonetheless insured if I journey towards the recommendation of the FCDO?
No. Your coverage is not going to present cowl when you determine to journey towards the recommendation of the FCDO. This is able to be for ‘All Journey’ and ‘All however Important Journey’.
Am I nonetheless insured if I journey to a rustic on the ‘Pink’ or ‘Amber’ checklist?
The English Authorities’s visitors gentle system units out the quarantine and testing necessities for travellers returning to England from abroad. Whether or not or not you can be insured relies on the FCDO recommendation in place on your journey vacation spot on the time of departure. Your coverage is not going to present cowl when you determine to journey towards the recommendation of the FCDO. This is able to be for ‘All Journey’ and ‘All however Important Journey’.
To view our information explaining the visitors gentle system in additional element please go to https://www.nowtravelinsurance.com/traffic-light-explained/
I’m overseas and have signs of Coronavirus/COVID19
Your coverage gives cowl beneath Part B1 (Medical and different bills exterior of the UK), so long as, previous to your journey commencing, the International, Commonwealth & Improvement Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your vacation spot. You need to contact the Medical Emergency Help Firm or somebody should accomplish that in your behalf. Full particulars are offered in your coverage wording.
I’m overseas and have examined optimistic for Coronavirus/Covid-19
Your coverage gives cowl beneath Part B1 (Medical and different bills exterior of the UK), so long as, previous to your journey commencing, the International, Commonwealth & Improvement Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your vacation spot. You need to contact our Medical Emergency Help Firm or somebody should accomplish that in your behalf. Full particulars are offered in your coverage wording.
I’m overseas, in a ‘inexperienced checklist’ nation, which is being moved to the ‘amber’ or ‘purple’ checklist
OR
I’m overseas, and the FCDO have modified their recommendation in respect of the nation I’m in on account of Covid-19 dangers
Your coverage stays legitimate, so long as, previous to your journey commencing, the International, Commonwealth & Improvement Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your vacation spot. If the FCDO advise that travellers in your vacation spot ought to return house instantly, and also you select to disregard this recommendation, this can invalidate your coverage.
It’s your accountability to stick to any quarantine necessities in your return to the UK. If you happen to determine to return early out of your journey to keep away from quarantine necessities, and incur journey prices in doing so, no cowl can be offered for the prices of this. Equally, no cowl is offered beneath the coverage for any prices of lodge quarantine, or Coronavirus testing bills. Sadly we’re solely capable of present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t considered one of them.
If, on account of sudden circumstances past your management, for instance on account of unavoidable change to journey plans on account of airline discount and border closures and many others.., your journey can’t be accomplished throughout the interval of canopy proven in your coverage certificates, please contact your issuing agent with particulars of your scenario and this will likely be thought-about on a case by case foundation.
You’ll be required to proof this unavoidable change to your journey plans e.g. emails to airways, journey brokers, tour ops.
I’ve a forthcoming journey booked to a rustic, which is now being moved from the ‘inexperienced’ checklist to the ‘amber’ or ‘purple’ checklist. Am I nonetheless coated to journey?
Your coverage stays legitimate, so long as, on the date your journey commences, the International, Commonwealth & Improvement Workplace (FCDO) does NOT advise towards all (or all however important) journey to your vacation spot. It’s your accountability to stick to FCDO steering and any quarantine necessities in your outbound journey and your return to the UK. No cowl is offered beneath the coverage for any prices of quarantine, or Coronavirus testing bills. Sadly we’re solely capable of present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t considered one of them.
I’ve a forthcoming journey booked to a rustic which once I booked, the International, Commonwealth & Improvement Workplace (FCDO) did NOT advise towards all (or all however important) journey. Nevertheless the FCDO have now modified their journey recommendation in respect of this vacation spot on account of Covid-19 dangers. Am I nonetheless coated to journey?
No. There isn’t a cowl for any journey the place on the date your journey commences, the International, Commonwealth & Improvement Workplace (FCDO) advise towards all (or all however important) journey to your vacation spot.
I’ve a forthcoming journey booked to a rustic which is now being moved from the ‘inexperienced’ checklist to the ‘amber’ or ‘purple’ checklist. Am I capable of make a declare for Cancellation?
No, this isn’t coated beneath your coverage. Sadly we’re solely capable of present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t considered one of them.
I’ve a forthcoming journey booked to a rustic once I booked, the International, Commonwealth & Improvement Workplace (FCDO) did NOT advise towards all (or all however important) journey. Nevertheless the FCDO have now modified their journey recommendation in respect of this vacation spot on account of Covid-19 dangers. Am I capable of make a declare for Cancellation?
No, this isn’t coated beneath your coverage. Sadly we’re solely capable of present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t considered one of them.
My forthcoming journey has been cancelled, can I make a declare?
In case your tour operator, reserving agent or airline has cancelled your journey it is best to within the first occasion communicate to them a couple of refund or various. This will likely embody your journey agent, lodging and transport suppliers
Beneath Part 75 of the Client Credit score Act, when you pay in your bank card for a person merchandise costing greater than £100, the cardboard firm’s equally liable if one thing happens (goes fallacious). You must contact your bank card issuer for extra data.
Please observe this hyperlink for extra data: http://www.laws.gov.uk/ukpga/1974/39/part/75
Equally, when you paid by debit or cost card it is best to contact your card issuer for recommendation as you might be able to make a declare beneath their cost again guidelines/scheme.
One other useful hyperlink is: https://www.caa.co.uk/Passengers/Resolving-travel-problems/
Full particulars of the coverage protection together with the phrases, circumstances and exclusions might be present in your coverage wording doc.
The only and quickest technique to make a declare is: www.submitaclaim.co.uk/now
Or you possibly can contact the claims firm as follows:
e-mail: [email protected]
Claims Settlement Businesses
308-314 London Highway
Hadleigh
Essex SS7 2DD
Will there be cowl if I’ve to cancel my journey as a result of I’m displaying signs of Coronavirus (Covid-19) and am unable to journey?
For insurance policies bought on or after 1st December 2020:
No. There isn’t a cowl beneath Part A (Cancelling your journey), in case you have signs of Coronavirus (Covid-19).
Nevertheless, in case you have bought a ‘Premier’ coverage and if:
a) you subsequently take a look at optimistic for Coronavirus (Covid-19) and it’s inside 14 days of your journey departure date, or
b) you’re subsequently admitted to hospital on account of testing optimistic for Coronavirus (Covid-19) after the acquisition of this coverage,
your coverage will present cowl beneath Part A (Cancelling your journey), whether it is mandatory and unavoidable to cancel your journey. When submitting a declare, you could present (at your individual expense) a optimistic official take a look at end result confirming your prognosis of Coronavirus (Covid-19).
There isn’t a cowl beneath the ‘Important’ or ‘Basic’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a common exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19)) that applies to all sections of canopy, except Part B1 (Medical and different bills exterior of the UK).
I’ve examined optimistic for Coronavirus (Covid-19) and should cancel my journey as a result of I’m unable to journey. Can I declare?
For insurance policies bought on or after 1st December 2020:
In case you have bought a ‘Premier’ coverage and both:
a) you take a look at optimistic for Coronavirus (Covid-19) and it’s inside 14 days of your journey departure date, or
b) you’re admitted to hospital on account of testing optimistic for Coronavirus (Covid-19) after the acquisition of this coverage
your coverage will present cowl beneath Part A (Cancelling your journey), whether it is mandatory and unavoidable to cancel your journey. When submitting a declare, you could present (at your individual expense) a optimistic official take a look at end result confirming your prognosis of Coronavirus (Covid-19).
There isn’t a cowl beneath the ‘Important’ or ‘Basic’ insurance policies.
For insurance policies bought between seventeenth March 2020 and 30 November 2020:
No. There’s a common exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; except Part B1 (Medical and different bills exterior of the UK).
I’m on account of journey with my spouse and two kids. I’ve examined optimistic for Coronavirus
(Covid-19), though my spouse and youngsters have obtained a adverse take a look at end result and proceed to indicate no signs. I wish to cancel my journey as a result of I’m unable to journey and my spouse doesn’t wish to journey on her personal with our youngsters. Can I declare?
For insurance policies bought on or after 1st December 2020:
In case you have bought a ‘Premier’ coverage and both:
a) an insured individual named on the certificates exams optimistic for Coronavirus (Covid-19) and it’s inside 14 days of your journey departure date, or
b) an insured individual named on the certificates are admitted to hospital on account of testing optimistic for Coronavirus (Covid-19) after the acquisition of this coverage
Sure. Your coverage will present cowl beneath Part A (Cancelling your journey), whether it is mandatory and unavoidable to cancel your journey. When submitting a declare, you could present (at your individual expense) a optimistic official take a look at end result confirming your prognosis of Coronavirus (Covid-19).
There isn’t a cowl beneath the ‘Important’ or ‘Basic’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a common exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; except Part B1 (Medical and different bills exterior of the UK).
Somebody I’ve been involved with has examined optimistic for Coronavirus (Covid-19). I’ve been suggested to self-isolate for 14 days, which implies I should cancel my journey. Can I declare for cancellation of my journey?
For insurance policies bought on or after 1st December 2020:
No. There isn’t a cowl beneath Part A (Cancelling your journey), if you’re suggested to quarantine otherwise you select to self- isolate due to an individual you may have come into contact with having Coronavirus (Covid-19).
Nevertheless, in case you have a ‘Premier’ coverage and if:
a) you subsequently take a look at optimistic for Coronavirus (Covid-19) and it’s inside 14 days of your journey departure date, or
b) you’re subsequently admitted to hospital on account of testing optimistic for Coronavirus (Covid-19) after the acquisition of this coverage,
your coverage will present cowl beneath Part A (Cancelling your journey), whether it is mandatory and unavoidable to cancel your journey. When submitting a declare, you could present (at your individual expense) a optimistic official take a look at end result confirming your prognosis of Coronavirus (Covid-19).
There isn’t a cowl beneath the ‘Important’ or ‘Basic’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a common exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; except Part B1 (Medical and different bills exterior of the UK).
My GP has suggested me to not journey, as I’ve underlying well being circumstances that place me at a better danger’ from Coronavirus (Covid-19). Can I declare if I cancel my journey?
No. There isn’t a cowl beneath Part A (Cancelling your journey), if you’re suggested by a medical skilled to not journey, as you may have underlying well being circumstances that place you ‘at a better danger’ from Coronavirus (Covid-19).
I’m thought-about “susceptible” and am at present shielding, am I coated if I can’t go on my deliberate journey?
Sadly we’re solely capable of present cowl for very particular causes, see Part A (Cancelling your journey) as detailed in your coverage wording, and this isn’t considered one of them.
You must contact your tour operator, reserving agent or airline to debate your scenario, as they can help you by providing you another journey date or vacation spot.
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