I am due to pay the balance on my holiday shortly. My trip destination is currently an area where the FCO are advising against all but essential travel. Will I be covered if I pay the balance and then I am unable to travel due to FCO advice in the future

You will need to follow your contractual obligations with your travel agent/tour operator. If you were to refuse to pay the balance of your holiday without the travel agent or tour operator cancelling the holiday it could be considered disinclination to travel and there would be no cover under your travel insurance policy. Which would mean that you wouldn’t be able to claim for your loss of deposit already paid.

If the trip hasn’t been cancelled, the travel agent/tour operator will in all likelihood be expecting you to pay over the balance of the holiday that you had committed to, but they in turn should provide you with protection of both your deposit and balance paid.

In the event that you pay over the balance of the holiday and the trip is then cancelled it will be for the travel agent/tour operator to reimburse you or offer an alternative at that point. Failing that you may have protection through ABTA if they are a member, or through your credit or debit card providers, all of which should respond before travel insurance.

This information relates to Direct Travel branded products only underwritten by Chaucer Insurance Company DAC.  If you have a query regarding any other branded products please refer to the Policy Wording for full terms and conditions.