Wednesday 7 December 2016

The 60-second guide to... getting travel cover for Euro2016

Published 05/06/2016 | 02:30

Good travel insurance is essential for those travelling to the Euros
Good travel insurance is essential for those travelling to the Euros

Fears of a terrorist attack - together with the prospect of further French air traffic control and rail strikes over the summer - are weighing heavily on the minds of many Euro 2016 fans. Having good travel insurance can limit the impact on your pocket should the worst happen. Here's how to choose one.

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- Some travel insurers don't offer any cover for strike action so check the small print of the policy before you buy - or ask the insurer if it covers this risk.

- Even if your standard travel insurance policy covers strikes, check what it pays out for. You may only get a few hundred euro should a strike delay your travel plans or be the reason you miss a connecting flight. So you might not be covered for any of the costs incurred when making new travel arrangements. Consider an add-on known as travel disruption insurance as this will cover you for more of the costs incurred (up to a certain limit) when making new travel arrangements as a result of strikes. The cover may extend to terrorism. Only some insurers sell travel disruption cover. Check that it covers strikes and terrorism before buying.

- Should you be injured during a terrorist attack while abroad, standard travel insurance policies will typically cover medical and repatriation expenses (up to a limit). Should your holiday or flight be cancelled because of a terrorist attack however, you will usually not be covered for any losses incurred as a result - though you may be able to get a refund from your airline or tour operator.

- Some standard policies cover travel disruption arising from terrorism should the Government issue advice not to travel to a particular area shortly before you leave. With multitrip.com for example, disruptions are covered if the advice is issued within 14 days of your planned departure.

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