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Coronavirus: your travel questions answered

If you’re unsure how coronavirus will impact your travel plans or want to know what your rights are, the answers to many of your questions are below. As things change the information on this page may change. Keep checking back to make sure you have the most up-to-date information.


I’m due to travel and want to understand what I’m covered for under first direct Travel Insurance

The Foreign and Commonwealth Office (FCO) gives advice to help UK citizens make judgements about travelling to a particular country. On 17th March the FCO advised British people against all non-essential travel worldwide.

On 4 July 2020 the FCO updated its travel advice, to include  exemptions for travel to certain countries, please view the list of exempted destinations regularly as there may still be restrictions in place that could impact your cover.  The FCO continue to advise against non-essential international travel, except to those countries and territories listed.

You also need to be aware of any local quarantine restrictions that apply to where you live or your travel arrangements. When booking a future trip, you should check the status of your chosen destination country and whether there are any restrictions still in place, such as quarantine, local outbreak restrictions and self-isolation periods.  If, when you book a future trip, there are restrictions still in place in that destination for UK travellers, there would be no cancellation/abandonment cover for these trips.

The FCO advice is under continual review and these FAQs will be updated in line with any changes.

If you’re currently abroad, please visit the FCO website for up-to-date advice on getting home.

Travel insurance covers you for non-refundable costs. Your first step should be to contact your airline, travel or accommodation provider to find out what your options are.

If you booked a now cancelled package holiday, the travel provider you booked with is liable to provide you with a full refund of payments made for the cancelled package holiday under the Package Travel Regulations 2018.  

If you paid any part of your now cancelled trip with your credit or debit card or PayPal you may also need to contact your payment provider about obtaining a refund. For any non-refundable costs, please contact the travel insurance claims team on 01603 605 125. Claims helpline open 24 hours a day, 7 days a week.




I’d like to make a claim



I’m looking to buy travel insurance for a future trip



I booked my trip with a first direct credit card. What rights do I have under Section 75 of the Consumer Credit Act?