Date of issue: 19/02/2021

The Summary of Cover and Policy Wording state who and what is covered under your policy.

If you have any questions regarding the policy please contact Philip Williams & Co on 01925 604 421 or email enquiries@philipwilliams.co.uk.

As at the date of issue, the advice below relates to coverage under your policy for trips that will be affected by the current Government announcement on 01/02/2021 that under current UK COVID-19 restrictions, you must stay at home. You must not travel, including abroad, unless you have a legally permitted reason to do so. It is illegal to travel abroad for holidays and other leisure purposes.

If you reside in Wales, you will also need to check the rules that apply to you in Wales https://gov.wales/covid-19-alert-levels

If you reside in England, you will also need to check the rules that apply to you in England https://www.gov.uk/guidance/national-lockdown-stay-at-home

So, if you book a trip when the FCDO is advising against all but essential travel, which is the current advice in force, there is no travel under the policy for anything if that advice remains in force.

If the advice is changed prior to your departure date and permits travel to your intended destination then cover will be in place for medical emergencies abroad, including anything Covid related. However, there will still not be any cover for cancellation and curtailment, travel disruption, or travel delay, due to the fact that at the time of booking circumstances existed which are likely to give rise to a claim. This would include if you had to cancel as a result of something not related to Covid and you lost your money.

The sensible or risk free position, given the current continuing uncertainty is to not book anything until the travel position is a little clearer.

If you do decide to book something it would be prudent to book a package deal, and check with them the situation regarding amending the booking if you are unable to travel due to a local lock down, or contracting Covid or failing a Covid test prior to travel. If they would not cover and tell you to look at your insurance, then the below is to make it clear that this is not covered by the insurer.

Please note the following general Millstream policy terms:

• Your policy excludes cover if at the time of scheduled departure the FCDO advises against all but essential travel to the country to which you are travelling.

• Since 05/01/2021 the UK has again been in lockdown with advice against all but essential international and domestic travel

• Your policy excludes ‘a set of circumstances which you knew about at the time the trip was booked unless you could not reasonably have expected such circumstances to result in a claim’. If you book a trip at a time when the FCDO recommends against all but essential travel, please be aware that there is no cover currently available under your policy.

• The Travel Disruption extension section of your policy only applies if your trip does not constitute a package, which is defined as “the pre-arranged combination of at least two of the following component when sold or offered for sale at an inclusive price and when the service covers a period of more than 24 hours or includes overnight accommodation: a) transport b) accommodation c) other tourist services in addition to transport or accommodation (such as car hire or airport parking) and accounting for a significant proportion of the package”