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Travel & Covid: How we’re protecting our customers

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To help give you peace of mind, we’ve put together some information about how Covid is affecting travel. Find out how to update your plans, what your travel insurance policy covers you for and from when, and where to find other important information you might need.

Can I take out a travel insurance policy?

If you’re looking to book a holiday, you can still take out a Single Trip Travel Insurance policy as long as you’re travelling on 1 March 2021 or later. This date may be subject to change based on the local and national government lockdown restrictions.

You can also take out a new Annual Multi-Trip Insurance policy, but we can’t cover you for travel before 1 March 2021. We’re unable to cover any travel against national or local government restrictions, so it may be later than 1 March before you can use your Annual Multi-Trip policy if the guidelines are updated.

Is my annual travel insurance still valid?

Your Annual Multi-Trip travel insurance is still valid, however, you will only be covered for trips that begin after 1 March 2021 due to the government’s lockdown restrictions.

If you choose to travel between 5 January 2021 and 1 March 2021, our travel insurance won’t be able to cover you and any claims will be denied.

Can I travel right now?


The UK government put new restrictions on all but essential travel on 5 January 2021. In order to travel, whether it’s within the UK or international, you’ll need a legally-permitted reason for doing so.

You can visit the national lockdown guidance to find out everything you need to know.


From 20 December 2020, and extended on 8 January 2021, there is no travel permitted from or to Wales without a ‘reasonable excuse’. Details can be found on the Welsh government website.


New measures were introduced on 5 January 2021 meaning travel in Scotland must be avoided, unless absolutely necessary and with a ‘reasonable excuse’. There’s more information on the Scottish government website that makes things a little clearer.

Northern Ireland

Northern Ireland introduced restrictions on 26 December 2020, which were strengthened on 5 January 2021, saying that travel must be avoided unless absolutely necessary. See the NI government website for more information and any updates.

What to do if your holiday can’t go ahead

If you have a valid Avanti Travel Insurance policy and your holiday is unable to go ahead due to government restrictions, then we can offer to:

  • Change the travel dates of your single trip travel insurance to within 18 months of your original policy start date (the date you bought the policy). This won’t cost you a thing as long as there’s no increase in your trip duration – although we will honour one extra day for no additional fee.
  • If you need to make changes to, or cancel, your Single Trip Travel Insurance policy, be sure to do this before you were originally due to travel.

In some cases, there might be an additional charge. For example, if you change your destination(s) to an area that needs greater cover, or if there is a change to your health conditions.

Cancelling your policy because of Covid

If your holiday is no longer going ahead, you can cancel your travel insurance policy within the 14 day cooling off period. If you decide to cancel your policy, we can currently offer you a full credit voucher refund (for you to use at a later date) or a cash refund.

Wanting to cancel your Single Trip Travel Insurance policy outside the 14 day cooling off period? Just make sure you cancel your policy before you were originally due to travel.
You can receive a pro-rata credit voucher refund based on the value of your policy.

Your pro-rata credit voucher refund may not be for the full value of your policy as the refund you receive will be for the unused part of your travel insurance. Your refund is calculated from the point you ask to cancel your policy up to the end date of your policy. As soon as you took out your cover, you were covered for cancellation, so it isn’t possible to be refunded for this part of the policy.

Credit vouchers are valid for 36 months, just as long as you haven’t travelled and haven’t, or aren’t intending to, make a claim on your policy. Your credit voucher may be used to pay in full or part pay for your future Avanti Travel Insurance policy.

Your Covid Cover

If you have an existing policy with us (bought on or after 16 March 2020, for travel after 17 July 2020), here’s a reminder of what you’re covered for. You can find the ins and outs of your policy in your policy booklet. Your level of cover will depend on the date you bought your travel insurance, so be sure to check this.

You must travel in line with the government’s lockdown guidelines to be covered by our policy. This includes not travelling between 5 January 2021 and 1 March 2021.

With our COVID-19 cancellation cover, you’ll be covered for:

  • Cancelling your trip if you have COVID-19 within 14 days of travelling
  • Cancellation and repatriation cover if you’re denied boarding with a positive test for COVID-19
  • Cancelling or cutting your trip short after a death in the family from COVID-19
  • Unused, pre-booked excursions if you’re told you self-isolate after getting COVID-19 abroad.

Travelling to Europe

Travel to Europe from the UK is restricted, unless it’s absolutely necessary, between 1 January 2021 and at least 17 May 2021.

We’re unable to offer new Single Trip Travel Insurance policies for trips before 1 March 2021, and current Annual Multi-Trip policies don’t include cover for any trips that start before 1 March 2021 while the government is restricting travel.

Travelling outside Europe

Your travel insurance won’t cover you for travel outside of Europe while the government advises against all but essential travel, until 1 March 2021.

We’re unable to offer any new Single Trip policies for trips starting before 1 March 2021, while our current Annual Multi-Trip policies will not cover any trips taken between 5 January and 1 March 2021.

European FCDO Travel Advice Extension

Once the government’s travel restrictions are lifted, you’ll have the choice to add the European FCDO Travel Advice Extension to your policy. This add-on allows you to travel to European countries when the FCDO advises against ‘all but essential’ travel, if you feel safe to do so.

This add-on gives you a level of cover when travelling against ‘all but essential’ FDCO advice, protecting you against things such as cancellations and lost or stolen luggage. You won’t be covered for COVID-19 related claims or any other reason for the FCDO issuing advice against travelling to your destination.

Please keep in mind that FCDO advice is different from local/national government restrictions on travel. So, you can add the European FCDO Travel Advice Extension to your policy, but we can’t cover you for travelling outside the government’s lockdown guidelines.

For cover against FCDO advice for trips to Europe (and Tunisia, Egypt, Turkey, and Morocco), take a look at our travelling against FCDO advice page.

Stay up to date with the FCDO and check government advice

When you’re planning your holiday, it’s really important that you make the most of all the advice that’s available.

At the moment, the UK government has lockdown restrictions on travel, which means our travel insurance can’t cover you for trips before 1 March 2021.

Keeping up to date with the advice from the UK government, FCDO, and the local government of your destination will make sure you’re well informed of everything that’s going on.

The FCDO provides a lot of handy information about the risks present in any countries you’re thinking of visiting.

Finally, local government information will make you aware of any procedures and restrictions that you’ll need to be aware of on your trip.

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