After the recent tragic events in Paris, France our thoughts are with all those affected.

If you are a policyholder and are either currently in Paris or have booked a trip to Paris, please read the following information.

Please note this information is up to date as at 19/11/15. This is an ongoing situation so guidance may change. Please ensure you check our website prior to travel….

Here is the updated advice from the FCO: www.gov.uk/foreign-travel-advice/france

The FCO have also updated their travel advice for Belgium: https://www.gov.uk/foreign-travel-advice/belgium

The FCO has now advised British nationals to exercise caution in public places and follow the advice of the local authorities.

Update 19/11/15:

If you are an AllClear Gold or AllClear Gold Plus policyholder the following guidelines apply until Monday 23rd November when we will revert back to normal coverage:

If you are currently in France:

Please contact your holiday company as soon as possible as they should be able to help make arrangements for you to return home.

We have also updated the advice regarding what cover we can offer you if you’re currently in France below (updates in brackets):

  • Medical expenses – Any medical claims arising as a result of any attacks are fully covered under the policy terms and conditions.​​
  • Repatriation – Both holiday companies and the British Government are looking to repatriate those in France. If, for any reason, you’re unable to be repatriated by either of these then we will provide cover for this in line with your medical needs.
  • Cutting short your trip – If you have chosen to end your holiday and no refund is available from your holiday company, then we will refund up to £1,000 per person for the cost of your lost holiday upon receipt of clarification from your holiday company as to why they will not reimburse this to you. This is extra cover that is not detailed in the policy terms and conditions, therefore the limits set out in the policy booklet do not apply in this case.  If you are currently in France and have made independent arrangements (i.e. do not have a holiday company that can assist you with extended accommodation (room only) costs that you need to incur after your planned return date), we will allow claims to be submitted under this section, within the £1,000.00 limit provided, to assist you with these costs that you cannot get back from any other source.
  • Travel delay – if you have travel delay cover this will be covered for delays over 12 hours, in line with the benefit on the policy (please note that if you are in Paris you can claim additional room only hotel costs or travel delay, but not both).
  • Baggage claims – any baggage claim associated with this incident will be considered. If any delay or loss occurs if the government arrange for its return, claims should initially be submitted to that government Authority before being submitted to us for consideration.
  • Extended cover -The cover provided by your ‎policy will automatically extend if you are unable to return home as planned.

If you are still in the UK and have not yet travelled:

If you have booked a holiday to Paris, France that is due to depart soon, please contact your holiday company as soon as you can as they should be able to either rearrange your holiday for another time or offer you a full refund. If you have an Allclear Gold or AllClear Gold Plus travel insurance policy, we can change this to cover your new holiday providing the new trip is within three months of your original departure date, is for the same (or no longer) duration and is to the same geographical area.  If your trip is cancelled and you are being fully refunded by your holiday company and so have no claim to make under this insurance, we will also consider the cancellation and refund of your existing policy.  Please note that this will only apply to Single Trip policies for specific trips covering the dates concerned.

  • Cancellation – If you’re cancelling a holiday to Paris, France, in the first instance, you should speak to your holiday company, as most are offering a full refund/change of destination. However, if you find that these are not available to you, we will look at these on a case-by-case basis and will, again, be subject to clarification from your holiday company being provided as to the reason why this will not be refunded.

 

TRUST2TRAVEL or FREE SPIRIT: If you are a Trust2Travel or Free Spirit policyholder the following guidelines apply:

If you are currently in France:

We will consider curtailment claims for those returning this weekend.

Any claim for injuries or medical treatment will be considered and handled in accordance with your policy wording; contact should be made with the emergency medical assistance company.

If you are still in the UK and have not yet travelled:

With regard to cancellation of future travel, in the first instance you should contact your tour operator and/or agent. All claims will be dealt in accordance with the policy issued so please check your policy wordings with regard to coverage.

AVANTI: If you are an Avanti policyholder the following guidelines apply:

  • Am I covered if I am injured in a terrorist incident such as in France?

If you are injured or killed in a terrorist incident you are covered under the travel insurance policy for medical expenses and personal accident cover. As such, our 24-hour emergency team will be available for immediate care for you and for arranging all necessary treatment and return to the UK, as well as close liaison with relatives and travelling companions.

  • Am I covered if I am abroad and wish to return home immediately?

The travel insurance policy will only provide curtailment cover for specific reasons and concern over the safety of a destination is not one of these.

After such a serious incident, the first contact should be made with the airline or travel provider for them to decide whether they can or will arrange for your return to the UK. If the Foreign and Commonwealth Office (FCO) advise against travel to the region where you are staying, it is likely that the travel provider will make arrangements for your immediate return. If this is not possible, and you are directly affected by the incident, we will make every effort to assist you and will advise how best to return home on a case-by-case basis.

  • Am I covered if I wish to cancel my forthcoming holiday to France?

If the Foreign and Commonwealth Office (FCO) have not advised against travel, your travel insurance policy will not normally offer any compensation as it only provides cancellation cover for specific reasons and concern over the safety of a destination is not one of these.  In the first instance you should contact your airline and travel provider to cancel and obtain a refund.

Where the Foreign Office does advise against travel to your destination the first contact should be made with the airline or travel provider for them to decide whether they can or will complete the travel contract with you. If not, they will most likely offer a refund or an alternative date or destination. If an airline is still able to travel to the destination, but the FCO advises against travel to your resort, it is still unlikely that there will be any cover under your travel insurance policy for cancellation.

  • Am I covered if my flight has been cancelled when I am due to return home?

This is a situation where you have contracted with an airline or travel provider for a service that they have been unable to fulfil. As such, it is their legal obligation to assist and support you in getting home.

After such a serious incident, the first contact should be made with the airline or travel provider for them to decide whether they can or will arrange for your return to the UK. If the Foreign and Commonwealth Office (FCO) advise against travel to the region where you are staying, it is likely that the travel provider will make arrangements for your immediate return. If this is not possible, and you are directly affected by the incident, we will make every effort to assist you and will advise how best to return home on a case-by-case basis.

  • Am I covered if my flight has been delayed when I am due to return home?

Your travel insurance policy will only provide travel delay cover for specific reasons, and delays due to increased security risk are not one of these. Again, this is a situation where you have contracted with an airline or travel provider for a service that they have been unable to fulfil. As such, it is their legal obligation to assist and support you in getting home.

After such a serious incident, the first contact should be made with the airline or travel provider for them to decide whether they can or will arrange for your return to the UK. If the Foreign and Commonwealth Office (FCO) advise against travel to the region where you are staying, it is likely that the travel provider will make arrangements for your immediate return. If this is not possible, and you are directly affected by the incident, we will make every effort to assist you and will advise how best to return home on a case-by-case basis.

  • I have rescheduled my travel arrangements; can I transfer my insurance to my new travel arrangements?

Due to the recent French attacks, some travel providers may offer customers the option to change their travel destination and/or dates of travel. Provided that there is no impact in the travel insurance policy premium, we will not charge an administration cost for any amendments. If there is a change that alters the premium due to a change in destination or duration, we will adjust the cost of the policy and either refund any monies due or make a charge for the additional premium. However, there will be no administration charge.

  •  I am stranded abroad because of the aftermath of the French attack, is my cover still in force?

If you are stranded abroad, due to helping the authorities, lost documentation or other consequent circumstances as a result of the terrorist attacks in France, your travel insurance policy will be extended until you can return home, provided you do so at the earliest possible opportunity. The cost of additional accommodation whilst abroad as a result of this incident is not covered although, where directly affected by the events, we will review each case on its merits.

  •  My Tour Operator has cancelled my holiday so can I cancel my insurance and have a refund?

 If the policy is a Single Trip policy then a full refund will be offered but we cannot offer policy refunds for Annual Multi-Trip policyholders.

  • I haven’t left the hotel since this event – can I claim for loss of holiday?

A travel insurance policy will not provide any cover for loss of services or loss of enjoyment following an incident. However, we would advise contacting your travel provider and asking their advice.

FLEXICOVER or SPECTRUM: If you are a Flexicover or Spectrum policyholder the following guidelines apply:

As France has called a state of emergency we will be offering Cancellation or Curtailment cover to anyone who no longer wishes to travel to the country and is not able to receive a refund from their provider(s). In the first instance please contact your airline or tour operator.

We are also offering Travel Disruption cover for claims arising while the state of emergency is in effect.

Disneyland Paris and Walt Disney Studios Park closed on 14/11/15 for one day following the attacks. If you were due to utilise the park in some way you should contact the park in the first instance.

These approaches will be in effect for Flexicover or Spectrum policy holders until 20/11/15 subject to further updates as the situation develops.

EXPLORER: If you are a Explorer policyholder the following guidelines apply:

In the first instance you should contact your tour operator or carrier.

If there is not an FCO directive against travel then you will not be able to claim for cancellation.

If you have purchased the following policies guidance will be issued in due course:

  • OK 2 Travel
  • Freedom
  • AllClear Traveller

For further information:

FCO Advice:  https://www.gov.uk/foreign-travel-advice/france‎

BRITISH EMBASSY:

Address: British Embassy, 35 Rue du Faubourg Saint-Honore, 75008, Paris, France

Phone:+33 (1) 44 51 31 00

FOREIGN OFFICE NUMBERS FOR RELATIVES OF THOSE IN FRANCE:

Phone number in the UK: 0207 008 0000