Date of issue: 26/02/2021

The advice below relates to coverage under your policy for trips that will be affected by the current travel restrictions, which have been in place since 5th January 2021, as well as the 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. 

Please refer to previous bulletins for details of cover applying prior to this date.

Please note the following general 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’. This means that we will only consider claims where the reason for the loss was unforeseeable.
  • 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 oft he 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.”

If you are thinking of booking a trip, please bear the following in mind

If there is FCDO advice against all but essential travel to your destination at the time you book the trip

  • If the advice remains in place at the time of departure you will not be covered for any cancellation claims due to FCDO advice, regardless of any changes to advice in the intervening period
  • No claims will be considered if you choose to travel against FCDO advice
  • If advice against all but essential travel is no longer in place at the time of departure, your policy will operate as normal and we will consider cancellation claims
  • We strongly recommend that when booking a trip you should seek clarification on the travel provider’s COVID-19 policy.

If you book a trip at a time when there is no FCDO advice against all but essential travel

  • We will consider cancellation claims if there has been a change back to advice against all but essential travel at the time of your departure. We recommend in the first instance that you contact the airline and/or travel provider to discuss your options for amending or cancelling your trip. If your travel provider cancels your trip, they must offer a full refund. If you accept an offer of credit or a voucher, this will be considered as a cash equivalent. If you require a cash refund, you should insist on one from your travel provider. 
  • If a refund or amendment to your trip is not provided by the airline/ and or travel provider under the Terms & Conditions of your trip, please contact Millstream where we will consider your claim.
  • If you choose to cancel your trip, we will not consider a cancellation claim until 48 hours before your departure date.
  • If there is no FCDO advice against travel to your destination at the time of departure, your policy will operate as normal

If you already have a trip booked to start in 2021

  • If your trip was booked at a time when there was no advice against all but essential travel to your destination and FCDO advice changes, Millstream will consider cancellation claims, but only if costs are unrecoverable elsewhere. We recommend in the first instance that you contact the airline and/or travel provider to discuss your options for amending or cancelling your trip. If your travel provider cancels your trip, they must offer a full refund. If you accept an offer of credit or a voucher, this will be considered as a cash equivalent. If you require a cash refund, you should insist on one from your travel provider.
  • If a refund or amendment to your trip is not provided by the airline/ and or travel provider under the Terms & Conditions of your trip, please contact Millstream where we will consider your claim.
  • If there is no FCDO advice against travel to your destination at the time of departure, your policy will operate as normal
  • If you choose to travel against FCDO advice against all but essential travel, there will be no cover for any claim under any section of the policy.

Travel advice from UK nations

There may be variations on travel advice depending on which UK country you live in. It is not possible for us to provide a general statement on this subject, but we will take this into account if you submit a claim.

This is an unprecedented and dynamic event that we appreciate is of great concern to our customers. It is impossible for us to give definitive statements to every set of circumstances. We are committed to treating customers fairly and, subject to the above, will consider claims on their merits. Please refer to your policy document for details on how to make a claim.

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