Please be aware: It is a dwell net web page and is steadily up to date with the most recent data type our Underwriters. Final up to date 03/06/2021
Please take the time to learn this as emails might take as much as three (3) enterprise days to answer!
Can I purchase a brand new coverage?
Sure you’ll be able to, however you need to be aware that
a) ALL our insurance policies exclude cowl, underneath all sections of the coverage, for claims instantly or not directly associated to the worry 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 instantly 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 except for:
‘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 (Slicing your journey brief)
so long as previous to your journey commencing, the International, Commonwealth & Growth Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your supposed vacation spot.
It’s your accountability 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 – modifications
I have to cancel my coverage, can I get a refund? (Outdoors of the 14 day cooling off interval)
If 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, together 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 assert, and the coverage might be cancelled for you and a refund made. Your coverage might be cancelled from the date you request your coverage to be cancelled.
For Single Journey insurance policies, you can be entitled to a refund, topic to a deduction of 30% of the premium paid to characterize the interval throughout which you’ve been on danger for cancellation cowl.
For Annual Multi-Journey insurance policies, chances are you’ll be entitled to a refund relying on how way back you bought the coverage. Please check 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 scenario and this might be thought of on a case by case foundation.
We’re unable to amend the dates of an annual multi journey coverage.
I’m overseas and I wish to keep longer, can I lengthen my coverage?
In case your coverage hasn’t but expired, there is no such thing as 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 scenario and this might be thought of on a case by case foundation.
I’m overseas and my authentic flight house has been modified by the airline and now happens after my coverage finish date
If, as a consequence of surprising circumstances past your management, for instance as a consequence of unavoidable change to journey plans because of airline discount and border closures and so on.., 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 might be thought of on a case by case foundation.
You can 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 in the event you resolve to journey towards the recommendation of the FCDO. This is able to be for ‘All Journey’ and ‘All however Important Journey’.
Am I nonetheless insured if I journey to a rustic on the ‘Pink’ or ‘Amber’ listing?
The English Authorities’s visitors mild system units out the quarantine and testing necessities for travellers returning to England from abroad. Whether or not or not you can be insured relies on the FCDO recommendation in place to your journey vacation spot on the time of departure. Your coverage won’t present cowl in the event you resolve to journey towards the recommendation of the FCDO. This is able to be for ‘All Journey’ and ‘All however Important Journey’.
To view our information explaining the 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 offers cowl underneath Part B1 (Medical and different bills exterior of the UK), so long as, previous to your journey commencing, the International, Commonwealth & Growth Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your vacation spot. You need to contact the Medical Emergency Help Firm or somebody should accomplish that in your behalf. Full particulars are supplied in your coverage wording.
I’m overseas and have examined constructive for Coronavirus/Covid-19
Your coverage offers cowl underneath Part B1 (Medical and different bills exterior of the UK), so long as, previous to your journey commencing, the International, Commonwealth & Growth Workplace (FCDO) had NOT suggested towards all (or all however important) journey to your vacation spot. You need to contact our Medical Emergency Help Firm or somebody should accomplish that in your behalf. Full particulars are supplied in your coverage wording.
I’m overseas, in a ‘inexperienced listing’ nation, which is being moved to the ‘amber’ or ‘pink’ 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 International, Commonwealth & Growth 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 house instantly, and also you select to disregard this recommendation, this may invalidate your coverage.
It’s your accountability to stick to any quarantine necessities in your return to the UK. For those who resolve to return early out of your journey to keep away from quarantine necessities, and incur journey prices in doing so, no cowl can be supplied for the prices of this. Equally, no cowl is supplied underneath the coverage for any prices of resort 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 all them.
If, as a consequence of surprising circumstances past your management, for instance as a consequence of unavoidable change to journey plans because of airline discount and border closures and so on.., 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 might be thought of on a case by case foundation.
You can 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 ‘pink’ listing. Am I nonetheless coated to journey?
Your coverage stays legitimate, so long as, on the date your journey commences, the International, Commonwealth & Growth Workplace (FCDO) does NOT advise towards all (or all however important) journey to your vacation spot. It’s your accountability to stick to FCDO steering and any quarantine necessities in your outbound journey and your return to the UK. No cowl is supplied 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 all them.
I’ve a forthcoming journey booked to a rustic which after I booked, the International, Commonwealth & Growth Workplace (FCDO) did NOT advise towards all (or all however important) journey. Nonetheless the FCDO have now modified their journey recommendation in respect of this vacation spot as a consequence of Covid-19 dangers. Am I nonetheless coated to journey?
No. There is no such thing as a cowl for any journey the place on the date your journey commences, the International, Commonwealth & Growth 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 ‘pink’ listing. Am I capable of make a declare for Cancellation?
No, this isn’t coated 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 all them.
I’ve a forthcoming journey booked to a rustic after I booked, the International, Commonwealth & Growth Workplace (FCDO) did NOT advise towards all (or all however important) journey. Nonetheless 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 coated 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 all 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 you need to within the first occasion communicate to them a few refund or various. This will likely embrace your journey agent, lodging and transport suppliers
Underneath Part 75 of the Shopper Credit score Act, in the event you 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 observe this hyperlink for extra data: http://www.laws.gov.uk/ukpga/1974/39/part/75
Equally, in the event you paid by debit or cost card you need 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, circumstances and exclusions will be present in your coverage wording doc.
The only and quickest solution 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 is no such thing as a cowl underneath Part A (Cancelling your journey), when you’ve got signs of Coronavirus (Covid-19).
Nonetheless, when you’ve got bought a ‘Premier’ coverage and if:
a) you subsequently check constructive 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 constructive for Coronavirus (Covid-19) after the acquisition of this coverage,
your coverage will present cowl underneath Part A (Cancelling your journey), whether it is mandatory and unavoidable to cancel your journey. When submitting a declare, you should present (at your personal expense) a constructive official check consequence confirming your analysis of Coronavirus (Covid-19).
There is no such thing as a cowl underneath 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, except for Part B1 (Medical and different bills exterior of the UK).
I’ve examined constructive 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:
If in case you have bought a ‘Premier’ coverage and both:
a) you check constructive 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 constructive for Coronavirus (Covid-19) after the acquisition of this coverage
your coverage will present cowl underneath Part A (Cancelling your journey), whether it is mandatory and unavoidable to cancel your journey. When submitting a declare, you should present (at your personal expense) a constructive official check consequence confirming your analysis of Coronavirus (Covid-19).
There is no such thing as a cowl underneath 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; except for Part B1 (Medical and different bills exterior of the UK).
I’m as a consequence of journey with my spouse and two youngsters. I’ve examined constructive for Coronavirus
(Covid-19), though my spouse and kids have acquired a damaging check consequence and proceed to point out no signs. I wish to cancel my journey as a result of I’m unable to journey and my spouse doesn’t wish to journey on her personal with our youngsters. Can I declare?
For insurance policies bought on or after 1st December 2020:
If in case you have bought a ‘Premier’ coverage and both:
a) an insured individual named on the certificates checks constructive for Coronavirus (Covid-19) and it’s inside 14 days of your journey departure date, or
b) an insured individual named on the certificates are admitted to hospital as a consequence of testing constructive 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 mandatory and unavoidable to cancel your journey. When submitting a declare, you should present (at your personal expense) a constructive official check consequence confirming your analysis of Coronavirus (Covid-19).
There is no such thing as a cowl underneath 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; except for Part B1 (Medical and different bills exterior of the UK).
Somebody I’ve been in touch with has examined constructive 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 is no such thing as a 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’ve come into contact with having Coronavirus (Covid-19).
Nonetheless, when you’ve got a ‘Premier’ coverage and if:
a) you subsequently check constructive 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 constructive for Coronavirus (Covid-19) after the acquisition of this coverage,
your coverage will present cowl underneath Part A (Cancelling your journey), whether it is mandatory and unavoidable to cancel your journey. When submitting a declare, you should present (at your personal expense) a constructive official check consequence confirming your analysis of Coronavirus (Covid-19).
There is no such thing as a cowl underneath 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; except for 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 is no such thing as a cowl underneath Part A (Cancelling your journey), in case you are suggested by a medical skilled to not journey, as you’ve underlying well being circumstances that place you ‘at the next danger’ from Coronavirus (Covid-19).
I’m thought of “susceptible” and am presently shielding, am I coated 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 all 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.