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Can I still buy travel insurance with the coronavirus affecting travel?

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FCO advise against all travel for Brits for 30 days, what does this mean for my travel insurance?

On 17 March, the Foreign and Commonwealth Office (FCO) advised against all travel for Brits for the next 30 days.

This means that if you’re due to travel from 17 March to 16 April 2020, then your travel insurance policy will no longer protect your trip at the moment.

We understand this news may feel disappointing, but most travel companies should help you to rearrange your travel dates if this affects you.

If you need to rearrange your single trip cover dates to match your new holiday, then you can contact us to move your cover to within 13 months of the date you bought your policy. We’re always happy to help you.

Can I still buy a new travel insurance policy if I’ve booked my holiday?

If you haven’t bought your cover yet and are planning on going on holiday after the 30 day restriction, then you can and should still buy a travel insurance policy.

Buying travel insurance is still important and advised by the government to protect your trip when it is safe to travel.

If you’re buying a travel insurance policy while there are travel bans in place, your policy will be made valid when the bans are lifted.

Buying your cover now is a small step, but one that can leave you with peace of mind that you’ve already covered your holiday ready for when it’s safe to go.

We can’t promise that your holiday won’t be affected by COVID-19. As it’s no longer an unforeseen event, we won’t be able to cover you for anything caused or related to it.

But if you can go away, you’ll have one less thing to worry about, having already sorted your travel insurance. That way, you can focus on more exciting things like your upcoming trip.

If you can’t travel, because it’s still not safe to go, then most holiday companies are helping people whose holidays are newly affected by COVID-19 travel restrictions. Your travel company may be able to help you by moving your holiday date to a later one where they can. If this does happen to you, then you can move your single trip policy dates to within 13 months of the date you first bought your policy, to cover your new trip. That way, you can relax knowing everything is sorted for when it’s safe for you to travel.

Can I buy an annual policy?

You can still buy an annual travel insurance policy. For a limited time, we’re even extending our annual policy from 12 months to cover you for 15 months. That means you’ll get three months extra cover for free.

We know that travel plans can change very quickly at the minute, so buying an annual policy might be a good choice for you if you have a lot of holidays planned as it will mean you won’t need to tell us about your changing travel plans unless it means a change to the level of cover you’ve chosen.

With three months extra, this extends our support to allow your cover to continue if you do need to change your dates with your holiday provider.

This offer ends 30 April 2020 and is only valid when you start your policy in the next 30 days.

If I travel against government advice, would I be covered?

With the government advising against all but essential travel for Brits for 30 days, it is still possible to travel if it’s essential. But it’s important to know that your travel insurance policy would be invalid and wouldn’t protect your trip.

So it’s vital that you check travel advice before you travel.

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