Pedal Cover

important covid travel insurance notice

FCDO advice and the UK Government travel traffic light system

As you are aware, from the 17th May 2021 the UK government is putting a new travel traffic light system in place in regards to international travel and the coronavirus pandemic. It is worth noting that the mentioned government departments may not have aligned their advice. 

The Department of Transportation has stated ‘You should not travel to red or amber list counties or territories for leisure purposes as part of the new traffic light system. We, therefore, wanted to share our travel underwriters (the Tifgroup) stance on our travel insurance products with you in the event that the FCDO and traffic light system advice is not consistent across destinations.

Please be aware, there is no cover under any of our policies if customers travel against the advice of the Foreign, Commonwealth and Development Office (FCDO), regardless of the Department of transportation’s position.

Red Countries and Territories

  • Tifgroup will not provide any cover under any section of the policy to customers who are or are planning on, travelling to countries or territories categorised as ‘Red’.
  • This means no claims will be paid under any section of the policy for trips relating to ‘Red’ countries, including but not limited to ‘Cancellation, Curtailment and Medical Expenses’.
  • Please be advised, that in the unlikely event that the FCDO advice permits travel to a Red Country, our policies will exclude all cover.

Amber Counties and Territories

  • tifgroup will provide cover under our policies for customers travelling to ‘Amber’ countries and territories providing they are not travelling against the advice of the FDCO.
  • There is no cover under the policy for cancellation claims relating to a country or territories traffic light We will include cover under the policy for all other sections of the policy, subject to the terms and conditions of the policy.
  • We will include cover for emergency medical expenses providing customers do not act in a reckless manner and comply with all rules and restrictions set by the country or territory to which they are travelling.
  • All customers must follow any advice that is in place at the time of travel and for the duration of the trip by the Foreign, Commonwealth and Development Office (FCDO). This includes returning to the UK if the FCDO change their travel advice based on the risks being presented at the time. Failure to comply with the FCDO advice may invalidate coverage.

Green Counties and Territories

  • Tifgroup will provide cover under our policies for customer travelling to ‘Green countries and territories providing they are not travelling against the advice of the FCDO.
  • We will include cover for emergency medical expenses providing customers do not act in a reckless manner and comply with all rules and restrictions set by the country or territory to which they are travelling.
  • All customers must follow any advice that is in place at the time of travel and for the duration of the trip by the Foreign, Commonwealth and Development Office (FCDO). This includes returning to the UK if the FCDO change their travel advice based on the risks being presented at the time. Failure to comply with the FCDO advice may invalidate coverage.

Finally

All customers should be aware at the point of sale, there is no cover under any of our policies for the costs associated with the following:

  • For policies issued after the 13th March 2020, Cancellation due to a change in FCDO advice caused by the pandemic.
  • Denied entry to the country or territory they are due to travel to
  • Having to quarantine or isolate when they return to the UK (this includes hotel quarantine costs)
  • Having to purchase/pay for Covid-19 test

Please be aware, that our underwriters stance is subject to change depending on the information and rules put in place by the UK Government. If our stance does change, we will update this notice.