Holiday insurance- Cant claim despite fco advising not to go!

Nebulous2

It's a pity you didn't renew. You'd then have been able to advance a claim. MSE reported some time ago that a lot of insurers had agreed to continue cover for people who renewed.

silvercar

CPatts2010 said:

Sigh....I hope someone may be able to help.  Sailient points and kind answers please:

>  Booked flight with Ryanair in October 2019 (no Covid-19)
>  Due to depart to Spain on 15th August, to 1st September, 2020
>  FCO Advice:  do not travel unless essential; quarantine for 14 days on arrival in UK
>  Cannot quarantine
>  Ryanair will not let us move flights, fee free as we booked before the pandemic (oddly if booked in the pandemic you can alter your flights fee free) - we stopped counting when the ammendment fees hit £600
>  We were insured up until 28th July, 2020; we were insured during the period of time that the FCO announced none essential travel should be avoided and the need to quarantine
>  Holiday Insurance has now expired as did not re-new given no insurance company covers against COVID related claims, in any event.  Virgin upped their annual policy premium (no loyalty discount there); and depending on the FCO advice I was going to shop around, if the advice changed.
> Insurance company saying NOT COVERED because the dates of our travel are outside the policy; which has now expired and we did not renew.  Have pointed out that the advice NOT to travel; at Government request; was while the policy was live and therefore should be covered; especially as when we took it out, COVID-19 was not on the horizon.....(think this was around July 2019)

I have logged a) complaint with Ryanair and b) complaint with Virgin 

Any advice would be greatly appreciated.......

Depending what part of Spain, I would consider travelling. If it is away from the corona hot spots, you could still have a very nice holiday. Take out insurance with one of the few that cover corona and enjoy the holiday.
Coming back on 1 September, the restrictions may have been lifted; if your home is reasonable spacious and you have a garden, quarantining for 2 weeks after a nice holiday won't be too much of a hardship.