BREXIT - Travel insurance FAQs

Here's what your customers might need to know

Posted on 6th March 2019

Ageas: Brexit travel insurance FAQs

If the UK leaves the EU on a 'no deal' basis, then travel to and from the UK could be affected. However, we don’t know what the full impact will be yet, with or without a deal. There could be delays at the borders, the European Health Insurance Card (EHIC) may not be valid, and entry requirements to EU countries may change.

If your customers make a claim, then, under the terms of our travel policies, the sections that may be relevant are the Missed Departure, Delay, Travel Disruption, and Medical Expenses sections.

These FAQs should help you to reassure your customers. We’re monitoring the situation closely, and of course we’re here to help. Contact our travel underwriting team at: – or, call us on 0345 122 3288 (option 3).

If my customers need to make a claim, will they be ‘covered for Brexit’?

If Brexit causes disruption to travel arrangements, then it’s the airlines and travel companies that take primary responsibility for offering alternative transport or refunds. In the first instance, customers should always contact their travel providers first.

My customers don’t want to go to Europe now; can they cancel their trip and make a claim?

Cancellation cover is for specific reasons only. Those reasons don’t include making a decision not to travel.

Will their travel insurance still be valid in the EU, after we leave the EU?

Yes, their travel insurance will still be valid. Their cover will be the same and they’ll get exactly the same levels of service and care if they need emergency medical treatment while they’re in an EU country.

What happens if long queues cause a problem for my customers?

Missed Departure cover only applies in certain circumstances (see section 4 in our standard policy wording for more information). These are the circumstances leading to your customers arriving at an international or final departure point too late to board their booked transport. The circumstances don’t include being delayed because of long queues. As longer queues are expected, your customers should make sure they take potential delays into account and leave enough time in their travel plans.

But what happens if their transport is delayed or cancelled?

The Delay section under the Ageas policy provides cover if your customers’ transport (for their outward or return journey) is delayed or cancelled for reasons which they or the tour operator can’t control. Your customers will get either £20 per 12 hours of the delay, or up to £5,000 (for travel and accommodation costs only) for cancellation if, after a 12-hour delay, they decide not to continue with their trip.


If your customers have added the Travel Disruption section of cover to their policies, then that will show up as an addition on their schedule.

If customers have to make alternative arrangements to reach their destinations, and/or they have to make alternative accommodation arrangements at any point during the period of insurance, then, after a 12-hour delay they can also claim for the cost of additional travel expenses and extra accommodation (room only) expenses up to £1,000.

Please remind your customers – if there’s a problem with their travel, then they should contact and follow the recommendations of their transport provider as a first port of call.

If my customers need medical treatment while they’re overseas, can they still use their EHICs?

No. If the UK leaves the EU without a deal, then it’s quite likely the European Health Insurance Card (EHIC) will no longer be valid. This is why it’s so important to have appropriate travel insurance in place. If the EHIC is no longer valid, your customers will have to pay an excess of £50 on each medical expense claim (previously, we waived this if they were using an EHIC).

If the EHIC will no longer be valid, will we go back to the E111?

They’re the same thing. The E111 became the EHIC in 2006. If there’s a no-deal Brexit, there may be no equivalent or alternative to the EHIC. The only way for travellers to ensure that they are protected against costs for medical treatment is to take out travel insurance.

Can my customers still get compensation from their airlines if flights are delayed or cancelled?

According to the CAA, the rights to compensation under the EU Flight Compensation Regulation will continue to apply to passengers departing from the United Kingdom to an airport situated in the territory of an EU member state, as long as the airline has an operating licence granted by an EU member state. Customers can find out more about their rights and how to make a claim on the CAA website:

Will my customers’ passports still be valid, after we leave the EU? And will they need a Visa?

But if your customers are travelling after the UK leaves the EU, then the government is recommending that UK travellers have at least six months left on their passports from the date of arrival in an EU country.

If a 10-year adult passport was renewed before it expired, extra months may have been added, which won’t count towards the required six months remaining.

Customers may want to renew their passports sooner rather than later, to make sure they have them in time for their holiday or travel plans.

For Visas - The European Commission has confirmed that from 2021, UK citizens would have to pay €7 for a travel permit, as part of the European Travel Information and Authorisation Scheme (ETIAS). Travellers will register their details and pay the fee in advance of travel (at least 72 hours before departure is advised), to obtain ETIAS authorisation.

If my customers get stranded abroad beyond a scheduled return date, will their policies still provide cover?

We will extend the period of insurance by up to 30 days, at no extra cost, if your customers have to stay overseas due to events over which they have no control.

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