Please notice: It is a dwell internet web page and is continuously up to date with the most recent info 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’ll be able to, however it is best to notice that
a) ALL our insurance policies exclude cowl, underneath all sections of the coverage, for claims immediately or not directly associated to the concern 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 immediately or not directly associated to a pandemic and/or epidemic, together with however not restricted to Coronavirus (Covid-19).
This normal exclusion applies to all sections of canopy except for:
‘Important’ & ‘Traditional’ insurance policies solely
- Part B1 (Medical and different bills outdoors of the UK)
- Part B2 (Bills inside the UK)
‘Premier’ insurance policies solely
- Part A (Cancelling your journey)
- Part B1 (Medical and different bills outdoors of the UK)
- Part B2 (Bills inside the UK)
- Part C (Reducing your journey quick)
so long as previous to your journey commencing, the Overseas, Commonwealth & Improvement Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your supposed vacation spot.
It’s your duty to examine 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 – adjustments
I must cancel my coverage, can I get a refund? (Exterior 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 have to to contact the corporate you got your coverage from, along with your coverage certificates, the rationale 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 can be cancelled for you and a refund made. Your coverage can be cancelled from the date you request your coverage to be cancelled.
For Single Journey insurance policies, you’ll be entitled to a refund, topic to a deduction of 30% of the premium paid to symbolize the interval throughout which you may have been on danger for cancellation cowl.
For Annual Multi-Journey insurance policies, you could be entitled to a refund relying on how way back you bought the coverage. Please confer with the phrases outlined underneath the ‘Cancellation and Refunds’ part of the coverage wording, which will be discovered on web page 13.
My journey has been moved to a date sooner or later, can I modify the dates on my Single Journey coverage?
Please contact us with particulars of your state of affairs and this can 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 lengthen my coverage?
In case your coverage hasn’t but expired, there isn’t a change to the well being of anybody insured underneath the coverage, no claims have been made or are supposed to be made, then please contact us with particulars of your state of affairs and this can be thought-about on a case by case foundation.
I’m overseas and my unique flight residence has been modified by the airline and now happens after my coverage finish date
If, as a consequence of sudden circumstances past your management, for instance as a consequence of unavoidable change to journey plans because of airline discount and border closures and so forth.., your journey can’t be accomplished throughout the interval of canopy proven in your coverage certificates, please contact us with particulars of your state of affairs and this can be thought-about on a case by case foundation.
You may 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 won’t present cowl for those who determine to journey towards the recommendation of the FCDO. This may be for ‘All Journey’ and ‘All however Important Journey’.
Am I nonetheless insured if I journey to a rustic on the ‘Crimson’ or ‘Amber’ listing?
The English Authorities’s site visitors gentle system units out the quarantine and testing necessities for travellers returning to England from abroad. Whether or not or not you’ll be insured is dependent upon the FCDO recommendation in place on your journey vacation spot on the time of departure. Your coverage won’t present cowl for those who determine to journey towards the recommendation of the FCDO. This may be for ‘All Journey’ and ‘All however Important Journey’.
To view our information explaining the site 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 offers cowl underneath Part B1 (Medical and different bills outdoors of the UK), so long as, previous to your journey commencing, the Overseas, Commonwealth & Improvement Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your vacation spot. You will 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 offers cowl underneath Part B1 (Medical and different bills outdoors of the UK), so long as, previous to your journey commencing, the Overseas, Commonwealth & Improvement Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your vacation spot. You will 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 listing’ nation, which is being moved to the ‘amber’ or ‘purple’ listing
OR
I’m overseas, and the FCDO have modified their recommendation in respect of the nation I’m in as a consequence of Covid-19 dangers
Your coverage stays legitimate, so long as, previous to your journey commencing, the Overseas, 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 residence instantly, and also you select to disregard this recommendation, this may invalidate your coverage.
It’s your duty to stick to any quarantine necessities in your return to the UK. In case you determine to return early out of your journey to keep away from quarantine necessities, and incur journey prices in doing so, no cowl could be offered for the prices of this. Equally, no cowl is offered underneath 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 one in every of them.
If, as a consequence of sudden circumstances past your management, for instance as a consequence of unavoidable change to journey plans because of airline discount and border closures and so forth.., 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 state of affairs and this can be thought-about on a case by case foundation.
You may 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’ listing to the ‘amber’ or ‘purple’ listing. Am I nonetheless lined to journey?
Your coverage stays legitimate, so long as, on the date your journey commences, the Overseas, Commonwealth & Improvement Workplace (FCDO) does NOT advise towards all (or all however important) journey to your vacation spot. It’s your duty to stick to FCDO steering and any quarantine necessities in your outbound journey and your return to the UK. No cowl is offered underneath 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 one in every of them.
I’ve a forthcoming journey booked to a rustic which once I booked, the Overseas, 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 as a consequence of Covid-19 dangers. Am I nonetheless lined to journey?
No. There isn’t any cowl for any journey the place on the date your journey commences, the Overseas, 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’ listing to the ‘amber’ or ‘purple’ listing. Am I capable of make a declare for Cancellation?
No, this isn’t lined underneath your coverage. Sadly we’re solely capable of present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t one in every of them.
I’ve a forthcoming journey booked to a rustic once I booked, the Overseas, 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 as a consequence of Covid-19 dangers. Am I capable of make a declare for Cancellation?
No, this isn’t lined underneath your coverage. Sadly we’re solely capable of present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t one in every 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 may occasionally embrace your journey agent, lodging and transport suppliers
Underneath Part 75 of the Client Credit score Act, for those who 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 info.
Please observe this hyperlink for extra info: http://www.legislation.gov.uk/ukpga/1974/39/section/75
Equally, for those who paid by debit or cost card it is best to contact your card issuer for recommendation as you could possibly make a declare underneath 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, situations and exclusions will be present in your coverage wording doc.
The best and quickest method to make a declare is: www.submitaclaim.co.uk/now
Or you’ll be able to contact the claims firm as follows:
e-mail: [email protected]
Claims Settlement Companies
308-314 London Street
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 any cowl underneath Part A (Cancelling your journey), when you have signs of Coronavirus (Covid-19).
Nevertheless, when 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 as a consequence of testing optimistic for Coronavirus (Covid-19) after the acquisition of this coverage,
your coverage will present cowl underneath Part A (Cancelling your journey), whether it is essential and unavoidable to cancel your journey. When submitting a declare, you need to present (at your personal expense) a optimistic official take a look at end result confirming your analysis of Coronavirus (Covid-19).
There isn’t any cowl underneath the ‘Important’ or ‘Traditional’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a normal exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19)) that applies to all sections of canopy, except for Part B1 (Medical and different bills outdoors of the UK).
I’ve examined optimistic for Coronavirus (Covid-19) and must 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 as a consequence of testing optimistic for Coronavirus (Covid-19) after the acquisition of this coverage
your coverage will present cowl underneath Part A (Cancelling your journey), whether it is essential and unavoidable to cancel your journey. When submitting a declare, you need to present (at your personal expense) a optimistic official take a look at end result confirming your analysis of Coronavirus (Covid-19).
There isn’t any cowl underneath the ‘Important’ or ‘Traditional’ insurance policies.
For insurance policies bought between seventeenth March 2020 and 30 November 2020:
No. There’s a normal exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; except for Part B1 (Medical and different bills outdoors of the UK).
I’m as a consequence of journey with my spouse and two kids. I’ve examined optimistic for Coronavirus
(Covid-19), though my spouse and kids have acquired a destructive take a look at end result and proceed to point out no signs. I need to cancel my journey as a result of I’m unable to journey and my spouse doesn’t need 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 particular person named on the certificates checks optimistic for Coronavirus (Covid-19) and it’s inside 14 days of your journey departure date, or
b) an insured particular person named on the certificates are admitted to hospital as a consequence of testing optimistic for Coronavirus (Covid-19) after the acquisition of this coverage
Sure. Your coverage will present cowl underneath Part A (Cancelling your journey), whether it is essential and unavoidable to cancel your journey. When submitting a declare, you need to present (at your personal expense) a optimistic official take a look at end result confirming your analysis of Coronavirus (Covid-19).
There isn’t any cowl underneath the ‘Important’ or ‘Traditional’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a normal exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; except for Part B1 (Medical and different bills outdoors 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 must 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 any cowl underneath Part A (Cancelling your journey), in case you are 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, when 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 as a consequence of testing optimistic for Coronavirus (Covid-19) after the acquisition of this coverage,
your coverage will present cowl underneath Part A (Cancelling your journey), whether it is essential and unavoidable to cancel your journey. When submitting a declare, you need to present (at your personal expense) a optimistic official take a look at end result confirming your analysis of Coronavirus (Covid-19).
There isn’t any cowl underneath the ‘Important’ or ‘Traditional’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a normal exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; except for Part B1 (Medical and different bills outdoors of the UK).
My GP has suggested me to not journey, as I’ve underlying well being situations that place me at the next danger’ from Coronavirus (Covid-19). Can I declare if I cancel my journey?
No. There isn’t any cowl underneath Part A (Cancelling your journey), in case you are suggested by a medical skilled to not journey, as you may have underlying well being situations that place you ‘at the next danger’ from Coronavirus (Covid-19).
I’m thought-about “susceptible” and am presently shielding, am I lined if I can not 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 one in every of them.
You must contact your tour operator, reserving agent or airline to debate your state of affairs, as they are able to help you by providing you another journey date or vacation spot.
