If you have a travel insurance policy, this usually covers medical expenses while travelling as well as cancellation, curtailment and/or rearrangement costs for travellers.
It's really important to note that most travel insurance providers will not provide cover for any trips booked to the specific areas mentioned in the FCO travel advice if they were booked after the guidance was published. With some insurers, even if the trip was booked ahead of the guidance being published, the insurer will pay for cancellation costs but will not cover you if you still decide to go on the trip.
We would advise that you should check most up to date travel advice (see the link above), and your travel policy wording to be clear on the cover before travelling or booking any new trips.
This is one of the most popular policies we can arrange for our commercial clients. Not only does it provide cover for you and any employees you might have when travelling for business purposes, but it also covers Director's personal leisure trips, extending to include their families.
According to health experts, coronaviruses are common in animal species, and most don’t affect humans. As of now, only seven different coronaviruses are known to infect humans. In their lifetime, most people will be infected with at least one common human coronavirus.
The most common cases of coronavirus typically occur in autumn and winter, but can happen at any time throughout the year. Unfortunately, there is not a vaccine that can protect you from human coronavirus infection. However, because human coronavirus is believed to be spread through person-to-person contact, the NHS recommends the following prevention strategies:
Common coronaviruses typically cause mild to moderate upper-respiratory tract illness, and those affected exhibit flu-like symptoms. The most common symptoms include:
Some cases of coronavirus can be more severe, and individuals experience more serious lower-respiratory tract illnesses like bronchitis and pneumonia. For the elderly, infants and those with weakened immune systems, coronavirus can be even more dangerous.
If you’re exhibiting coronavirus symptoms, you should stay indoors and contact NHS 111 immediately, especially if you’re experiencing symptoms and have travelled to countries where outbreaks have been reported. Do not go to a GP surgery, pharmacy or hospital. The NHS will likely conduct a lab test to detect coronavirus.
McGrady Insurance provide business and commercial insurance policies for a broad range of businesses. Get in touch with our commercial team to discuss your needs.
• McGrady Insurance Downpatrick: 028 4461 5933
*McGrady Insurance are members of the ABL Group of companies in Northern Ireland.
*Digney Grant are members of the ABL Group of companies in Northern Ireland.