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This article was posted on 12-11-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).

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Coronavirus FAQs - Updated 23rd March 2020 (TIF)


COVID19 – Sales and Medical Screening
Please find below our FAQ’s in relation to COVID19 and associated travel advice which should cover most of the questions you might have in relation to policy sales queries and amendments to existing policies.

 

Claim queries

 

I am looking to make a claim for cancellation or want to put a claim in for something related to COVID19, FCO travel advice or border restrictions, can you give me advice?

 

Please review the FAQ’s for claims here https://www.first-travel-insurance.co.uk/covid-19-claims-faqs-helpful-advice/. Where you should find the answers to most commonly asked questions in relation to these circumstances.

 

I am looking to make a claim for Cancellation or Curtailment please can you send me a claims form.

 

Please be aware that claim forms can be downloaded online and we are currently unable to email or post these to you.

 

Before downloading a form, please review the information in our ‘important things we want to highlight’.  As general advice, please be aware that if your trip has been cancelled, rearranged or curtailed as a result of COVID19 and/or FCO advice, then it is likely that your transport and/or accommodation provider is going to be able to refund you. We will only be considering claims where you have approached the appropriate provider for either refund/reimbursement or change to trip dates, prior to submitting a claim to us. There are some details further down the page as to who you can approach to support you before submitting a claim to our team.

 

If after approaching your accommodation and transport providers, you are still looking to make a claim for cancellation or curtailment relating to COVID-19 of change in FCO advice, you can download the relevant claim form from our website here.

 

Please complete this form fully and send it back to us with all the supporting documentation requested. Missing information could result in delays to the assessment of your claim.

 

New policies

 

New policies are available to purchase; however, the following exclusions have been added to our Policies:
  • There is no cover under this policy for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises you not to travel, for example where the FCO advise against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2) or any mutation of Coronavirus, COVID19 or SARs-COV-2.
  • There is no cover under this policy for any claims as a result of Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. Except for Section B3 Emergency Medical Expenses. This will only apply if you did not travel against the published advice of the FCO, any local government, local authority or WHO.

 

Flight company and Air Passenger Rights

 

Flight companies are regulated by the Civil Aviation Authority. If your flight operator cancels or can’t fulfil your flight then there is protection available under something called the ‘Montreal Convention’. Some airlines are going over and above their requirements and so it is important to contact them in the first instance to find out what support they can give you.

 

Flight cancellations by the airline need to be claimed directly from them, your insurer will not consider a claim unless you have sought a refund from your airline in the first instance.

 

All around the world, passenger rights for international flights are protected under the Montreal Convention. Essentially, this piece of law states that the airline is responsible for you if your flight is cancelled and/or you are left stranded at an airport waiting for a flight. These measures of care include:
  • Meals and refreshments
  • Communication to the outside world (two occasions)
  • Hotel accommodations when necessary
  • Rerouting to your final destination
In countries like Canada, Israel and the Member States of the European Union, your rights are protected even further.
Like any piece of law, it is complicated and not that easy to read! But below is a link and if you google CAA and Montreal Convention then you will find some useful information online that may help you.

 

 

Existing Policies – changes

 

My trip has been cancelled. I don’t need to claim but I want my insurance premium refunded.

 

Email us with your policy details, reason for the refund request and confirmation that you are not intending to claim, or that you have not had a previous claim on your policy and the team will be able to refund your policy premium in line with the cancellation terms in your policy wording. We may be taking longer than usual to respond to queries but we will get back to you.

 

Can I upgrade my current policy?

 

We can consider upgrades where you wish to change your travel dates, add an activity or change your selected territory, however, please be aware that dependent on pre-existing medical conditions it may be that worldwide cover is refused due to the increased risk.

 

We understand there may be situations where at the time of purchase you did not have a certain type of trip booked and that you now require for this trip- (for example winter sports or hazardous activities). We will consider these requests individually.

 

We cannot upgrade our policies to include any cover relating to travel restrictions, FCO advice or Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above.

 

Can I extend my policy?

 

I am abroad and I don’t want to come back to the UK

 

Unfortunately, if your policy is due to expire and you are choosing to remain overseas, then we are unable to extend cover for you.

 

I am abroad and my amended flight home is after my policy end date

 

If your flight has been amended by your flight company due to the recent events, or due to your medical emergency as confirmed by the emergency assistance team, then you can extend cover. In the event of a medical situation your cover is automatically extended provided you do not remain overseas beyond the date you have been advised to return home or had repatriation arrangements offered to you.

 

Can I change the travel date on my current travel insurance policy?

 

For Single Trip policies that have not started yet, we are happy to shift the dates to a trip which is more than 90 days from 17th March 2020 and takes place within 12 months of your original policy issue date, in line with the policy  terms and conditions. Please note that this may be subject to a premium adjustment if the new trip is to a different geographical area and/or different duration to your original dates.

 

Existing Policy queries

 

If your query is in relation to a claims query please review our claims FAQ’s which can be found here;

 

Will I still be covered if I am on my cruise and the FCO change their advice on travel to a country I am due to travel to and the cruise ship has to go to a different location outside of the geographical area covered by my policy?

 

Yes, we would continue to cover you as normal, without charge and without the need to contact us, as we understand that this is outside of your control and not an intended change to your policy coverage needs.

 

Am I still insured if I travel against the advice of the FCO?

 

None of the policies underwritten by tifgroup will provide cover if you decide to travel against the advice of the FCO. This would be for ‘All Travel’ and ‘All but Essential Travel’. If the area is classified as ‘All but Essential Travel’ and you are still planning to go, you will need to consider looking for a specialist product that provides coverage for these territories, this is unlikely to be a leisure travel policy.

 

Is my policy still valid if my connecting flight on the way back to the UK stops in an area/country which is against the FCO advice?

 

Providing you are transiting only (not leaving airside and not going through passport control)- we would cover you if on your return to the UK you have to pass through one of these areas. You may wish to contact your airline and see if there is an alternative route.

 

I am due to pay the balance on my holiday – which is currently an area advised against travel, will I be covered if I pay and then I am unable to travel due to FCO advice in the future?

 

We would consider this as a known event and so it is unlikely that the increased costs would be reimbursed on your insurance policy.  You will need to approach your booking agent to discuss your options. Your policy will only cover you for costs up to the date the advice changed and not costs you have committed to beyond that date.

 

Are you offering ‘renewals’ for annual multi trips?

 

Yes, however, PLEASE NOTE: There will be some significant changes to cover that you will need to be aware of. The terms on new policies will vary from the terms applied in previous policies purchased from us, in that we are no longer able to offer cover for change in FCO advice or COVID19 related circumstances.

 

Why doesn’t my policy cover FCO advice?

 

tifgroup underwrite a number of different products on behalf of Rush Insurance. Coverage for this type of event was not standard across all products which is true for a lot of the Travel Insurance Market. This is simply because, generally speaking, this type of event is covered by either tour operator liability, package travel regulations or airline liability. So, it was not something that was required as protection existed for consumers elsewhere.

 

Currently abroad

 

I am currently travelling abroad, is my policy still valid?

 

If when your trip started there was no FCO advice against all but essential travel, then your policy is still valid.

 

However, the FCO currently advises British nationals against all but essential international travel. The government have urged people to return to the UK. Therefore we would recommend coming back to the UK. You will need to speak to your booking agent about finding an alternative flight home as soon as possible.

 

If you choose to ignore this advice, then we will be unable to continue insurance coverage beyond the date that you were physically able to return back to the UK.

 

How do I get home?

 

You would need to urgently speak with your booking agent in order to get a flight back to the UK.
Please note: We are not be able to assist in getting you home unfortunately, unless this is due to your injury or illness, and this has been agreed by our assistance team. It is important to note that medical repatriations are currently being prioritised to ensure the safety of those who are unwell and the assistance team will not be able to support you with returning back to the UK due to FCO advice.

 

Are the costs of returning home early covered under my travel insurance policy?

 

This type of situation is not usually covered under travel insurance policies. We understand however that many transport providers are offering ticket changes at little or no cost to customers affected by change in FCO advice.

 

In the first instance, we would recommend that you contact your tour operator/travel agent to see if they are able to re-arrange your return travel for you. If you are travelling independently from a tour operator/travel agent, you should contact your airline/transport provider to see if they are able to alter your return ticket. There are some details further down the page as to who you can approach to support you before submitting a claim to our team.

 

You will need to evidence that you have approached and been refused a refund for these costs before we will consider a claim.  You should also check that you purchased a policy which covers curtailment due to FCO advice changes.

 

You can look at the curtailment (cutting short your trip) section of your policy wording to see if a change of FCO advice is covered.

 

Medical Declarations

 

I bought a policy but did not medically screen when I bought my policy and now want to add my conditions?

 

If you bought your policy within the last 14 days then we can do this for you. We would expect customers to declare their existing medical conditions at the point they purchased their policy, and so for policies purchased over 14 days ago, this will need to be referred to underwriters who may decide not to extend cover for existing medical conditions.

 

I bought a policy but have a newly diagnosed medical condition/change in health that I want to add to my existing policy, can I medically screen?

 

Yes of course. It is important to understand that if you needed to claim then the claims handlers would request details of your medical records, in order to determine that the change in health/diagnosis corresponds with your medical history. Please also be aware there would be no cover for claims as a result of COVID19 or associated FCO advice.

This article was posted on 23-03-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).

Media

COVID-19 - Claims FAQs & Helpful Advice (TIF)


COVID-19 and Foreign Commonwealth Office (FCO) advice, frequently asked questions and helpful advice.

 

Please find below our frequently asked questions (FAQ’s) in relation to COVID19 and associated FCO travel advice, which should cover most of the questions you might have.

 

We have also tried to assist further by including details of where else you could get assistance or obtain refunds from, if you are unable to claim on your insurance policy.

 

There are some important things we want to highlight:

 

When did you buy?

 

Travel insurance is designed to cover the ‘unforeseen’, so if you had purchased your policy at or after the point that the COVID19 outbreak was known about, then you will be asked for some specific evidence to prove that when you bought your policy you had no intention or reasonable likelihood of claiming.

 

Who to speak to first?

 

There is more specific advice below, but generally speaking the airlines, tour operators and travel agents are covering costs associated with events that might lead to the cancellation or curtailment of your trip. This means you should only be submitting a claim to us when you have exhausted those options first. You will be asked to provide proof that you have been denied a refund from the transport and accommodation providers.

 

Making a claim

 

I am looking to make a claim for Cancellation or Curtailment please can you send me a claims form.

 

Please be aware that claim forms can be downloaded online and we are currently unable to email or post these to you.
As general advice, please be aware that if your trip has been cancelled, rearranged or curtailed as a result of COVID19 and/or FCO advice, then it is likely that your transport and/or accommodation provider is going to be able to refund you. We will only be considering claims where you have approached the appropriate provider for either refund/reimbursement or change to trip dates, prior to submitting a claim to us. There are some details further down the page as to who you can approach to support you before submitting a claim to our team.
If after approaching your accommodation and transport providers, you are still looking to make a claim for cancellation or curtailment relating to COVID-19 of change in FCO advice, you can download the relevant claim form from Travel Claims Facilities here.

 

For a cancellation claim form

 

 

For a curtailment claim form

 

 

Please complete this form fully and send it back to Travel Claims Facilities with all the supporting documentation requested. Missing information could result in delays to the assessment of your claim.

 

Cancellation/Refund of insurance

 

My trip has been cancelled. I don’t need to claim but I want my insurance premium refunded.

 

Please contact us and provide the following details;
  • reason for the refund request,
  • confirmation that you are not intending to claim,
  • or that you have not had a previous claim on your policy.
Following this our team will be able to refund your policy premium in line with the cancellation terms in your policy wording.
Given the current circumstances, it may take a little longer than usual to respond to queries but we will get back to you.

 

Changing dates

 

I need to change the dates on my policy because my trip has been postponed.

 

For Single Trip policies that have not started yet, we are happy to shift the dates to a trip which is more than 90 days from 17th March 2020 and within twelve months of the issue date of your original policy in line with your policy terms and conditions. Please note that this may be subject to a premium adjustment if the new trip is to a different geographical area and/or different duration to your original dates.
We are not able to amend the start dates of a Multi Trip Policy or any policy where the start date is in the past.

 

Close Relatives

 

My close relative, who is not travelling with me has Coronavirus, can I cancel and claim?

 

Cover is available on most policies for cancellation for this type of situation, there are a few things you’ll need to provide to support this and evidence that it was necessary for you to cancel (relative in a ‘high risk’ category and positive COVID19) as well as confirmation your trip was still going ahead.
The policy wording will define what the insurer considers to be a close relative.

 

Cruises

 

I am over 70 and/or have ‘Chronic’ Medical conditions and so under current UK advice have been told not to travel, can I claim for cancellation?

 

We’re afraid, that this isn’t something that is covered by the policy. This is because there is protection for customers elsewhere. In most cases this would relate back to the cover offered by Package Travel Regulations. The current position is that if passengers have a medical condition for which exposure to COVID-19 is particularly dangerous, they should have the right to cancel their package travel contract. This only applies if the risk of infection of COVID-19 at the travel destination or its immediate vicinity is declared high by the competent authorities. So please contact your booking agent for further advice.

 

I am on or going on a cruise and am confined to my cabin because of the Coronavirus, even though I am not ill and do not need emergency medical treatment, can I claim for cabin confinement?

 

If you bought a policy that included cruise cover with a cabin confinement section, if the circumstances of your confinement are included, then we will consider claims under this section of the policy.

 

If when I am on my cruise, they cannot stop at one of the scheduled ports due to the Coronavirus, can I claim for missed port?

 

We’re afraid missed port cover is usually only provided for missed port due to adverse weather conditions or timetable restrictions. However, under package travel regulations because the cruise did not go ahead as ‘sold’ or advertised, then it would be something you can approach your booking agent to discuss reimbursement.

 

Will I still be covered if I am on my cruise and the FCO change their advice on travel to a country I am due to travel to and the cruise ship has to go to a different location outside of the geographical area covered by my policy?

 

Yes, we would continue to cover you as normal, without charge and without the need to contact us, as we understand that this is outside of your control and not an intended change to your policy coverage needs.

 

Currently Abroad

 

I am currently travelling abroad, is my policy still valid?

 

If when your trip started there was no FCO advice against all but essential travel, then your policy is still valid.
However, the FCO currently advises British nationals against all but essential international travel. The government have urged people to return to the UK. Therefore we would recommend coming back to the UK. You will need to speak to your booking agent about finding an alternative flight home as soon as possible.

 

If you choose to ignore this advice, then we will be unable to continue insurance coverage beyond the date that you were physically able to return back to the UK.

 

I am currently travelling abroad, how do I get home?

 

You would need to urgently speak with your booking agent in order to get a flight back to the UK.
Please note: We are not be able to assist in getting you home unfortunately, unless this is due to your injury or illness, and this has been agreed by our assistance team. It is important to note that medical repatriations are currently being prioritised to ensure the safety of those who are unwell and the assistance team will not be able to support you with returning back to the UK due to FCO advice.

 

I am currently travelling abroad and need to come home, are the costs of returning home early covered under my travel insurance policy?

 

This type of situation is not usually covered under travel insurance policies. We understand however that many transport providers are offering ticket changes at little or no cost to customers affected by change in FCO advice.

 

In the first instance, we would recommend that you contact your tour operator/travel agent to see if they are able to re-arrange your return travel for you. If you are travelling independently from a tour operator/travel agent, you should contact your airline/transport provider to see if they are able to alter your return ticket. There are some details further down the page as to who you can approach to support you before submitting a claim to our team.

 

You will need to evidence that you have approached and been refused a refund for these costs before we will consider a claim. You should also check that you purchased a policy which covers curtailment due to FCO advice changes.

 

FCO/Local Government Advice

 

I have cancelled due to Local Government restrictions at the location I was due to stay. There is no actual FCO advice against all but essential travel.

 

Unfortunately, most policies do not include this as a reason to cancel. However, if your trip is no longer able to go ahead as originally planned – i.e. excursion cancellations, restriction on use of facility etc. then customers who have booked via a tour operator or travel agent, should in most cases be able to claim from their tour operator or travel agent. Customers who booked accommodation and transport through separate providers will need to approach their booking agents to see if they are able to change dates or offer any refund. There are some details further down the page as to who you can approach to support you before submitting a claim to our team.

 

An event or a course has been cancelled due to local restrictions on mass gatherings – am I covered?

 

Generally speaking, majority of insurance products do not cover this, including ours. We would suggest you contact the course/event organisers to discuss the options available to you.

 

I bought my policy when I was aware there were travel restrictions and problems in the area I was visiting; can I claim now the FCO have advised against travel there?

 

We’re afraid this would not be covered. Insurance is designed to cover unexpected and unforeseen events, so would not cover you if you were aware of problems developing at the time you bought it. It is possible that your premium could be refunded please contact us for further advice.

 

My return flight was cancelled due to local restrictions as a result of COVID19– am I covered for the costs associated with the delay or new flight.

 

Sorry, but this is something you would need to approach your airline about. There are very few policies that cover for travel disruption on the return journey. You can check this in your policy wording, under travel disruption, departure delay or force majeure sections of your policy wording.

 

Before submitting a claim under any of these sections, you will need to approach your airline in the first instance as there is some protection that exists for customers in such circumstances, under the Montreal Convention. There are some details further down the page as to who you can approach to support you before submitting a claim to our team.

 

I didn’t travel due to many attractions and restaurants being closed, is this covered?

 

We’re afraid this would be considered to be disinclination to travel and most policies in the market do not include this as a reason to cancel. However, if your trip is no longer able to go ahead as originally planned – excursion cancellations, restriction on use of hotel facilities etc. then travel package regulations and flight operators should in most cases be able to reimburse you. For customers who self-packaged unfortunately there is no cover that exists under your travel insurance policy but you may be able to claim from your credit card or debit card provider.

 

I had a claim declined previously as there was no FCO restriction in place, but there now is, can you reassess the claim?

 

Unfortunately, we can only assess claims based on the facts and information available that applied at the time of you cancelling and then submitting the claim.

 

I have decided to stay at the trip destination due to the travel problems – will my policy be automatically extended?

 

We only usually extend coverage when customers are unable to leave due to their own medical situation or because their return journey has been cancelled so we would not automatically extend coverage because of preference.

 

Fear of travel

 

I didn’t want to travel as I felt worried due to the worsening outbreak –am I/would I be covered?

 

We are afraid this would be considered as disinclination to travel and most policies in the market do not include this as a reason to cancel.

 

Flight cancellation

 

My flight was cancelled by the airline, can I claim for this on my insurance policy?

 

Sorry but this is something you would need to approach your airline for. If you had booked accommodation separately then you will need to approach the accommodation provider to see what your options are. You may be able to include this in your claim to the airline and if not then it may be that your bank/credit card company can support with this, via a section 75 claim. Please contact your credit of debit card company for details on the process. There are some details further down the page as to who you can approach to support you before submitting a claim to our team.

 

HM Forces

 

I am in the military and my reporting officer has strongly advised that I do not travel to my trip destination due to COVID-19, can I submit a claim for cancellation?

 

If HM forces cover is specified in the cancellation section and your leave orders have been cancelled then yes. Unfortunately, if your leave orders are not cancelled, then this will not be covered by your travel insurance policy. We would recommend you contact your reporting or commanding officer for advice as to how they can support you.

 

Isolation/Quarantine

 

Will you cover me if I have to cancel my trip because I am in quarantine/isolation in the UK because of COVID19?

 

For all cases we would need confirmation that your trip was still going ahead as planned and had not been rearranged/cancelled due to FCO/COVID19 advice/restrictions.

 

Confirmed diagnosis
If you are unfortunate enough to suffer with COVID19 after you bought your insurance, then as long as the diagnosis was within a reasonable timeframe of your trip starting (30 days) then we would consider this under cancellation due to illness. You can submit a claim for cancellation and will be required to evidence a positive COVID19 result from a medical practitioner.

 

Suspected, but no confirmed diagnosis
We are going to have to assess these claims on a case by case basis and with some specific information from you. We are going to need evidence that you have needed to seek medical advice/assistance. This may include phone records to show the date/time you called 111 and/or your GP (this must be prior to you contacting us).

 

Self-isolating
Again, these cases will be assessed by the claims team on a case by case basis. We will need evidence that you are self-isolating, this may include a letter from your employer and proof of SSP/sick pay.

 

For a cancellation claim form in relation to isolation or quarantine:

 

 

I have changed my flight arrangements to avoid being denied entry or quarantined, can I claim for this?

 

We would need to look at these claims on a case by case basis. In most cases flight companies are assisting people with these arrangements with small if any administration fees. Where they do charge you a fee your claim will be reviewed in line with your policy wording, as long as the policy was bought before these restrictions were being widely reported in the media.

 

Medical reason

 

My doctor advised that I shouldn’t travel to my holiday destination due to my existing medical problems – will I be covered?

 

This is not a straight forward yes or no – but if you declared the conditions at the time of purchasing the policy, (which has to be before the outbreak) then your claim will be considered if your conditions are reliably reported as being ‘high risk’. If you did not declare them, you would not be covered. We would also need confirmation that your trip was still due to go ahead as planned.

 

Refusal of boarding

 

If we get to the airport and one of our temperatures spike, and we are refused boarding, what is covered?

 

We’re really sorry but travel insurance policies across the market do not provide cover for refusal of boarding for any reason. You would need to approach your airline or tour operator for advice.

 

The advice changed during flight and we were refused entry to the country, can I claim for the trip costs and return flight?

 

Those who are ‘in flight’ at the point the FCO advice changes, should approach their tour operator for a refund of trip and arrangements to return to the UK, as this is their responsibility under Package Travel Regulations. Those who booked flight only, will need to see if their airline can make arrangements to bring them back.

 

There may be costs associated with this, you travel insurance policy may cover it if under the cutting short your trip (curtailment) section, the policy wording lists a change of FCO advice as a reason to claim.

 

For a curtailment claim form:

 

 

Helpful advice

 

It doesn’t look my policy is going to cover my circumstances – Where else can I go?

 

You will be asked if you have approached all other possible routes before submitting a claim to your insurer, if a claim is already submitted, then it is likely you will be asked to do this before we consider your claim. It will therefore speed up your claim if you follow this advice before submitting the claim.

 

Credit Card/Debit Card

 

If your trip or deposit was paid by credit card
If the value is more than £100 and less than £30,000 there are additional protections if something goes wrong. Section 75 of the Consumer Credit Act makes your credit card company jointly liable for any breach of contract (such as an event/trip cancellation) and customers can claim their money back directly from their credit card provider.

 

Package travel regulations (PTR)

 

If a customer has booked via a travel agent or tour operator or has booked more than one thing, that must include;
  • Flight
  • Accomodation
  • Transfer
Then the trip is considered as packaged and the below applies.

 

Trips cancelled due to FCO advice would therefore fall within the remit of PTR and be eligible for a refund.
Trips where access is restricted or public life is subject to significant limitations (closures of tourist attraction etc..) should give passengers the right to cancel their trip with refund via PTR.

 

– If passengers have a medical condition for which exposure to the COVID-19 is particularly dangerous, current advice is they should have the right to cancel their package travel contract if the risk of contamination with COVID-19 at the travel destination or its immediate vicinity is declared high by the competent authorities.

 

 

Flight company and Air Passenger Rights

 

Flight companies are regulated by the Civil Aviation Authority. If your flight operator cancels or can’t fulfil your flight then there is protection available under something called the ‘Montreal Convention’. Some airlines are going over and above their requirements and so it is important to contact them in the first instance to find out what support they can give you.
Flight cancellations by the airline need to be claimed directly from them, your insurer will not consider a claim unless you have sought a refund from your airline in the first instance.

 

All around the world, passenger rights for international flights are protected under the Montreal Convention. Essentially, this piece of law states that the airline is responsible for you if your flight is cancelled and/or you are left stranded at an airport waiting for a flight. These measures of care include:
  • Meals and refreshments
  • Communication to the outside world (two occasions)
  • Hotel accommodations when necessary
  • Rerouting to your final destination
In countries like Canada, Israel and the Member States of the European Union, your rights are protected even further.
Like any piece of law, it is complicated and not that easy to read! But below is a link and if you google CAA and Montreal Convention then you will find some useful information online that may help you.

 


This article was posted on 23-03-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).

Media

Flybe Collapse


Following the news that Flybe have ceased all operations and gone into administration, Rush Insurance and our underwriters, tifgroup would like to clarify what steps are available to policyholders.
The Civil Aviation Authority are stating that customers should not go to the airport as any Flybe flights will not be operating. Please see the link to the CAA website below for more information:

If you have booked with an ATOL holder (package holiday)

If you have booked flights or a trip which includes flights with a travel firm that holds an ATOL (Air Travel Organisers Licence) and received confirmation that you are ATOL protected, the travel firm is responsible for your flight arrangements and must either make alternative flights available for you so that your trip can continue or provide a full refund. If you are abroad, it should make arrangements to bring you home at the end of your trip. We suggest you contact the ATOL travel firm for more information on this.

Direct booking with Flybe

If you booked directly with Flybe and paid by credit card you may be protected under Section 75 of the Credit Consumer Act 1974 and therefore you should contact your card issuer to find out how to get a refund. If you paid by debit or charge card you may be able to make a claim under the Charge Back rules of your card provider so we recommend contacting them.

If you booked through an Airline Ticket Agent

If you booked your ticket through an airline ticket agent, you should speak to the agent in the first instance; they may have provided you with travel insurance that includes Scheduled Airline Failure Insurance (SAFI) or taken out their own SAFI cover which will enable them to either refund or cover the cost of a new ticket to get you home if you are already abroad.

Scheduled Airline Failure Insurance (SAFI)

While many of our policies include either Scheduled Airline Failure Insurance (SAFI) or End Supplier Failure Insurance (ESFI) as standard, or as an optional extension, which includes cover for the Financial Failure of either the Airline or other End Supplier there are some policies which do no have this cover so we would ask you to check your policy wording carefully.
If your policy does include either SAFI or ESFI you can find details on how to submit a claim in your policy wording. Please note in the first instance you will be expected to refer to your bank or credit card provider as explained above. If you are unsuccessful then please obtain refusal confirmation as part of your claim.
Should you have any further queries, please contact your insurance provider directly either by email or over the phone.

This article was posted on 05-03-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).

Media

COVID-19 Coronavirus Update - TIF


Am I insured if I travel against the advice if the FCO?

  • None of the policies underwritten by tifgroup will provide cover if you decide to travel against the advice of the FCO. This would be for ‘All Travel’ and ‘All but Essential Travel’ unless customers have contacted in advance us with their reasons for travel and cover has been agreed by the Underwriters.

 

What classes as essential travel (FCO)?

  • The FCO does not have a definition of what they class as ‘Essential Travel’. The FCO website states ‘Whether travel is essential or not is your own decision. You may have urgent family or business commitments to attend to. Circumstances differ from person to person. Only you can make an informed decision based on the risks’.
  • tifgroup will only cover ‘all but essential travel’ if customers have contacted us with their reasons for travel and cover has been agreed by the Underwriters.

 

Will my policy cover medical treatment for the Coronavirus? And will repatriation be covered?

  • If you catch Coronavirus or require medical treatment, then yes cover will be in place for emergency and necessary treatment. Customers should be aware that our policies are travel insurance policies and not private medical insurance meaning that there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically capable public facilities are available.
  • Please contact our Assistance Team if you require medical treatment.
  • Our policies will provide cover for repatriation (bringing you home) that is medically necessary. Our Assistance Team will liaise with your treating doctor(s) about your treatment plan and if required obtain a ‘fit to fly’ certificate. We also liaise with you and advise on, and put in place, suitable repatriation plans to get you home as soon as it is medically safe to do so in order to achieve your optimal recovery. Our team are unable to make arrangements to repatriate you where it is against local advice, where travel is restricted or where you would pose a risk to other passengers.

 

Am I covered for cancellation due to the Coronavirus?

  • Travel insurance policies have different terms and conditions regarding what is and what is not covered in regards to cancellation of a trip.
  • This type of event is usually not covered across the travel insurance industry for cancellation. This is because most policies have specific reasons for cancellation and the “fear of an epidemic, pandemic, infection or allergic reaction” is not one of those reasons.
  • We would advise travelers who have booked package holidays to a destination affected by the viral outbreak and looking to cancel their trip or amend their travel plans to contact their travel agent or tour operator in the first instance.
  • If you are not able to amend your trip and have a medical justification for having to cancel, we would be happy to discuss your situation on a case-by-case basis.
  • Some policies will provide cover for cancellation due to changes in FCO advice. We would ask that you check your specific policy wording for more information on this.

 

If I am stuck abroad due to the Coronavirus and cannot come home on my planned return date, will my travel insurance be extended to cover me until I can get home?

  • Depending on your policy, cover may be extended for the following reasons:
    • If you are hospitalised, require medical treatment and are unable to fly.
    • If your transport is disrupted or delayed.
    • If you cannot return home for any reason beyond your control
  • We would ask that you check your specific policy wording for more information on this.

 

If I am quarantined due to the Coronavirus, what cover is in place?

  • If you are admitted to hospital your policy will usually provide assistance with returning home when you have been discharged.
  • Please contact our Assistance Team if you are admitted to hospital.
  • If you are confined to your trip accommodation some policies will contribute towards the cost of food and additional accommodation, some may also include the additional costs of getting home. We would ask that you check your specific policy wording for more information on this.

 

What happens if I arrive at my holiday destination and they refuse entry due to the virus?

  • If you travel to an area which the FCO advise against travel to, there would be no cover under the travel insurance policies as this would be considered as a known event.
  • If you travel to an area and the FCO advice changes after leaving home, you should contact your travel agent or tour operator for information on availability of flights or refunds in the first instance.
  • If you are refused entry at passport/border control, you should contact your airline or transport provider to arrange changing your return ticket to allow you to come home early.

 

Will I be covered if I want to cut my trip short due to the Coronavirus?

  • Travel insurance policies have different terms and conditions regarding what is and what is not covered in regards to cutting short a trip.
  • This type of event is usually not covered across the travel insurance industry for cutting short a trip. This is because most policies have specific reasons for cutting short your trip and the “fear of an epidemic, pandemic, infection or allergic reaction” is not one of those reasons.
  • We would advise travelers who have booked package holidays to a destination affected by the viral outbreak and looking to cut your trip short they should contact their travel agent or tour operator for information on availability of flights in the first instance.
  • If you are travelling independently from a tour operator or travel agent, you should make your own arrangements to leave by either altering return tickets where possible, or booking onto an alternative commercial flight or mode of transport. Claims for independent traveler’s additional expenses in returning home earlier than planned, where medically justified, will be assessed on a case-by-case basis.
  • Some policies will provide cover for cutting short a trip due to changes in FCO advice. We would ask that you check your specific policy wording for more information on this.

 

Am I covered for travel disruption caused by the Coronavirus?

  • If you are unable to return home on your planned date some policies will contribute towards the cost of food and additional accommodation, some may also include the additional costs of getting home. We would ask that you check your specific policy wording for more information on this.

 

If I go out on an excursion for the day and then am not allowed back to my travel accommodation (or cruise ship) due to quarantine, what cover do I have?

  • You should follow any instructions issued by the local authorities as it is more than likely that you will have to enter some form of quarantine.
  • Traveler’s should contact their travel agent or tour operator for assistance in the first instance.
  • Some policies will contribute towards the cost of food and additional accommodation, some may also include the additional costs of getting home. We would ask that you check your specific policy wording for more information on this.

 

Can I cancel my current policy and take a new policy which has cover for change in FCO advice? 

  • Yes, however you should be aware that there will be no cover if the FCO has already issued a directive to the area you are travelling to. Your new policy will only cover you for events and restrictions in areas that occur after the date you paid for your policy and may have different terms, conditions and premiums applied.

 

If I have a stop-over in an area which the FCO advices against travel to, am I still covered?

  • We would suggest that if you have not started that part of your journey you contact your airline to change your travel plans to move on to the next part of your itinerary.
  • If you arrive at your stop-over airport and entry is denied due to the virus you should contact your airline to change your travel plans to move on to the next part of your itinerary.

 

Can my policy be changed to suit a ‘new/different’ holiday or trip?

  • If you are offered an alternative destination and or dates from your travel agent, we are pleased to advise that we will shift your insurance policy to fit the new trip without any administration charges, providing the new trip is for the same duration and to the same location or geographical area. Please call the customer service team on the number listed in your policy wording.

 

What can I do with my policy if I am no longer travelling and have received a refund for my holiday?

  • In the event that you are unable to move the trip to an alternative destination, and are offered a refund from your travel agent or tour operator, we are happy to offer a full refund of premium on the understanding that no claim is to be made against the policy. This does not apply to Annual policies.

 

Can I come into your office to discuss my claim?

  • Provided you have not recently returned from an infected area or been in contact with anyone who has been infected then you are more than welcome to visit us, however we would always recommend using our online claims facility.
  • Unfortunately, if you have just returned from an infected area or have been in contact with someone who has been infected, then we must put the welfare of our staff first and regret that you will not be admitted to the office. Again, we would recommend using our online claims facility.

 

Where can I get more information about travel and the Coronavirus?


This article was posted on 26-02-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).

Media

Coronavirus in China - For policies underwritten by Allianz World Partners (AWP)


As the outbreak of coronavirus (2019-nCoV) continues to spread across China, the Foreign and Commonwealth Office is advising against all travel to Hubei Province and all but essential travel to the rest of mainland China (not including Hong Kong and Macao). The situation is changing quickly with the Chinese government imposing further restrictions on movement within China in response to the coronavirus outbreak.

Allianz Partners UK is therefore urging people who have planned to travel to China to contact their travel provider or airline in the first instance about their transport services. It reminds customers who have purchased an ABTA protected trip or have used a credit card, that they will have additional consumer protection.

Single trip travel insurance customers of Allianz Partners will receive a full refund for their policy. Alternatively, Allianz Partners will make appropriate changes to a single trip policy if a customer would like to travel to another destination on another date.

In some instances, where a customer is not covered by their airline or travel provider for suspended or cancelled transport, Allianz Partners may offer some cover under the cancellation section of the policy. Customers should consult their policy documents for further information and note that this applies only when customers are travelling to a specific area that the Foreign and Commonwealth
Office has advised against travelling to.

Essential travellers to China are being urged to follow health advice offered by Public Health England https://www.gov.uk/government/news/wuhan-novel-coronavirus-and-avian-flu-advice-for-travelto-china as well as comply with any additional screening measures put in place by the local authorities. More information and advice can be found by visiting the TravelHealthPro website https://travelhealthpro.org.uk/country/49/china#CIoutBreaks

British nationals in the Hubei Province who are considering leaving should visit the Foreign and Commonwealth Office website for updates and advice https://www.gov.uk/foreign-traveladvice/china

The Allianz Partners group of companies would like to reassure its customers that it is well-placed to quickly and efficiently step in to support them if they are currently in China, getting them the medical attention they need, when they need it, and bringing them home as soon as they are well enough to travel.


This article was posted on 13-02-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).

Media

Coronavirus in China - Update for policies underwritten by Travel Insurance Facilities (TIF)


Following the continued and updated news reports regarding the outbreak of the Novel Coronavirus in China, we would like to extend our sympathies to those who have been affected, clarify what cover may be available and provide information about the best steps to take.

On the 28th January 2020, the Foreign and Commonwealth Office (FCO) updated their advice to the following:
– Advise against all travel to Hubei Province
– Advise against all but essential travel to the rest of Mainland China

We always advise all travellers to check the FCO’s advice for their chosen destination and the current advice on this matter can be found here:
https://www.gov.uk/foreign-travel-advice/china

For residents of Ireland please follow the advice of the Department of Foreign Affairs and Trade as follows:
https://www.dfa.ie/travel/travel-advice/a-z-list-of-countries/china/

It has been published that British Airways (BA) has suspended all flights to and from Mainland China with immediate effect due to the outbreak of the virus. If you are due to fly to China with BA, please follow the link here for more information about the next steps that can be taken.
https://www.britishairways.com/travel/flightops/public/en_gb?p_faqid=7982

We understand that the British Government is planning to bring UK Citizens currently in Hubei Province home. For further information on this, please contact the FCO 24/7 number +86 (0) 8529 6600 if you are in Hubei Province or the FCO in London on (+44) (0) 207 008 1500.

Cancellation
This type of event is unfortunately not covered across the travel insurance industry for claims relating to cancellation. This is because most policies have the following exclusion relating to cancellation “the fear of an epidemic, pandemic, infection or allergic reaction”.

We would advise travellers who have booked package holidays to a destination affected by the viral outbreak and looking to cancel their trip or amend their travel plans to contact their travel agent or tour operator in the first instance.

If you are not able to amend your trip details and have a medical justification for having to cancel your trip, we would be happy to discuss your situation on a case-by case basis.

Some policies will provide cancellation cover due to changes in FCO advice. We would ask that you check your specific policy wording for more information on this.

Insurance “shifting”
If you are offered an alternative destination and or dates from your travel agent, we are pleased to advise that we will shift your insurance policy to fit the new trip without any administration charges, providing the new trip is for the same duration and to the same location or geographical area. Please call the customer service team on the number listed in your policy wording.

Premium Refunds
In the event that you are unable to move the trip to an alternative destination, and are offered a refund from your travel agent or tour operator, we are happy to offer a full refund of premium on the understanding that no claim is to be made against the policy.

Returning early
If you are considering returning to the UK earlier than originally planned as a result of the viral outbreak, please be aware that most policies have the following exclusion relating to cutting short a trip “the fear of an epidemic, pandemic, infection or allergic reaction”.

If you have booked a package holiday to a destination affected by the viral outbreak and looking to cut your trip short you should contact your travel agent or tour operator for information on availability of flights in the first instance.

If you are travelling independently from a tour operator or travel agent, you should make your own arrangements to leave by either altering your return tickets, where possible, or booking onto an alternative commercial flight. Claims for independent traveller’s additional expenses in returning home earlier, where medically justified, will be treated sympathetically.

Some policies will provide cover for cutting your trip short due to changes in FCO advice. We would ask that you check your specific policy wording for more information on this.

In the event that you have specific questions not answered by this directive, please contact your insurance company directly either by email or over the phone.


This article was posted on 12-02-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).

Media

Coronavirus in China - For policies underwritten by Travel Insurance Facilities (TIF)


Following the continued and updated news reports regarding the outbreak of the Novel Coronavirus in China, we would like to extend our sympathies to those who have been affected, clarify what cover may be available and provide information about the best steps to take.

On the 28th January 2020, the Foreign and Commonwealth Office (FCO) updated their advice to the following:

– Advise against all travel to Hubei Province
– Advise against all but essential travel to the rest of Mainland China

We always advise all travellers to check the FCO’s advice for their chosen destination and the current advice on this matter can be found here:

– https://www.gov.uk/foreign-travel-advice/china

For residents of Ireland please follow the advice of the Department of Foreign Affairs and Trade as follows:

– https://www.dfa.ie/travel/travel-advice/a-z-list-of-countries/china/

It has been published that British Airways (BA) has suspended all flights to and from Mainland China with immediate effect due to the outbreak of the virus. If you are due to fly to China with BA, please follow the link here for more information about the next steps that can be taken.

– https://www.britishairways.com/travel/flightops/public/en_gb?p_faqid=7982

We understand that the British Government is planning to bring UK Citizens currently in Hubei Province home. For further information on this, please contact the FCO 24/7 number +86 (0) 8529 6600 if you are in Hubei Province or the FCO in London on (+44) (0) 207 008 1500.

Cancellation
This type of event is unfortunately not covered across the travel insurance industry for claims relating to cancellation. This is because most policies have the following exclusion relating to cancellation “the fear of an epidemic, pandemic, infection or allergic reaction”.

We would advise travellers who have booked package holidays to a destination affected by the viral outbreak and looking to cancel their trip or amend their travel plans to contact their travel agent or tour operator in the first instance.

If you are not able to amend your trip details and have a medical justification for having to cancel your trip, we would be happy to discuss your situation on a case-by case basis.

Some policies will provide cancellation cover due to changes in FCO advice. We would ask that you check your specific policy wording for more information on this.

Insurance “shifting”
If you are offered an alternative destination and or dates from your travel agent, we are pleased to advise that we will shift your insurance policy to fit the new trip without any administration charges, providing the new trip is for the same duration and to the same location or geographical area. Please call the customer service team on the number listed in your policy wording.

Premium Refunds
In the event that you are unable to move the trip to an alternative destination, and are offered a refund from your travel agent or tour operator, we are happy to offer a full refund of premium on the understanding that no claim is to be made against the policy.

Returning early
If you are considering returning to the UK earlier than originally planned as a result of the viral outbreak, please be aware that most policies have the following exclusion relating to cutting short a trip “the fear of an epidemic, pandemic, infection or allergic reaction”.

If you have booked a package holiday to a destination affected by the viral outbreak and looking to cut your trip short you should contact your travel agent or tour operator for information on availability of flights in the first instance.

If you are travelling independently from a tour operator or travel agent, you should make your own arrangements to leave by either altering your return tickets, where possible, or booking onto an alternative commercial flight. Claims for independent traveller’s additional expenses in returning home earlier, where medically justified, will be treated sympathetically.

Some policies will provide cover for cutting your trip short due to changes in FCO advice. We would ask that you check your specific policy wording for more information on this.

In the event that you have specific questions not answered by this directive, please contact your insurance company directly either by email or over the phone.


This article was posted on 29-01-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).

Media

Bushfires in New South Wales and South Australia


Following reports of the wildfires that have affected the regions of New South Wales and South Australia, we at tifgroup would like to extend our sympathies to those affected and also clarify what cover may be available.

 

We always advise all travellers to check the FCO’s advice for their chosen destination and the current advice on this matter can be found here – https://www.gov.uk/foreign-travel-advice/australia

For residents of Ireland please follow the advice of the Department of Foreign Affairs and Trade as follows https://www.dfa.ie/travel/travel-advice/a-z-list-of-countries/australia/

 

Cancellation

This type of event is unfortunately not covered across the travel insurance industry for claims relating to cancellation. This is because most policies have the following exclusion relating to cancellation “any claim where the fire, flood, earthquake, storm, lightning, explosion, hurricane or infectious disease had already happened before you left home”. However, we would always suggest that you always check your specific policy wording for more information on this and to find out whether you have cover or not.

 

Additional travel and accommodation costs

Should your travel and accommodation arrangements have been affected by the fire your policy may cover reasonable additional costs within a certain radius to provide you with alternative options. However, we would always suggest that you always check your specific policy wording for more information on this and to find out whether you have cover or not. To find out more please contact your claims team.

 

Returning home early

If you are not able to amend your trip details and have a medical justification for doing so, we are happy to discuss your situation on a case-by case basis.

 

In the event that you have specific questions not answered by this directive, please contact your insurance company directly either by email or over the phone.


This article was posted on 02-01-2020

Covered2go Travel Insurance

Covered2go has been awarded multiple Which? Best Buy awards in 2011, 2012, 2013, 2014 and 2015. Most recently, our Gold and Platinum Covered2go Policies have been rated 4/5 and 5/5 Stars from independent review company Defaqto in 2014. Our Platinum Policy with Winter Sports included is our most comprehensive cover to date.

Visit Website
Blue Bear Travel Insurance

Blue Bear Travel Insurance has been heavily featured as a top rated travel insurance provider since 2012, by Which?. Providing Single Trip, Annual Multi Trip and Long Stay Policies, with a number of policy extensions available, such as winter sports and cruise cover.

Visit Website
First Travel Insurance

The First Travel brand was launched in August 2017 and is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience.

Visit Website

How can we help you?

Contact us now.


Rush Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385).