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Frequently asked Brexit questions

Our customers have been asking us many questions about how Brexit might affect their travel insurance, and we’ve tried to answer the most common ones here.  Hopefully you’ll find your query below, but if not try these sites: ABTA, GOV.UK and ABI or chat with us online.

 

Would travel insurance cover travellers if they faced problems, for instance; if their flights were cancelled, or they ended up missing their hotel check-in as a result of a no deal Brexit?

For customers who already have a policy, or who buy one before the consequences of Brexit are clear, their policy will cover them for any claims for travel delay or cancellation of flights in line with their policy terms and conditions. Once the situation has been clarified we’ll update our advice.

What do travellers need to look out for in a policy, if one is taken out after Brexit?

Customers should always look for a policy that’s right for their specific needs. Ideally a policy should at least:

  • Give you appropriate cover limits
  • Cover your destination
  • Cover you for the duration of your trip
  • Cover all the activities you want to do
  • Cover your medical conditions

After Brexit however, there may be other things you need to be mindful of too. For example;

  • If we’re no longer able to use the EHIC, will your policy give you adequate medical coverage in Europe?
  • If there are delays or disruption due to Brexit, will your policy provide any cover for that?

Like everyone else, we’re still waiting to see exactly what impact Brexit will have on travelling overseas. So we’ll update the answer to this question as things become clearer.

If we are no longer able to use the EHIC, will my policy cover medical expenses?

As long as you make a full, accurate medical declaration then the medical expenses section of cover will still apply as normal.

If we are no longer able to use the EHIC, what will happen to my excess?

If you are unable to use the EHIC then the standard excess on your policy will apply.

What happens if I am delayed at customs and miss my flight?

Tour operators and airlines are likely to provide guidance if disruption is expected. Make sure you follow their advice and ensure you allow plenty of time to check in and to clear customs. Some of our policies include travel delay cover, and you may submit a claim as long as the reason for the delay was not public knowledge at the time of purchase. The following circumstances are applicable:

  • Strike or industrial action,
  • poor weather conditions, or
  • mechanical breakdown.

In order to claim, you must have been delayed by at least 12 hours, and within 36 hours of you commencing your outward or return journey.

If your delay falls within this and lasts at least 24 hours you then can choose to abandon your holiday.

Also, if your flight to or from an EU country is delayed or cancelled by the airline due non-extraordinary circumstances, you may be entitled to compensation under EU Regulation (EC) No 261/2004. You can find further information regarding this here: https://eur-lex.europa.eu/legal-content/EN/ALL/?uri=CELEX:32004R0261

Will I be covered if my flights are delayed due to Brexit?

Currently we are not aware of any flight disruption that may be caused due to Brexit. Some of our policies include travel delay cover, and you may submit a claim as long as the reason for the delay was not public knowledge at the time of purchase. The following circumstances are applicable:

  • Strike or industrial action,
  • poor weather conditions, or
  • mechanical breakdown.

In order to claim, you must have been delayed by at least 12 hours, and within 36 hours of you commencing your outward or return journey.

If your delay falls within this, and lasts at least 24 hours, you may then choose to abandon your holiday.

Also, if your flight to or from an EU country is delayed or cancelled by the airline due non-extraordinary circumstances, you may be entitled to compensation under EU Regulation (EC) No 261/2004. You can find further information regarding this here: https://eur-lex.europa.eu/legal-content/EN/ALL/?uri=CELEX:32004R0261

What if I decide not to travel?

If you need to cancel your trip before your departure date, make sure it’s for one of the reasons outlined in the cancellation section of cover. Our policies don’t cover cancellations because you decide not to travel. If your airline or tour operator cancel your trip, try to claim any money back directly from them or from your credit card first, as we’ll only consider eligible costs that you can’t get back from elsewhere.

Will the cost of travel insurance rise as a result of Brexit?

It’s possible but we don’t know yet. There are a number of factors that could potentially cause us to increase our prices. An example of one of those factors is the possible loss of EHIC. At the moment some customers are being treated for free in Europe with EHIC, but without it, that cost will be passed on to travel insurers which could force prices up.

Will the terms and conditions of my current policy change when we leave the European Union?

If you already have a policy with us we won’t change the terms and conditions during its lifetime. However, we may need to change the T&Cs of our policies after Brexit. We’ll make sure any changes we make are clear.

I am not sure if I have a valid passport?

Please visit www.gov.uk/visit-europe-brexit for information on passport requirements and be aware there is no cover on any of our policies if you cannot travel due to not having the appropriate passport.

Will I need a visa to travel within Europe?

In the short term, the Government is advising that you will not need a visa for European travel but this is likely to change. Please check www.gov.uk/visit-europe-brexit for any updates as there is no cover on any of our policies if you cannot travel due to not having the appropriate visa.

Will I still be covered whilst I am driving in Europe?

There may be changes to the documentation required for you to drive in other European countries. Please check www.gov.uk/visit-europe-brexit. Please be aware we would only consider medical expenses claims whilst driving, there is no cover for anything else under any other sections of cover.

Post-Brexit, will I even need travel insurance?

Yes! Unfortunately, things can still go wrong in a post-Brexit world; luggage can still go missing, people can still have accidents or become unwell etc. so it’s always worthwhile to take out travel insurance.

The underwriter behind the insurance policy is Spanish, will this have any effect on the policy post-Brexit if there is no deal?

Just in case there is a no deal Brexit, MAPFRE ASISTENCIA has applied for, and has been granted, temporary permissions to continue to operate within the UK. This will ensure that the insurer can continue to underwrite insurance in the UK whilst the process for direct authorisation is undertaken. This means there will be no disruption to cover.

 

We cover over 50 activities

All of our policies come with cover for over 50 activities and sports as standard, so you can get up to more on your trip.

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+44 (0)207 748 0060

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We consider all conditions

If you have a pre-existing medical condition, you don't need to worry - you can declare them online quickly and easily.

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