Check the latest advice from the FCO: It can impact your travel insurance cover

By , January 27, 2012 11:29 am
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Summary: The travel advice published by the FCO can have an impact on your travel insurance cover. Travelling against FCO advice can make your travel insurance void: find out why.

The Foreign and Commonwealth Office (FCO) provides a wealth of useful information to help you stay safe abroad. This includes information on local laws and customs, dangerous areas that you should avoid, and any upcoming strikes or industrial action that could impact your travel plans.

You should check the latest information for the country you are visiting, before you travel or even before you plan your trip.

How does the FCO travel advice impact your travel insurance cover?

The FCO publishes travel advice by country which is updated daily. They have a page of in-depth information about every country in the world, if there are any travel alerts that you need to be aware of they will be highlighted at the top of these pages.

This information is important to your travel insurance cover, because if the FCO is advising against travel to a country or a particular area of a country, your travel insurance will not provide cover if you travel to those areas. Most travel insurance policies have an exclusion in the terms and conditions which states that they will not provide travel insurance cover if you are travelling against Foreign and Commonwealth Office advice.

It is likely to still be possible to buy flights to areas that are considered unsafe, so it is up to you to check the latest travel advice to see whether it is safe to go there and whether your travel insurance will be valid.

For example, British Airways have recently announced that they are to restart flights to Tripoli, the Libyan capital from the beginning of May.  (Flights were stopped last year when tensions in Libya escalated).

This may be an extreme example, as not many people are going to be planning a holiday to Libya, however it does illustrate the point. Although you can easily book a flight from London to Libya, the FCO are advising against all but essential travel to some areas of the country, and against all travel to other areas.  If you do choose to visit Libya against FCO advice, a standard travel insurance policy will not cover you.

Even if you are going to a popular holiday destination, you should still check the latest FCO travel advice before you depart, as the recent events in Kenya and the revolution in Egypt last year highlight. Both destinations are popular with UK holidaymakers and although the FCO didn’t advise against all travel, they did and do advise against travel to specific regions, so if you are travelling to these countries you should be aware of which areas should be avoided.

Is it fair that travel insurance doesn’t provide cover if you are travelling against FCO advice?

In a word, I would say yes. As we’ve discussed in various posts before, travel insurance, as all insurance, is designed to cover unexpected and unforeseen risk.  Travelling to a country or area of a country that the FCO considers dangerous for British Nationals is a much higher risk than travelling somewhere that is considered safe.

Information on strikes and Industrial action

The FCO also publishes the latest information on strikes and industrial action which could have an impact on your trip.  This is type of information is definitely worth knowing, because even if you can’t change your dates of travel, it pays to be aware of any upcoming strikes so you make plans accordingly, such as allowing more time for journey’s on public transport.

For more information about travel insurance cover for strikes and industrial action read our post.

Delays due to strikes: Travel insurance cover & your rights

Where to find travel advice from the FCO!/fcotravel

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