Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 13.03.2020, 14:22
eng_ch's Avatar
Forum Veteran
 
Join Date: Nov 2005
Location: Up where the air is clear
Posts: 1,751
Groaned at 4 Times in 4 Posts
Thanked 1,774 Times in 895 Posts
eng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond repute
Travel insurance - Coronavirus-related

I know the ultimate answer is call the insurance company but forewarned is forearmed...


We booked our ferry from Ancona to Greece in the 2nd half of April back in November 2019. I fully expect Italy's lockdown to continue through April, and Greece has also shut schools and reduced transport. Eastern European countries are also locking down. We have annual travel insurance with Allianz, a policy we've held for several years, which is not the same as the ones they are currently selling. The T&Cs for the current policies exclude cover for epidemics and pandemics, but presumably government guidelines will soon advise against travel to or through Italy (if they don't already, and if it were even possible with the lockdown).... What chance we'll be covered for our ferry booking? Or do I just have to write off over Fr 500 through no fault of my own?
Reply With Quote
  #2  
Old 13.03.2020, 14:27
AbFab's Avatar
Forum Legend
 
Join Date: Sep 2006
Location: Zürich
Posts: 8,333
Groaned at 353 Times in 241 Posts
Thanked 12,259 Times in 4,201 Posts
AbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond reputeAbFab has a reputation beyond repute
Re: Travel insurance - Coronavirus-related

Quote:
View Post
I know the ultimate answer is call the insurance company but forewarned is forearmed...


We booked our ferry from Ancona to Greece in the 2nd half of April back in November 2019. I fully expect Italy's lockdown to continue through April, and Greece has also shut schools and reduced transport. Eastern European countries are also locking down. We have annual travel insurance with Allianz, a policy we've held for several years, which is not the same as the ones they are currently selling. The T&Cs for the current policies exclude cover for epidemics and pandemics, but presumably government guidelines will soon advise against travel to or through Italy (if they don't already, and if it were even possible with the lockdown).... What chance we'll be covered for our ferry booking? Or do I just have to write off over Fr 500 through no fault of my own?
Yesterday I spoke to Zurich Relax. They advised that if my holiday was cancelled because of legal requirements, such as a hotel having to close due to potential infection by the virus, they would refund all costs.

Basically if you don‘t fancy due to a pandemic = tough.
If you can‘t go due to third parties or own illness = covered.

PS the Zurich contact was working from here „home office“...
Reply With Quote
This user would like to thank AbFab for this useful post:
  #3  
Old 13.03.2020, 14:34
eng_ch's Avatar
Forum Veteran
 
Join Date: Nov 2005
Location: Up where the air is clear
Posts: 1,751
Groaned at 4 Times in 4 Posts
Thanked 1,774 Times in 895 Posts
eng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond repute
Re: Travel insurance - Coronavirus-related

Quote:
View Post
If you can‘t go due to third parties or own illness = covered.

Yes, it's not "don't fancy" (I would need to change the booking for other reasons anyway, but would fully expect to pay for that); but this is a travel ban rather than just an epidemic at the destination. So does it count as epidemic? Or force majeure imposed by the authorities? Guess I'll have to phone
Reply With Quote
  #4  
Old 13.03.2020, 14:44
eng_ch's Avatar
Forum Veteran
 
Join Date: Nov 2005
Location: Up where the air is clear
Posts: 1,751
Groaned at 4 Times in 4 Posts
Thanked 1,774 Times in 895 Posts
eng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond reputeeng_ch has a reputation beyond repute
Re: Travel insurance - Coronavirus-related

To an extent, bugger - the EDA has said it's not going to issue any more country-specific advice because Coronavirus is global, and that includes Italy. Without EDA advice, insurers are not obliged to pay

https://www.tagblatt.ch/news-service...igt-ld.1202924
Reply With Quote
  #5  
Old 13.03.2020, 15:08
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Switzerland
Posts: 22,251
Groaned at 411 Times in 319 Posts
Thanked 17,270 Times in 9,699 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Travel insurance - Coronavirus-related

What about your credit card company if you paid for the trip with one? Does their insurance cover it?

And what if the borders are closed and you can't get out of Switzerland? Surely, you'd be able to claim a refund then.
Reply With Quote
  #6  
Old 13.03.2020, 15:12
Guest
 
Posts: n/a
Re: Travel insurance - Coronavirus-related

Quote:
View Post
To an extent, bugger - the EDA has said it's not going to issue any more country-specific advice because Coronavirus is global, and that includes Italy. Without EDA advice, insurers are not obliged to pay

https://www.tagblatt.ch/news-service...igt-ld.1202924
Yup. But if Greece does not allow you in, it is again a clear case to get money from the insurance for cancelling.
Reply With Quote
  #7  
Old 13.03.2020, 15:20
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Switzerland
Posts: 22,251
Groaned at 411 Times in 319 Posts
Thanked 17,270 Times in 9,699 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Travel insurance - Coronavirus-related

Austria closes border with Switzerland/Lichtenstein.

https://www.swissinfo.ch/eng/coronav...rland/45615144
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Coronavirus refunds [health insurance] bookduo Insurance 12 12.03.2020 09:04
Travel Insurance Frustration (not Corona virus related!!!) WelshishJem Insurance 8 10.03.2020 18:00
Travel Insurance (covered by Health Insurance?) alchoi01 Insurance 14 19.08.2012 15:24
Decuct Car travel to work (TAX RELATED) Olholm Finance/banking/taxation 3 28.07.2011 22:11
CASCO Insurance related questions TerminalServer Insurance 3 19.11.2010 04:43


All times are GMT +2. The time now is 06:49.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0