I haven’t travelled yet - can I make a claim to cancel my trip due to coronavirus?
If you have a travel policy starting with SL9, SA9, MT9 or GY9, you should contact your travel claims team if you are affected by one of the following circumstances
- You are due to travel to an area where a regulatory body has advised against travel to and you have costs that will not be covered by your tour operator or transport provider. Your claims handler will request written evidence detailing this and any refunds you have received, so contact your tour operator and / or transport and accommodation provider first to see if they will refund any costs.
- You are unable to commence your trip due to a compulsory quarantine or a regulatory authority advising you not to leave your home. You should also contact your claims team if the area you are due to travel to is ‘locked down’ due to quarantine.
- You have a pre-existing medical condition and a medical practitioner has advised you not to travel due to a risk to your health.
- You are due to travel to an area where you will need to self-isolate upon return.
If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9, under the following circumstances:
- I am due to travel and I have symptoms of coronavirus or have been diagnosed with the condition.
- I am due to travel and a close relative has symptoms of Coronavirus or has been diagnosed with the condition.
- I am unable to travel due to compulsory quarantine by a medical practitioner advising me not to leave my home.
- My child is due to go on a school trip, but staff member(s) have been placed in compulsory quarantine by a medical practitioner and the trip can no longer go ahead.
- I am unable to travel because I work in the armed forces, police, nursing or ambulance services and my annual leave has been cancelled for operational reasons.
In the first instance you should speak to your accommodation / transport provider to defer, rearrange or cancel your trip. Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.
If you purchased your policy prior to 4.27pm on 11th March 2020 and have any costs you are unable to recover, contact our claims team to submit a claim. For full details of how to submit a claim, please refer to you policy documentation under “Claims Conditions”.
The policy does not cover cancellation for the following events:
- I am due to travel to a country or region that the Foreign and Commonwealth Office or equivalent government or national authority, or the World Health Organisation has advised against travelling to.
- My airline has cancelled my flight due to the Coronavirus, but the Foreign and Commonwealth Office has not advised against travel to that country or region.
- My visa has been suspended due to the Coronavirus and I am unable to travel as planned.
- I am unable to travel due to a regulatory authority advising me not to leave my home i.e. “lock down”.
- I have voluntarily chosen to “self-isolate” without orders from a medical practitioner and am unwilling to travel.
- My child is due to go on a school trip, but the school has closed following government advice.
- I am disinclined to travel due to concerns / fear around Coronavirus.
- I am due to travel to an area where I will need to self-isolate upon return.
- I am due to travel, but the main purpose of the trip was to attend an event that has now been cancelled or visit an attraction that is now closed.
- Known circumstances/events at the start date of your cover. Effective from 4.27pm on 11th March 2020, Coronavirus (Covid-19) was declared a pandemic by the World Health Organisation and became a global known event. All policies sold after this time (or new trips booked under existing policies) will not cover claims under the ‘Cancellation or curtailment charges’ section due to Coronavirus (Covid-19).
You should speak to your accommodation / transport provider to defer, rearrange or cancel your trip.
Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.
Please note: Cancellation is not covered if you decide not to travel to an area for which there is no regulatory advice in place.