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Holidays and travel insurance in summer 2020

Mon 6th Jul 20

As we push into July, the promise of summer holidays and a much needed rest from the daily grind comes within reach. Summer holidays in 2020 have been a subject of much debate, though, and for the majority of us they will look very different to those we may usually have had.

While normally, booking a holiday, checking you have adequate travel insurance and preparing to travel – whether in the UK or overseas – would all be reasonably simple. The Coronavirus pandemic has added many unknowns into the holiday mix – and not just the question of whether that vacation is on the cards or not.

Putting holidays back on the map

This weekend, the government announced a number of changes that put holidays back onto many people’s calendars, with the possibility of travel back on the map. These include the go ahead for UK hospitality businesses to reopen to the public, making hiring holiday homes in the UK a possibility. And they also include changes to foreign travel guidance.

Overseas advice and the quarantine programme associated with it has been relaxed, now allowing people from the UK to travel to over 60 countries on holiday – get the full list here – with the promise that, for those returning after 10 July, there will be no quarantine requirements, either.

While the government has given the green light to travel to these countries, though, it’s important to check whether that country is ready to welcome you. Some of the countries on the list are still operating their own lockdown restrictions that mean you can’t enter – such as New Zealand – and some may require you to quarantine for two weeks when you arrive. You can find out about the rules for each country on the Foreign & Commonwealth Office (FCO) travel advice pages.

Holidaying at home or abroad and your travel insurance

For those who were eagerly awaiting the changes in FCO guidance so that they could stick to their long and eagerly awaited summer 2020 holiday plans, the new government advice does mean that holidays may now be able to go ahead.

If this is the case and you do go on holiday, whether in the UK or abroad, the insurance cover you would normally expect may have changed. As with any insurance, covers offered vary by insurer, so it’s important to thoroughly check the specific restrictions now in place on your particular policy.

There are a number of resources for finding out more about your travel insurance options, including the Association of British Insurers and it’s a good idea to chat through your options with your insurance broker.

The team at Ryan’s is also on hand to talk through travel insurance matters. To find out more call our Private Client Division on 01473 343300.