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Coronavirus Update

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 Organisation (WHO) declared coronavirus (COVID-19) a pandemic. As of that date, COVID-19 is considered a foreseen event.

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 (FCDO) guidance.

We’ve upgraded our cover* and will now consider certain coronavirus-related claims for trips booked after 11 March.

For any trips booked after 11 March 2020:

  • Insured travellers who become ill with coronavirus (COVID-19) during their trip will be covered for emergency medical expenses (subject to policy terms and conditions). This includes cover for the reasonable and necessary additional travel expenses to return to the UK
  • If you have been diagnosed with coronavirus (COVID-19) and need to cancel or cut your trip short, you will be covered, provided you did not know you had the illness or were not in the process of being tested for the illness at the time of booking your trip.
  • Your cancellation claim will not be covered if you’re cancelling because the FCDO is advising against ‘all but essential travel’ to your destination. In this instance you should contact your travel provider – they may be able to change your booking or arrange a refund. If you paid for any part of your trip with your credit or debit card, you could also check with your card provider to see if you’re entitled to a refund.

    • *This change took effect on 18/11/2020 . You won’t see this change in your policy booklet or terms and conditions – we will be updating our documentation in due course. General Exclusion 2 has been removed and has been added to the exclusions in Section A – Cancelling your trip and Section C – Cutting your trip short.

    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.

    For help prior to travel or to make a claim

    (Lines are open Monday to Friday between 8am and 8pm and on Saturdays and Bank Holidays between 9am and 5pm.)

    Travel insurance

    Travel protection for your trip

    Make sure you pack some travel insurance in your luggage when travelling in the UK or abroad. Yorkshire Bank can introduce you to American International Group UK Limited which provides travel insurance to cover a range of eventualities away from home.

    You can benefit from cover which includes the following*

    An excess of £50 per person per incident may apply.

    • Single trip or annual multi-trip cover
    • Optional upgrades cover winter sports and business travel. Extra costs may apply.
    • Cover for UK, European and world travel, excluding certain areas.*
    • Emergency medical expenses of up to £10,000,000 abroad and £10,000 in the UK.
    • Loss of travel and accommodation expenses following cancellation of your trip up to £5,000
    • Cover for the loss, theft or damage to your valuables and baggage up to £1,500. Limit for any single article or pair or set of items - £300. Valuables and electronic/other equipment limit - £500. Thefts from unattended vehicles - £100 per person.
    • Cover for the loss or theft of your travel documents and passports up to £200.
    • Cover for the loss or theft of your cash and travellers cheques up to £500. Cash limit - £200. Cash limit if aged under 18 - £50.

    * Travel insurance is available for UK based applicants who are under 75 years of age. As with any insurance there are certain exclusions, including claims due to undisclosed medical conditions which were known about at the time of taking out your policy or booking your trip 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.

  • Insurance Product Information Document - Single trip (PDF, opens in new window)
  • Insurance Product Information Document - Multi trip (PDF, opens in new window)
  • Policy document (PDF, opens in new window)

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.

Yorkshire 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.

Medical Cover Directory – Access to Cover for Medical Conditions

The Money & Pensions Service has introduced a directory of travel insurance firms who can help consumers with existing medical conditions access to travel insurance that covers their conditions. This will help customers better understand how and where to get more affordable insurance if they are travelling with a medical condition(s). For example, this might include how you can get cover for a condition that may be currently excluded on your policy or where you are paying an additional premium to cover your medical condition(s).

If you would like further information, please visit the Money & Pensions Service website at https://traveldirectory.moneyadviceservice.org.uk/en or call 0800 138 7777.

Brexit Update - Travel Insurance

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.

How will Brexit affect your Yorkshire Bank travel insurance?

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.

Changed your mind?

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.

Here to help

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 605 0057 or yorkshirebanktravel@aig.com.

Other insurance

For general enquiries;
Yorkshire Bank Signature: 0345 602 2369
Yorkshire Bank Private: 0330 123 3129
Yorkshire Bank Retail Policies: 0345 605 0057

 

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You can find impartial information and guidance on money matters on the “Money advice service” website.
Yorkshire Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.