Brexit FAQs


If your travel agent/tour operator allows you to postpone your trip, we will not cover any additional costs you might incur but if you have taken out Single Trip insurance cover we do allow you to transfer your cover to the new trip, provided this starts within 6 months of the original trip start date.

If you rearrange your trip we will not cover any additional costs you might incur but if you have taken out Single Trip insurance cover we do allow you to transfer your cover to the new trip, provided this starts within 6 months of the original trip start date. If there are any significant differences, such as a longer duration, a change of destination or extra people to be covered on the policy then you should contact us to let us know and you may be charged an additional premium.

Your insurance does not cover you if you cancel your trip simply because you are disinclined to travel due to a fear of disruption.

The UK Government has confirmed that the Packaged Travel & Linked Travel Regulations will remain in UK law after 1st January. This means that your provider is liable, in the first instance, to compensate you or provide alternative travel arrangements. If you are concerned, we recommend checking this with your travel agent/ tour operator or transport provider.

If you have booked your travel and accommodation separately, you will need to contact those providers directly for a refund of your costs.

ABTA and ATOL protection will continue to apply after 1st January, although you may not be covered if you have made your own travel arrangements rather than booking through a travel agent or tour operator. Depending on your cover level, your insurance may cover this, please check your policy wording here (*insert hyperlink to PW). You may also have some protection if you paid by credit card.

There are no exclusions that specifically refer to Brexit or the end of the transition period. However, the normal policy exclusions still apply, but these do not distinguish between, for instance, travel disruption that is caused by Brexit and the end of the transition period or disruption that is caused by anything else. The cover remains unchanged. We recommend reading your policy wording carefully.

You will not be covered in this situation. It is up to you to find out what travel documents you will need; how the requirements might change from 1st January; and to ensure that you satisfy the new requirements. We suggest that you check with your travel agent/tour operator or on the gov.uk website and in particular that you check any entry requirements regarding the minimum length of time remaining before your passport expires. You will not be covered if you fail to get the correct documents in advance of your trip. However, if you do have the correct documents and they are lost or stolen after you leave home, the standard policy cover will apply. You will, however, need to demonstrate to us that you did have the document(s), so we strongly recommend keeping any evidence of applications made or leaving a photocopy of original documents at home.

The standard cover provided by your policy applies, so you may be entitled to a travel delay benefit after a certain period of delay or, if the period of delay exceeds a certain length of time, to abandon your trip. The specific cover you have depends on the type of policy you bought so you will need to check your policy carefully to see what (if any) cover you may have in this situation. Again, the policy wording does not treat a delay caused by Brexit or the end of the transition period any differently to any delay caused for another reason. Please read your policy carefully.

The standard policy cover applies. The policy requires you to allow sufficient time to reach your departure point, so it is essential that you leave early enough to get to your departure point in time. If it becomes clear, in the days leading up to your journey, that traffic congestion is occurring and that it may take you longer than normal to reach the airport, port, station or terminal from which you are departing, you will need to make reasonable allowance for this and leave earlier.

You should try to use the EHIC if possible but, in any case, the standard medical cover provided by the policy still applies, so your insurance cover with us is not affected. However, if you were relying on the EHIC for treatment of any pre-existing medical conditions, you should us tell us about them as soon as possible, if you haven’t already.

For more information please visit the link below:

https://www.gov.uk/guidance/uk-residents-visiting-the-eueea-and-switzerland-healthcare

We don’t anticipate any changes to the cover we provide as a direct result of Brexit but we do regularly review all our products and pricing to make sure that we are always competitive and meet the needs of our customers.

The standard cover provided by your policy applies, so you may be entitled to a travel delay benefit after a certain period of delay or, if the period of delay exceeds a certain length of time, to additional accommodation and travel expenses. The specific cover you have depends on the type of policy you bought so you will need to check your policy carefully to see what (if any) cover you may have in this situation; some policy options provide no cover for delay. Again, the policy wording does not treat a delay caused by Brexit or the end of the transition period any differently to any other delay. Please read your policy carefully.

It is still unclear what will happen with the Pet Passport scheme and we suggest that you check with your travel agent/tour operator or on the gov.uk website and look out for any changes announced in the media. Cancelling your trip as a result of being unable to take your pet with you is not covered by your policy.

We recommend that you check any requirements applying to driving with your motor insurer or on the gov.uk website.

Call our Customer Helpline on 0345 305 2622. They’ll be happy to answer your questions.