[Closed] Travel Insurance, coronavirus etc

Well the insurance I took out long before Corona virus kicked off covered me for my trip to bolonga last weekend.being stopped by FCO advice changing to advice not to travel.

My cousin who didn't buy prior to it kicking off couldn't get cover for this - tried to buy last Tuesday.

I guess insurance cos are limiting losses against people buying insurance after the risk has climbed sufficiently.

It is somewhat like trying to buy insurance after the car has been crashed.

I should add - at sensible prices to that ........ My coverage was 6 quid at time of booking his was showing up at 50+ quid for a weekend

Checked last night and the cover I get through Barclays with my account covers us.

Yep quite a few of our party were covered by that. The key part there was it was in place before the risk rose.

Was discussed on this thread as bit last week

https://singletrackmag.com/forum/topic/coronavirus-and-european-travel-in-march/#post-11065559

I took out insurance with Leisure Guard after I had confirmation via an online chat that I would be covered if the FCO advised not to travel. I've saved the chat transcript for future reference.

may be a silly question, but we have travel insurance (coverwise) that runs out mid may, yet we have a greece holiday start of june.

how does that work if our flights are cancelled before the policy ends, but for flights that are after it ends?

hope that makes sense......

I queried this earlier this week with regards our annual cover via Yellow Jersey which is due in June. I was told we would be offered renewal terms 2 to 3 weeks before it runs out. More concerned about the medical cover than the cancellation in case of injuries. Couldn't or wouldn't confirm on what the premium may be.

MrsMC apparently booked cover for daughter's trip to Iceland earlier this evening without any problems

I've just taken out cover for a trip to Spain, thought it best to get it sorted with the way things are going.

Got myself Nationwide's cover which includes all sorts of things.

Just as well as forked out a lot of money for a trip to the States. Although I very much intend to go unless we absolutely can't.

I think the government thing is different. It has always been that they will pay out if the FO says dont go. Lao worth noting that there is normally a clause that says you aren't covered if you ignore that advice. Had to look into it for a few holidays where countries have some safe areas and some no go areas (Ethiopia and Turkey spring to mind).

Regarding annual policies you are covered while the policy is active. We had to check for a recent trip as it ended while we were away. Again there was a clause that if the trip started while the policy was active you were covered.

At this point the way things are going in the UK, unless you are heading into one of the really high risk places you are probably as much at risk at home. Wouldnt worry about most trips but might be a bit concerned about getting quarantined in somewhere a bit off the beaten track!

So my insurance wont cover cancellation even if advised not to travel by government!

https://support.bikmo.com/hc/en-us/articles/360006556618-Travel-Insurance-advice-for-customers-affected-by-Coronavirus-COVID-19

Just checked AXA and they say

"In general, travel insurers compensate for cancellations only under certain circumstances:

1. The FCO advises against travel to the booked destination.
2. The insurance policy includes Travel Disruption Cover*.
3. The holidaymaker has already contacted their airline or travel provider to change dates or arrange a refund.
These three conditions must be met for the policy to kick in.

* In the case of novel coronavirus, we have decided to lift that condition for the next two months. Even if your AXA policy doesn’t include Travel Disruption Cover, you can claim for cancellation if the FCO advises against travel to your precise destination. Our extension of cover is valid for trips due to depart on or before 30 April."

So our trip to Belgium at the start of April is covered (to be fair at the moment Belgium looks to be less affected than some other countries anyway). My main issue is whether the tour of Flanders/Paris Roubaix actually happen!

Direct line told me I was covered if flights were cancelled etc. This was a week ago taking out an annual policy

may be a silly question, but we have travel insurance (coverwise) that runs out mid may, yet we have a greece holiday start of june.

how does that work if our flights are cancelled before the policy ends, but for flights that are after it ends?

hope that makes sense……

I queried this earlier this week with regards our annual cover via Yellow Jersey which is due in June. I was told we would be offered renewal terms 2 to 3 weeks before it runs out.

well things have obviously developed somewhat since then, looks like we'll be lucky to see anywhere abroad this year really, so.....
we were looking at renewing our policy for may, and maybe adding a policy for our lad. i assume given the current situation we'd be daft both renewing and starting any policy really, as anything already covered will either be covered or not anyway, and any new policies wouldnt include cancellations due to CV, yep?
and the 3 breaks we had planned to cover when this policy runs out (one each in june, july and august) we'd have no chance of covering now anyway?
so its just damage limitation, see what we get back from airlines, take the hit on foreign accommodation, sit tight with no policies until it sorts itself out, that sound about right?

cheers

We took out an annual policy with yellow jersey at the start of the year before all this kicked off to cover us for a trip to the states in September.

Seems that yellow jersey don't cover for FCO-no fly instructions. Wonder how many others will be similarly caught out by small print.

What happens if the airline cancels the flight? Had return flights to UK with easyJet at Easter, I gather they're all cancelled. Do they just trouser the money?
Hotel's offered refunds, just wondered what easyJet do when you've bought the cheapest, non Flexi flights. Suck it up? Was 3 or 400 quid iirc, booked it months ago

Surely if the airline cancels then they have to refund

My Ryan air flight to Majorca won't be happening as the airport is shut, and I fully expect a refund from them.

Seems that yellow jersey don’t cover for FCO-no fly instructions. Wonder how many others will be similarly caught out by small print.

I think my next q would be Ok so you don't respect FCO travel restrictions. So I assume I'm covered if I travel anyway.

That will get stuck in a Schrödinger's arguement ...... Then I'd be going after what ever I paid on cc in event of FCO no fly.

Surely the easiest option is to 'catch corovirus', then you are unable to travel due to illness. Screenshot of the 111 website and you're golden

tpbiker
Member
Surely if the airline cancels then they have to refund

My Ryan air flight to Majorca won’t be happening as the airport is shut, and I fully expect a refund from them.

easyJet refunded my flight to fuerteventura and Ryanair refunded my son's flight to Milan

Re Yellow Jersey - no FCO cover but in a clever caveat, if you ignore FCO, your policy is invalid.

With 4 of us planning to go, maybe one of us will be I'll at the time if the holiday