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, Commonwealth & Development 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, Commonwealth & Development 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.
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 email@example.com.