The unprecedented disruption that Coronavirus is causing across the travel industry means that the Bank has had to take a difficult decision and temporarily pause new retail travel insurance sales.
As of 11 March 2020, the World Health Organization (WHO) declared coronavirus (COVID-19) a pandemic. As of that date, COVID-19 is considered a foreseen event. Because of that, certain cover on your travel insurance policy will not apply.
Specifically, any losses for trips booked after 11 March 2020 relating to trip cancellation, trip interruption and/or trip delay caused by coronavirus (COVID-19) is not considered ’Unforeseen’. That means it won’t be covered under the terms and conditions of your travel insurance policy.
Coronavirus related claims will be considered for any element of travel booked on or before 11 March 2020, subject to the policy conditions and Foreign and Commonwealth Office guidance. Any element of your trip booked after this date will not qualify for coronavirus (COVID-19) related claims.
If you have booked to travel and now need to cancel as a result please speak to your ATOL-protected tour operator, your cruise provider, airline or accommodation provider in the first instance. In many cases, you will be able to re-arrange or get a full refund on your trip.
For more information on how the coronavirus may impact you, please visit our dedicated coronavirus travel support centre.
You can contact us in the normal way if you need to make a claim.
(Lines are open Monday to Friday between 8am and 8pm and on Saturdays and Bank Holidays between 9am and 5pm.)
It's important to ensure you're covered when travelling both in the UK and abroad, so Clydesdale Bank can introduce you to American International Group UK Limited which can provide travel insurance which will take care of many circumstances when you're on the move.
An excess of £50 per person per incident may apply.
In addition, there are optional upgrades to cover winter sports and business travel. Extra costs may apply.
* Applicants must be UK based and under 75 years of age. Certain exclusions may apply, including claims due to undisclosed medical conditions which were known about prior to taking on the policy or booking travel, whichever is later. Cover is not provided for travel to or through Cuba, Iran, Syria, Sudan, North Korea, the Crimea Region or areas where the Foreign and Commonwealth Office have advised against all but essential travel. Please ensure you read the key facts, policy summary and policy document attached below.
Travel insurance is provided and underwritten by American International Group UK Limited (FCA No 781109) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (Formerly the Financial Services Authority) and the Prudential Regulation Authority.
Clydesdale Bank will not charge you a fee for arranging Travel Insurance but will receive commission from AIG for any sale made and subsequent policies renewed.
Flybe has confirmed that it has entered Administration on 5 March 2020 and all flights have been grounded. This means that all flights provided by Flybe have been cancelled and are no longer operating.
If you are a Flybe customer, you are advised to make your own alternative travel arrangements via other airlines, rail or coach operators.
There is no cover provided for this event under the travel insurance policy provided by Clydesdale Bank. However, please check the information below as you might be entitled to claim.
If you have booked flights or a trip that includes flights with a travel firm that holds an ATOL (Air Travel Organiser's Licence) and received confirmation that you are ATOL protected, the travel firm is responsible for your flight arrangements and must either make alternative flights available for you so that your trip can continue or provide a full refund. If you are abroad, it should make arrangements to bring you home at the end of your trip. Contact the ATOL travel firm for more information.
If you booked directly with Flybe and paid by credit card you may be protected under Section 75 of the Consumer Credit Act 1974 and should contact your card issuer for further information. Similarly, if you paid by debit or charge card you should contact your card issuer for advice as you may be able to make a claim under their charge back rules.
If you booked your ticket through an airline ticket agent, you should speak to the agent in the first instance; they may have provided travel insurance that includes Scheduled Airline Failure Insurance (SAFI) or taken out their own SAFI cover which will enable them to refund or cover the cost of a new ticket to get you home if you are currently abroad. If you did not book directly with Flybe and purchased your tickets through an intermediary, you should contact your booking or travel agent in the first instance.
If you are abroad, or have a future booking and have not yet travelled and require additional information or assistance, please contact the Administrators by phone on 0207 951 7801 or by email at email@example.com.
The UK Civil Aviation Authority is proving further advice and information via their website, for more information please visit www.caa.co.uk/News/Advice-to-UK-consumers-following-Flybe-entering-administration.
If you’re planning a trip to a European country in the next few months, you might be wondering if everything will go according to plan in the event that the UK leaves the EU.
The UK government and the European Commission have said that everything should continue to run as normal, including your flights. But if you do need to make a Brexit-related claim, we’re here to help.
What happens if your baggage is delayed?
Your cover will work in the usual way, please double check the terms and conditions in your policy.
What happens if you have to pay for medical treatment while you’re away?
Your cover will work in the usual way. Your policy doesn’t require you to have a European Health Insurance Card (EHIC) so even if EHICs aren’t valid after Brexit, your policy and coverage will stay the same.
What happens if your trip is cancelled, cut short or you miss your departure?
Your travel insurance works on a ‘named perils’ basis. That means the insurance protects you against the problems or events specifically named in your policy.
Brexit isn’t one of these, so you won’t be covered if a Brexit-related event means you have to cancel or cut short your trip, or if you are delayed or miss your departure because of it. This includes if you are not able to get the passport or visa you need for your trip, so be sure to check yours is valid as soon as possible. You can head to www.gov.uk for lots of helpful information on this.
What happens if you experience any other problems?
If you (or any other person covered by this policy) are unable to complete your trip because of reasons out with your control and these reasons fall within the conditions of the policy, your cover will continue as normal.
You can cancel your policy within 14 days of buying it or receiving your policy documents (whichever is latest). We’ll provide a full refund as long as you haven’t travelled or made a claim in that time.
If more than 14 days has passed since you bought your policy, we’ll still provide a refund but we’ll make a deduction based on how long you’ve been on risk for cancellation cover, plus a £15 admin fee. Again, we can only do this if you have not travelled or made a claim yet.
Every claim is handled on a case-by-case basis, according to your policy’s terms and conditions.
If you have any questions about travel insurance and Brexit, please contact AIG Travel on 0345 602 6917 or firstname.lastname@example.org.