Fewer than one in 100 journey insurance coverage insurance policies present ‘full’ cowl for Covid-19 disruption, a Which? evaluation of greater than 250 insurance policies has revealed.
Whereas some journey insurers boast of providing impressive-sounding ‘Covid-19 cowl’, the buyer rights physique discovered that this implies various things for various suppliers.
Which? discovered that many insurance policies exclude believable – and infrequently costly – situations, akin to new lockdowns within the UK or vacation spot nation.
The organisation checked out 263 journey insurance coverage insurance policies’ Covid-19 cowl and gave them scores starting from ‘primary,’ to ‘low,’ ‘superior’ and ‘full’.
Simply two insurance policies, HSBC Choose and Cowl and Barclays Journey Pack, had been rated as ‘full’, which meant that they protected travellers in opposition to:
- Cancellation resulting from modifications in recommendation from the Overseas, Commonwealth & Growth Workplace (FCDO) or authorities lockdowns prohibiting journey.
- Testing constructive for Covid or being instructed to self-isolate.
- Medical prices and repatriation.
Each of those insurance policies can be found to clients of those banks and may solely be purchased alongside different insurance coverage merchandise.
An extra 85 insurance policies had been ranked ‘superior’, offering cancellation cowl for travellers having to self-isolate with out a