Travel Insurance after Brexit – What will be the situation with travel ?
The General Election has now taken place and the incoming Government have a mandate to:
GET BREXIT DONE !
The Bill to exit the European Union on the 31st January 2020 has now been passed in the United Kingdom Parliament and is going through The House of Lords.
This means that we will be leaving the EU on 31st January 2020, with a further 12 month transition period to get a trade deal with the EU in place.
It is ESSENTIAL that you have Travel Insurance in place and protect yourself and travel companions whilst travelling in Europe.
At the moment there seems to be no lack of holidays being booked for 2020 in Europe by UK Residents.
As the extension has been agreed until 31st January 2020 and there is a transition period until December 2020, nothing will change and travel to Europe will remain the same as it is at the moment.
We are working with our Travel Insurance Providers in order that business continues as usual. We understand that there is much uncertainty around what will happen after we leave the European Union.
In respect of ensuring that customers are treated fairly, we recommend that all travellers check Government advise and holiday / airline providers terms and conditions before traveling.
Any policy already issued for travel post BREXIT will remain in place and cover will continue as per the contract at the time of sale.
Important Information regarding your Passport
After we have left, you should make sure that you have at least 6 months left on your passport for travel in Europe. If this is not the case, you may need to check with the Foreign and Commonwealth Office as to your status regarding your passport.
It is always a good idea to check with each country you are visiting as they may have certain regulations in place for British Passport holders, such as a requirement that your Passport does have at least 6 months left before the expiry of your Passport.
Driving in Europe
When we have left the European Union, there may be a requiremment for UK drivers to have extra documentation such as an International Drivers Permit. This will not be the case in the Republic of Ireland.
Free Movement across Europe
Once again as we leave the EU, there may be changes to entry into European countries. At the moment there will be no changes until the transition period ends at the end of 2020.
The beggist change will be that when arriving at Passport Control, UK Residents will not be able to use the EU Nationals speedy check lanes. This could mean a longer period of time entering an EU counrty.
Travel Compensation could be affected
At the moment United Kingdom Residents can make claims for travel delays, cancellations or abandonment of a trip. This is covered under specific EU Legislation.
European Health Insurance Card after Brexit
If you a planning a trip to Europe this year, you are probably thinking of taking your European Health Insurance Card (EHIC) with you on your trip.
This Card entitles you to State provided medical treatment should you need it when you are visiting most European countries.
As the Government continues with the BREXIT negotiations, the future of the European Health Insurance Card is not certain.
The only countries that have confimed that the EHIC will continue to be valid after BREXIT, is Spain and Ireland. All other countries will not confirm if the EHIC card will continue to be valid.
An article on the BBC News website published on 10th October 2019. This article sets out the situation regarding the use of the EHIC card and Travel Insurance requirements.
What is going to happen when the United Kingdom leaves the European Union ?
You should, as mentioned elsewhere in this article, purchase a Travel Insurance Policy.
The European Health Insurance Card is not a substitute for Travel Insurance as it does not cover Repatriation back to the United Kingdom or cover some Pre Existing Medical Conditions.
This card will also not cover you whilst you are taking part in most Sports and Activities.