Coronavirus insurance

[TinkleTongs]

Has anybody found an insurer or policy that covers in case anybody has to isolate before a trip ( Uk break ) ?

I have only come across policies that cover cancellation if you actually get Covid …

I need a policy that pays out if anybody in the travelling party has to self isolate

The DC have various clubs and meet ups before we go on holiday and I’m just afraid we will miss out due to isolation , also with us at work it’s a possibility too with cases rising etc.

I am looking around as well and so far quite like the look of staysure but haven't purchased it yet.

I find you do have to spend a long time trying to find and read the T&Cs to see exactly what is and isn't covered.

Yes that’s what I’m finding - the policies say “ Covid secure “ etc then the small print is saying we only get cancellation cover / money back if one of the party contracts Covid - they specifically say “ excludes self isolation “ .

It is a nightmare! Staysure does cover self isolation as long as you are "contacted by a representative of the UK Government’s Test and Trace service due to the probability of you having contracted COVID-19, and are instructed to self-isolate for a period of time which prevents you from starting your trip using your pre-booked outward travel arrangements."

There is a separate clause for actually getting covid beforehand, so I think the "... probability of you having contracted.. " means as a close contact. Not sure how it would work if you were contacted by the school/ group leader or something rather than t and t themselves, but I'm sure you could arrange for an email saying they were working on behalf of t and t so had the same authority.

Something staysure seem to exclude is if there is a local lockdown or travel ban or similar so you can't travel - but we thought we'd risk that given the rest of the policy looked ok. Fingers crossed...

@ResilienceWanker I’m reading that “ probability of contracting “ as being that u personally have contracted it , surely it would specifically say “ close contact “

It’s the “ close contact “ isolation we need a policy for .

I’ll check it out in more detail ,as we definitely need it , the trip is costing a lot , as much as we would usually spend going abroad so really want the money protected

AA insurance covers cancellation if you get covid or if you have to isolate for it. I took this out a couple of weeks ago

Look on moneysavingexpert site. I booked one with LV= recently.

@ResilienceWanker

It is a nightmare! Staysure does cover self isolation as long as you are "contacted by a representative of the UK Government’s Test and Trace service due to the probability of you having contracted COVID-19, and are instructed to self-isolate for a period of time which prevents you from starting your trip using your pre-booked outward travel arrangements."

There is a separate clause for actually getting covid beforehand, so I think the "... probability of you having contracted.. " means as a close contact. Not sure how it would work if you were contacted by the school/ group leader or something rather than t and t themselves, but I'm sure you could arrange for an email saying they were working on behalf of t and t so had the same authority.

Something staysure seem to exclude is if there is a local lockdown or travel ban or similar so you can't travel - but we thought we'd risk that given the rest of the policy looked ok. Fingers crossed...

I read that and didn't quite understand if that meant children using school holiday clubs would be covered given (I assume) the school will do the T&T so the instruction will come from them. It's a tricky one, I'd also like insurance but want to know it will cover me in the circumstances I am most likely to face.

Placemarking as was wondering about this too. We Have a long weekend booked for the beginning of the school holidays and other local secondaries have had bubbles pop this week.

[quote TinkleTongs]@ResilienceWanker I’m reading that “ probability of contracting “ as being that u personally have contracted it , surely it would specifically say “ close contact “

It’s the “ close contact “ isolation we need a policy for .

I’ll check it out in more detail ,as we definitely need it , the trip is costing a lot , as much as we would usually spend going abroad so really want the money protected[/quote]
Agreed, the wording is suspiciously weird! But given there is a separate section that covers for a diagnosis of covid, there is nothing else that t and t would really need to contact you for, I don't think. I'd also argue that having a positive test doesn't signify "probability of having contracted" but "having contracted" as there is no uncertainty any more... whereas the only reason close contacts are asked to isolate is because there is (theoretically) a reasonable probability of having contracted it from the infected person. So basically, I think it's just insurance-speak for close contact isolation (maybe because you don't necessarily have to have been an actual close contact - 2m for 15min or similar - if you're contacted due to a bubble or similar)?

Worth checking what you think with all the ts and cs, though.

I have an annual policy with LV= and, having read it through carefully several times, I fairly sure that it covers having to isolate.

It’s a minefield isn’t it and this is just for a UK local break , god knows what the ins and outs would be a foreign holiday these days !

I’ll look up the insurers recommended above thanks and see what they say in policies

Yes lemoncake - we were wondering that too! I think the wording is a bit wooly, but if the holiday club has been contacted by t and t it is their responsibility to tell the users. So I'd hope (not necessarily a good move with insurers!) that you'd be able to get their correspondence with t and t to prove it is genuine.

I was also a bit wavery that being in Scotland we wouldn't be contacted by t and t at all, but by "test and protect". But if they use that as a get out, I'd be seriously grumpy. But hey - the policy was ony £13...

I'll check these out too

Insureandgo cover isolating if contacted by T&T or an NHS medical professional (I think that would cover schools who take advice from Public Health England)?

You make an excellent point @ResilienceWanker, at £13 I should assume we will be covered and just hope we a/ won't need to claim and b/ won't need to argue with them over semantics.

I don’t have to self isolate if exposed at work as in PPE.
DH is WFH.
If DS bubble bursts we’re still going. He’s had Covid recently. Obviously if caught we would apologise and then the matter would be closed.
#thematterisnotfuckingclosed