"While most standard travel insurance policies include cancellation cover, which provides protection against unforeseen circumstances such as sudden illness or the death of a close relative, coverage for disruption caused by acts of war is usually excluded. Unfortunately, this means typical policies will not provide cover for holidaymakers who have changed their minds and no longer wish to travel."
"There is an exception when the UK Foreign, Commonwealth & Development Office (FCDO) issues advice against travel to a destination, as is currently the case in many of the Gulf countries impacted by the war. In this situation, travel providers should offer a full refund or alternative holiday arrangements."
"Some specialist insurers offer high-risk policies that could cover those travelling against government advice, providing medical protection or emergency evacuation. Still, these are typically used by groups such as journalists, humanitarian workers or business travellers rather than holidaymakers."
Middle East conflict has caused global travel disruption with thousands of flight cancellations and restricted airspace. Tens of thousands of UK citizens remain stranded in Gulf countries. Flights from UK airports to the Middle East and Cyprus have been grounded. Most standard travel insurance policies exclude coverage for war-related disruptions and cancellations due to changed minds. However, when the UK FCDO issues advice against travel to a destination, travel providers must offer full refunds or alternative arrangements. Travellers visiting areas against FCDO advice risk invalidating their insurance. Specialist high-risk policies exist but are primarily designed for journalists, humanitarian workers, and business travellers rather than holidaymakers.
Read at London Business News | Londonlovesbusiness.com
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