Government or other regulatory authority restrictions due to a Covid-19 were already in place at time of purchasing insurance/booking holiday, and restrictions remain in place at time of departure preventing you from travelling. |
No Cover |
There is no cover under your policy for circumstances known to you at the point of purchase. |
Government or other regulatory authority restrictions due to a Covid-19 were in place at time of departure and you travelled anyway. You need to make a claim under your policy (under any section). |
No Cover |
There is no cover under your policy if you travel against Foreign and Commonwealth Office (FCO) or other government advice. |
Current government restrictions are removed but are later reinstated due to Covid-19 and prevent you from travelling. |
No Cover |
Your policy does not cover cancellation due to government restrictions if the policy or trip was purchased after 13th March. |
Government restrictions are introduced due to a Covid-19 that do not restrict you from travelling to your destination but require you to be quarantined on return from your trip. You no longer wish to travel and want to cancel your holiday. |
No Cover |
Your policy does not cover cancellation due to disinclination to travel. |
You are due to travel but hear that there are a number of cases of a Covid-19 near where you are staying. You no longer wish to travel and want to cancel your holiday. |
No Cover |
Your policy does not cover cancellation due to disinclination to travel. |
You have been furloughed and no longer wish to travel. |
No Cover |
Your policy does not cover cancellation due to disinclination to travel. |
You booked your trip to attend a specific event (ie Wedding, Sporting Event, Trade Show) which has been cancelled. You no longer wish to travel and want to cancel your trip. |
No Cover |
Your policy does not cover disinclination to travel for any reason (including due to event cancellation). |
You booked your flight and hotel seperately. Your flight is proceeding as planned but your hotel has cancelled your booking, there are other hotels available but you do not wish to travel if you cannot stay at your originally planned hotel. |
No Cover |
Your policy does not cover disinclination to travel for any reason (including due to a change of venue). |
You are due to travel and your hotel advises that certain facilities may now be restricted or closed during your stay. You no longer wish to travel and want to cancel your holiday. |
No Cover |
Your policy does not cover disinclination to travel for any reason (including lack of advertised facilities at your hotel or venue). |
Your holiday has been cancelled due to a Foreign and Commonwealth Office (FCO) advice and your provider is only offering you a voucher rather than a refund. |
No Cover |
Your policy only covers irrevocable losses. Please note that in most cases you will have a legal right to a refund and should take the matter further with your provider. |
You have been denied boarding at the airport due to detected symptoms of Covid-19. |
No Cover |
Claims will only be considered where there is a medical diagnosis with Coronavirus (Covid-19) or a personal instruction to quarantine by the NHS or a healthcare professional. |