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What will happen post-Brexit?
The decision for the UK to leave Europe will take effect on 31 October 2019 and just like everyone else, we don't have any concrete answers at this stage. While all of this sounds confusing and unpredictable, we're here to make sure you're kept up-to-date with the latest news and most affordable travel insurance policies so that your European holiday plans continue to run smoothly. What we do know is, there has never been a greater need to make sure your trip is Brexit-proof with affordable travel insurance.
At Holiday Extras, we have a hassle-free approach to travel — we want your week to be spent sunning yourself on a Greek island, not to be held at ransom by politicians! Your time should be spent planning which restaurant serves the best mezze, not worrying about your insurance policy. Don't worry, we've got you covered and until that date, we say book away!
How will Brexit affect my travel insurance policy?
Sadly at this point, there is no established travel insurance policy that specifically covers Brexit because the whole debacle hasn't been finalised yet! What we can promise is to consistently provide you with a comprehensive guide to navigate this political minefield, so all planned aspects of your holiday run like clockwork. If you still don't quite know where you stand with your travel arrangements, why not take a look at our Brexit flowchart designed to provide some clarity on the issue.
At Holiday Extras, our best advice is to always take out a travel insurance policy which covers you in the event of cancellation, airline failure , or if you require emergency travel documents. All of our policies cover you from a comprehensive degree all the way up to a premium level of security. The International Airport Transport Association (ITATA) has issued a warning saying that in the case of a no-deal Brexit, up to 5,000 passengers could find their flights delayed or cancelled.
Adding some reassurance to the balance, Victoria Bacon of the Association of British Travel Agents has confirmed in the Financial Times that flights will continue to operate between the UK and the EU regardless of the outcome and that "British citizens will not need a visa to visit EU destinations".
Whatever happens after 31 October 2019, having a policy with water-tight cancellation cover is essential. The good news is that there will be a transitional period until 31 December 2020, culminating in a complete trade deal. With over 300,000 bookings in the last 2 years, we are committed to providing ultra-safe policies that allows you to enjoy your trip stress-free!
Travelling after Brexit? Don't worry. If you're the super-organised type to book a trip after 31 October 2019, you probably will likely have already plucked a bulletproof policy to match. Have a look below at our comprehensive single-trip policy for that once in a lifetime European adventure:
Single Trip Policies
- We will cover you for any sudden and unforeseen accident, illness, loss or damage which is beyond your reasonable control, much like… Brexit!
- We have policies tailored for customers with pre-existing medical conditions
- We can pay up to £5,000 for any irrevocable loss directly related to your trip from scheduled airline failure
- Up to £10 million in medical cover
- We can pay up to £5,000 for delays for more than 24 hours from your international departure point
*Prices based on 1 person aged 27 with no pre-existing medical conditions, travelling to Europe excl. Spain/Cyprus/Malta for 7 days. Price correct at time of writing.
Driving in Europe
If you're planning to drive around Europe after Brexit and depending on the country you visit, you might have to update your International Driving Permit (IDP) to guarantee your motor insurance abroad is valid. If you're unsure what documents you need for driving abroad we've devised a list of which IDP required by each country:
What will happen to my EHIC?
At this stage your European Health Identity Card (EHIC) allows you the same medical care as EU nationals, but it's always our advice that you take out medical insurance if you have a pre-existing medical condition or if you're just a full-time, snowboarding legend!
While it's difficult to say at this point, the general consensus is that in the event of a no-deal Brexit, your EHIC will no longer be valid. However, if a deal is miraculously reached, then British travellers have up until 31 December 2020 to use their EHICs.
Unlike politics, we like to keep things simple for you: we've got four great travel insurance policies that cover you from a single trip to an annual travel so you are well and truly safe and sorted. Just make sure all of your medical information is accurate and up-to-date, and we'll do the rest! We can pledge to cover you if you need emergency medical treatment abroad of up to £10 million depending on your policy.
Predictions for the pound?
Every traveller wants as many euros for their hard-earned pounds, it's only natural! Based on the economic climate monitored since the 2016 referendum, insurance premiums have increased gradually, so it is our prediction that the later you take out a policy, the more you might have to pay.
We always suggest you take out your policy the day you book your holiday, but with the uncertainty surrounding Brexit negotiations, it is imperative you take out a policy as soon as possible to avoid inflation rates on insurance premiums. Travel insurance expert, Stuart Lloyd, at Columbus Direct of advises that "it is unlikely that the increase will be immediate, even in the event of a no-deal Brexit." We'd say that's pretty excellent news for your purse strings!
While Brexit will inevitably cause an amount of disruption to British travellers, the extent of which is by no means certain, the necessity for travel insurance for European holidays is more valuable now than ever. For more details and frequent updates on how Brexit will affect your holiday in general, take a look at our blog!
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Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.
Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.