You are here: Home - Insurance - Understanding -

Government extends guidance against all but essential travel: your refund rights

Written by:
The Foreign and Commonwealth Office (FCO) has extended its warning against all but essential international travel for an indefinite period. Here’s what you need to know if you were due to head overseas.

On 17 March, the Foreign and Commonwealth (FCO) advised against all but essential overseas travel for the next 30 days. The FCO has now extended this advice indefinitely.

People due to travel abroad should be protected, as long as they have travel insurance.

But individual policies will vary so you need to check the small print.

If you have ‘travel disruption cover’ or ‘cancellation due to FCO restrictions’, you should be reimbursed for the lost costs associated if you’re advised not to travel.

The Association of British Insurers (ABI) said: “This unprecedented step actually provides welcome clarity for our customers and the industry. Generally insurance cancellation or travel disruption will relate to FCO advice. This decision will therefore allow policyholders with cancellation or travel disruption cover in place to claim for cancelled trips that were already booked and cannot now go ahead.”

Anyone actively trying to travel to an area which has a travel restriction imposed by the FCO would now risk invalidating their travel policy. And those ignoring government advice against all but essential travel are also likely to invalidate their travel insurance.

If you’ve booked a holiday and it has ATOL protection, this won’t compensate you as it relates to the failure of providers of package holidays, not for a major medical outbreak like coronavirus, according to travel trade body, ABTA.

Holidaymakers should also speak to hotels, car hire firms and airlines to request a refund, particularly if no travel insurance is in place.

Airlines are still operating some flights and a number are being flexible when it comes to re-booking travel dates. If your flight has been cancelled, then your airline should offer you the choice of a full refund or alternative flights.

However, due to the current situation, alternative flights may not be practical to organise.

There are 0 Comment(s)

If you wish to comment without signing in, click your cursor in the top box and tick the 'Sign in as a guest' box at the bottom.

The savings accounts paying the most interest

It’s time to get your finances in shape, and moving your cash savings to a higher paying deal is a good plac...

Everything you need to know about being furloughed

Few people had heard of ‘furlough’ before March 2020, but the coronavirus pandemic thrust the idea of bein...

The experts’ guide to sorting out your personal finances in 2021

From opting to ‘low spend’ months to imposing your own ‘cooling-off period’, industry experts reveal t...

What will happen if rates change

How your finances will be impacted by a rise in interest rates.

Regular Savings Calculator

Small regular contributions can build up nicely over time.

Online Savings Calculator

Work out how your online savings can build over time.

Having a baby and your finances: seven top tips

We’re guessing the Duchess of Cambridge won’t be fretting about maternity pay or whether she’ll still be...

Protecting family wealth: 10 tips for cutting inheritance tax

Inheritance tax - sometimes known as 'death tax' - can cause even more heartache for bereaved families. But th...

Travel insurance: Five tips to ensure a successful claim

Ahead of your summer holiday, it’s important to make sure you have the right level of travel cover or you co...

Money Tips of the Week