No deal, no problem

Protect your holiday from a no-deal Brexit, from just £17.50*

With the UK political climate in a state of constant flux regarding Brexit, it's understandable that if you have a holiday booked, you could have some concerns about travelling. This is nowhere more apparent than in the event of a no-deal Brexit. A no-deal scenario means that the UK would immediately leave the European Union, with no withdrawal period. For a more in-depth look into Brexit, and its potential impact, see here.

Brexit Disruption Cover is available as an add-on in both single and annual multi-trip policies, for individuals, couples, families and single parent families.

At Holiday Extras, we want to ensure that no matter where and when you're travelling, in the event of a no-deal Brexit, you can have enhanced protection.

This includes:

If you have to cancel or curtail your holiday as a result of:

Cancellation of flights between UK and EU airports
Cancellation of ferries between UK and EU ports
Cancellation of Eurostar trains between UK and EU
Closure of the Channel Tunnel

Should you already be on your holiday and your return journey is disrupted in the event of a no-deal Brexit, then cover is also provided in the event of:

Trip disruption
Curtailment
Missed departure, Inbound and Outbound (missed departure does not apply to Bronze cover)
Missed onward connection, Inbound and Outbound
Delayed arrival back in the UK

Booking Brexit Disruption Cover

Holiday Extras Brexit Disruption Cover is available as an add-on to your travel insurance policy. To book, simply complete your initial travel insurance booking and select Brexit Disruption Cover from the list of optional add-ons.

Cover levels for Brexit Disruption Cover

For a full overview of cover levels, see below:

	Bronze		Silver		Gold		Platinum
	We will pay up to	Deductible	We will pay up to	Deductible	We will pay up to	Deductible	We will pay up to	Deductible
If you are unable to go on your trip	£1,000	£150	£2,500	£100	£5,000	£50	£5,000 or as stated on schedule	Nil
If you missed your departure	Nil	Nil	£300	£100	£1,000	£50	£1,000	Nil
If you miss your onward connection	£500	Nil	£500	Nil	£500	Nil	£500	Nil
If you decide to abandon your travel plans	£1,000	£150	£2,500	£100	£5,000	£50	£5,000 or as stated on schedule	Nil
If you have to cut your trip short	£1,000	£150	£2,500	£100	£5,000	£50	£5,000 or as stated on schedule	Nil
If your return to your home country or BFPO is delayed	£25 for each full 12hr delay (up to £150)	Nil	£35 for each full 12hr delay (up to £350)	Nil	£50 for each full 12hr delay (up to £500)	Nil	£100 for each full 12hr delay (up to £800)	Nil

Exclusions

Our Brexit Disruption cover extension has exclusions that you need to be aware of, these can be found in the policy wording, importantly though:

Brexit Disruption Cover excludes ignoring any advice given by the UK Government on preparation for a no deal Brexit, and for which any necessary, passport changes, permits etc were available prior to any official announcement. We recommended reading up on all official government advice here.

Note: Brexit Disruption Cover is not available on cruise policies

Cancellations

As with all our travel insurance policies, you are entitled to a full refund if you cancel within 14 days of making your booking.

Frequently asked questions

We've compiled a list of the most commonly asked questions to give further insight into Brexit Disruption Cover.

Brexit Disruption Cover FAQ

Will domestic flights be covered if there is any delay/disruption?

No, cover is provided for trips to Europe via air, sea or rail and disruption to return journeys from Europe.

Will connecting/internal flight be covered?

Cover is in respect of flights from the UK to Europe and would not include internal European flights or internal UK connecting flights.

Will it cover for strikes/industrial action as a result of Brexit?

Cover in respect of strikes or industrial action would be as per the standard travel T&Cs, so if a strike was a known event prior to purchase no cover.

If I am BFPO, am I covered?

Yes, as BFPO are covered under all other policy sections as if their point of departure or return is the UK.

If I am delayed overseas for longer than 24 hours, am I able to claim for reasonable accommodation/transport costs?

No, but if you arrive in the UK more than 12 hours after your intended arrival etc on their return journey due to implications of a no deal Brexit then you are able to claim under the limits shown in your policy extension booklet.

If I miss my departure due to extreme traffic (such as lorries) but have taken reasonable extra time to travel due to checking travel reports, will this be covered?

Refer to standard Travel T&C's.

Will Brexit affect my policy if i'm taking a worldwide AMT

If you have a Worldwide AMT or looking to purchase an Worldwide AMT then as this covers Europe, also you may include Brexit cover.

For cruise policies - what cover will be available if there needs to be a change of itinerary, loss of excursions etc as a result of Brexit?

Brexit cover will not be offered under cruise.

What is 'no deal' Brexit?

In simple terms it is where the UK leaves the European Union without a deal allowing freedom of movement, trade agreements etc. For more information, visit here

What is Brexit?

For official government information, visit here

What is a 'hard Brexit'?

See above

What will happen if I can't drive my car abroad?

The Brexit cover will not cover against claims where you have ignored any advice given by the UK Government on preparation for a no deal Brexit, where any necessary passport changes and permits were available to you prior to any official announcement.

*Price based on an individual Brexit Disruption Cover add-on, on a single trip policy. For full details on our cover levels, please consult our policy wording page

Holiday Extras insurance

Medical Conditions

Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited who are authorised and regulated by the Financial Conduct Authority under registration number 828848.

Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited

Holiday Extras Travel Insurance is provided by Taurus Insurance Services, an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK and registered with the Financial Conduct Authority in the UK under registration number 444830.

The insurance is underwritten by Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

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