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What top 5 tips should we follow in Brexit uncertainty?

Paul McClorry, Head of Travel Litigation shares his Top 5 tips as a result of the uncertainties of Brexit:

1)   Take out travel insurance as soon as possible

2)   Make sure the travel insurance policy is bespoke to you and your needs

3)   Book a package holiday

4)   Make sure there is ATOL Protection on your holiday

5)   Pay for your holiday by credit card

Take out travel insurance as soon as possible

Definitely take out travel insurance – it will give you peace of mind, as you’ll potentially have more cover if things go ‘wrong’.

It’s also useful to take the insurance out at a similar time to booking the holiday. From a legal perspective, my best advice to anyone thinking of going on holiday next Summer, is to take out a travel insurance policy as soon as possible. Your insurance policy might cover you all year round until the time of your holiday, which means you could be covered for a number of different situations – for example if you’re ill before your holiday and have to cancel it.

Make sure the travel insurance is bespoke to you and your needs

It’s definitely worth taking out a cheaper policy than none at all, however, we do advise that you go a step further and opt for a bespoke policy if you can afford to. As this will ensure your policy is bespoke to you and your needs as an individual. Many people tend to get reeled in by the cheap travel insurance deals – but think to yourself, what do I need cover for? Is this policy going to be suitable for me and my family?

Book a package holiday

Over the last decade or so, we’ve seen a significant rise in people booking holidays that aren’t package holidays – people tend to be shopping around more booking flights/ hotels/ transfers separately, in order to cut down cost. However, we are advising consumers to rethink this strategy, and consider booking holidays as a package deal. It’s important to understand the difficulty you may run into if something were to go wrong, and you’ve booked each component separately.

For example, if you’ve paid £200 for your flights with a particular airline, and paid £500 with a separate hotel provider – if your flight was cancelled, you may or may not get your £200 back from that airline (as it depends on your policy if the airline refunds you). However, there is no guarantee that you’ll get your refund on the hotel too, as this is a separate and standalone contract. Again, this may or may not be covered on your insurance policy, but you’re not going to get it back from the hotel provider regardless.

If you choose to book a package holiday, with a reputable tour operator, if one part goes wrong, all components are likely to be covered. The law in this area changed only this summer and the new Package Travel Directive is an even more powerful piece of pro-consumer legislation. The importance of booking a genuine package holiday cannot be underestimated, and again this is even more relevant in light of Brexit and its uncertainties

Make sure there is ATOL Protection on your holiday

ATOL protection is extremely important, and goes hand-in-hand with booking a package holiday. For example, if an airline stops trading, there is a back up fund which acts as a ‘safety net’; it ensures that you can return home if you’re stranded abroad and that your money is safe.

Pay for your holiday by credit card

Don’t lose sight of booking your package, ATOL protected holiday, by credit card. If your holiday is over the value of £100, and something were to go wrong – under the Consumer Credit Act, the credit card company provides another avenue for financial redress, providing even more financial protection if things go wrong.

Making a Holiday Accident Claim

If you have been injured on holiday as a result of an accident that was not your fault, you could be entitled to claim compensation. Whether you were injured in a car accident, a fall at your hotel or as a result of the negligence of someone else you should seek legal advice on your situation.

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