Please be aware: This can be a reside net web page and is incessantly 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 reply to!
Can I purchase a brand new coverage?
Sure you’ll be able to, however it is best to be aware that
a) ALL our insurance policies exclude cowl, beneath all sections of the coverage, for claims immediately or not directly associated to the worry or menace 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 basic exclusion applies to all sections of canopy aside from:
‘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 (Chopping your journey brief)
so long as previous to your journey commencing, the Overseas, Commonwealth & Improvement Workplace (FCDO) had NOT suggested in opposition to all (or all however important) journey to your meant vacation spot.
It’s your duty to examine the most recent recommendation from the FCDO previous to commencing your journey, which yow will discover at https://www.gov.uk/foreign-travel-advice.
Current Insurance policies – adjustments
I must cancel my coverage, can I get a refund? (Outdoors of the 14 day cooling off interval)
You probably 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 purchased your coverage from, along 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 probably be cancelled for you and a refund made. Your coverage will probably be cancelled from the date you request your coverage to be cancelled.
For Single Journey insurance policies, you may be entitled to a refund, topic to a deduction of 30% of the premium paid to symbolize the interval throughout which you might have been on danger for cancellation cowl.
For Annual Multi-Journey insurance policies, you might 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 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 scenario and this will probably 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 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 probably 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, resulting from surprising circumstances past your management, for instance resulting from unavoidable change to journey plans because 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 probably 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 in opposition to the recommendation of the FCDO?
No. Your coverage won’t present cowl if you happen to resolve to journey in opposition to 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 ‘Purple’ or ‘Amber’ record?
The English Authorities’s site visitors mild system units out the quarantine and testing necessities for travellers returning to England from abroad. Whether or not or not you may be insured will depend on the FCDO recommendation in place on your journey vacation spot on the time of departure. Your coverage won’t present cowl if you happen to resolve to journey in opposition to the recommendation of the FCDO. This may be for ‘All Journey’ and ‘All however Important Journey’.
To view our information explaining the site visitors mild 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 Overseas, Commonwealth & Improvement Workplace (FCDO) had NOT suggested in opposition to all (or all however important) journey to your vacation spot. It’s essential to contact the Medical Emergency Help Firm or somebody should achieve this 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 Overseas, Commonwealth & Improvement Workplace (FCDO) had NOT suggested in opposition to all (or all however important) journey to your vacation spot. It’s essential to contact our Medical Emergency Help Firm or somebody should achieve this in your behalf. Full particulars are offered in your coverage wording.
I’m overseas, in a ‘inexperienced record’ nation, which is being moved to the ‘amber’ or ‘crimson’ record
OR
I’m overseas, and the FCDO have modified their recommendation in respect of the nation I’m in resulting from Covid-19 dangers
Your coverage stays legitimate, so long as, previous to your journey commencing, the Overseas, Commonwealth & Improvement Workplace (FCDO) had NOT suggested in opposition to 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 duty to stick to any quarantine necessities in your return to the UK. In case you resolve 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 beneath the coverage for any prices of lodge quarantine, or Coronavirus testing bills. Sadly we’re solely in a position to present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t one among them.
If, resulting from surprising circumstances past your management, for instance resulting from unavoidable change to journey plans because 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 probably 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’ record to the ‘amber’ or ‘crimson’ record. Am I nonetheless coated to journey?
Your coverage stays legitimate, so long as, on the date your journey commences, the Overseas, Commonwealth & Improvement Workplace (FCDO) does NOT advise in opposition to all (or all however important) journey to your vacation spot. It’s your duty to stick to FCDO steerage 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 in a position to present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t one among them.
I’ve a forthcoming journey booked to a rustic which after I booked, the Overseas, Commonwealth & Improvement Workplace (FCDO) did NOT advise in opposition to all (or all however important) journey. Nevertheless the FCDO have now modified their journey recommendation in respect of this vacation spot resulting from Covid-19 dangers. Am I nonetheless coated 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 in opposition to 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’ record to the ‘amber’ or ‘crimson’ record. Am I in a position to make a declare for Cancellation?
No, this isn’t coated beneath your coverage. Sadly we’re solely in a position to present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t one among them.
I’ve a forthcoming journey booked to a rustic after I booked, the Overseas, Commonwealth & Improvement Workplace (FCDO) did NOT advise in opposition to all (or all however important) journey. Nevertheless the FCDO have now modified their journey recommendation in respect of this vacation spot resulting from Covid-19 dangers. Am I in a position to make a declare for Cancellation?
No, this isn’t coated beneath your coverage. Sadly we’re solely in a position to present cowl for very particular circumstances, as detailed in your coverage wording, and this isn’t one among 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 converse to them a few refund or different. This may increasingly embrace your journey agent, lodging and transport suppliers
Below Part 75 of the Client Credit score Act, if you happen to 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). It’s best to contact your bank card issuer for extra data.
Please comply with this hyperlink for extra data: http://www.laws.gov.uk/ukpga/1974/39/part/75
Equally, if you happen to 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 will be present in your coverage wording doc.
The best and quickest option to make a declare is: www.submitaclaim.co.uk/now
Or you’ll be able to contact the claims firm as follows:
e-mail: data@csal.co.uk
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 any cowl beneath Part A (Cancelling your journey), when you’ve got signs of Coronavirus (Covid-19).
Nevertheless, when you’ve got 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 resulting from 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 need to present (at your individual expense) a optimistic official take a look at outcome confirming your analysis of Coronavirus (Covid-19).
There isn’t any cowl beneath the ‘Important’ or ‘Basic’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a basic exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19)) that applies to all sections of canopy, aside from Part B1 (Medical and different bills exterior 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:
You probably 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 resulting from 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 need to present (at your individual expense) a optimistic official take a look at outcome confirming your analysis of Coronavirus (Covid-19).
There isn’t any cowl beneath the ‘Important’ or ‘Basic’ insurance policies.
For insurance policies bought between seventeenth March 2020 and 30 November 2020:
No. There’s a basic exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; aside from Part B1 (Medical and different bills exterior of the UK).
I’m resulting from 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 outcome and proceed to indicate 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 kids. Can I declare?
For insurance policies bought on or after 1st December 2020:
You probably have bought a ‘Premier’ coverage and both:
a) an insured particular person named on the certificates assessments 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 resulting from 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 need to present (at your individual expense) a optimistic official take a look at outcome confirming your analysis of Coronavirus (Covid-19).
There isn’t any cowl beneath the ‘Important’ or ‘Basic’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a basic exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; aside from Part B1 (Medical and different bills exterior of the UK).
Somebody I’ve been in touch with has examined optimistic for Coronavirus (Covid-19). I’ve been suggested to self-isolate for 14 days, which suggests 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 beneath Part A (Cancelling your journey), in case you are suggested to quarantine otherwise you select to self- isolate due to an individual you might have come into contact with having Coronavirus (Covid-19).
Nevertheless, when you’ve got 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 resulting from 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 need to present (at your individual expense) a optimistic official take a look at outcome confirming your analysis of Coronavirus (Covid-19).
There isn’t any cowl beneath the ‘Important’ or ‘Basic’ insurance policies.
For insurance policies bought between seventeenth March 2020 and thirtieth November 2020:
No. There’s a basic exclusion referring to a pandemic and/or epidemic (together with Coronavirus (Covid-19) that applies to all sections of canopy; aside from 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 the next danger’ from Coronavirus (Covid-19). Can I declare if I cancel my journey?
No. There isn’t any cowl beneath Part A (Cancelling your journey), in case you are suggested by a medical skilled to not journey, as you might have underlying well being circumstances that place you ‘at the next danger’ from Coronavirus (Covid-19).
I’m thought-about “susceptible” and am at present shielding, am I coated if I can not go on my deliberate journey?
Sadly we’re solely in a position to present cowl for very particular causes, see Part A (Cancelling your journey) as detailed in your coverage wording, and this isn’t one among them.
It’s best to contact your tour operator, reserving agent or airline to debate your scenario, as they can help you by providing you an alternate journey date or vacation spot.