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Our distinctive Coutts Debit and Silk Cards come with a package of carefully selected benefits which reflect the lifestyle of our clients.
- Designed for a world without borders, our Debit Card features multi-currency capability, allowing you to connect your Debit Card to any of your eligible currency accounts.
- Available as a Charge Card or Credit Card, our Silk Card comes with access to Coutts Concierge – a service that combines the best of digital and expert services in dining, tickets and travel. Silk Cards can also be tailored to meet the needs of you and your family – additional cardholders can be added to your account with the ability to customise spend and benefits on additional cards.
coutts travel protection
Updated 8 April 2022
The government has removed the remaining Covid-19 domestic restrictions in England. Covid-19 restrictions for foreign travel to and from the UK have also changed. It’s important to check the Foreign, Commonwealth and Development Office (FCDO) website before you leave as other countries still have some restrictions in place. FCDO rules must be followed to ensure Coutts Travel Protection is valid.
ALLIANZ (OUR INSURER)
Allianz will follow the FCDO advice on deciding whether a claim is valid or not. There are three levels of FCDO advice in place:
- no advice against travel
- advice against all but essential travel; and
- advice against all travel
Cover is valid when there is no FCDO advice against travel. Consideration will be given for 'Essential Travel' so long as evidence can be provided in the event of a claim to support that the nature of the trip made travel essential. There is no cover provided for travel to any destination the FCDO have advised against all travel to, regardless of the reason for the trip.
SUMMARY
In terms of the country specific restrictions, the onus is on the person travelling to determine what restrictions/rules they need to follow. This doesn't remove the need to follow the FCDO advice on which countries you can travel to. Travelling to a country the FCDO have advised against will void the travel insurance policy.
COVID-19 continues to impact travel and whilst it’s impossible to provide assistance for every scenario, we are continuing to update our guidance based on the most recent type of questions that have been asked by our clients.
If you’re looking to make a claim for a trip booked before 11 March 2020:
- you should try and claim from your travel provider in the first instance (if they offer you a voucher, you may have a right to decline this and continue to insist on a refund instead)
- if your travel provider does not give you a refund and you paid for your trip on a debit, credit or charge card, you can try and claim a full cash refund from your card issuer within 120 days of the trip start date
- if you’re unable to obtain a refund from your card issuer, you may be able to make a claim on your Coutts Travel Protection.
If you’re looking to make a claim on your Coutts Travel Protection, you should read our guidance below and be aware of the following key points:
- as COVID-19 was declared a global pandemic by the World Health Organization on 11 March 2020, if you booked your trip and held Coutts Travel Protection by 11 March 2020, then claims related to COVID-19 will be considered if you’re unable to recover your cancellation costs from your travel provider or card issuer
- if you booked a trip and took out Coutts Travel Protection after 11 March 2020, you will not be covered for claims relating to COVID-19 travel restrictions
- like most travel insurance policies, there’s no cover on the policy if you’re allowed to travel but you decide you don’t want to (this is known as disinclination to travel)
- all claims made on your policy, including those that aren’t related to the pandemic, will be reviewed in line with the terms and conditions of your Coutts Travel Protection policy, on a case by case basis.
This guidance covers Coutts Travel Protection beneficiaries who:
- had a trip booked before 11 March 2020; or
- book a new trip.
If you paid for your trip using your Coutts debit, credit or charge card, and have been unable to claim a refund from your travel provider, please contact Coutts 24 via coutts24@coutts.com with details of your trip (please ensure you don’t include any sensitive information) and they’ll be in touch. Alternatively, please call them on 020 7309 0045.
If you need to make a claim on your Coutts Travel Protection, or have any questions that aren’t answered in our guidance and your trip is due to take place within the next month, then please:
- call Allianz Assistance direct on 020 7126 7531 (please note call waiting times are longer than usual); or
- email coutts.claims@allianz-assistance.co.uk with your name and date of outward travel in the subject line and Allianz Assistance will respond as soon as they can.
If your trip’s not due to take place within the next four weeks, then please delay contacting Allianz Assistance until the month before your trip.
How can I keep up to date with advice about COVID-19 and my travel cover?
It’s important that you keep up to date with advice provided regarding COVID-19 and for general travel to ensure you can act in accordance with this advice and remain insured. You should therefore monitor official updates regarding Coronavirus at the following sources:
- Foreign Commonwealth and Development Office: www.gov.uk/foreign-travel-advice
- World Health Organization: www.who.int/emergencies/diseases/novel-coronavirus-2019
Information correct as at 14/12/2020
Important information
Coutts Travel Protection is underwritten by AWP P&C SA and administered in the UK by Allianz Assistance except section A24 which is underwritten by Liberty Mutual Insurance Europe SE and administered by International Passenger Protection Limited.
Provides peace of mind with cover for emergency medical expenses, cancellations
With no upper age limit,
- Protection for up to 93 days on trips abroad and up to 28 days’ winter sports cover
- Unlimited medical expenses cover
- Cancellation and curtailment up to the value of £15,000
- Baggage loss to the value of £10,000, with a single article limit of £1,000
Coutts Travel Protection includes Travel and Loss Damage Waiver Insurance. Sections A1-A23 of this travel insurance are underwritten by AWP P&C SA and Section A24 of this travel insurance is underwritten by Liberty Mutual Insurance Europe SE. The Loss Damage Waiver Insurance is underwritten by AWP P&C SA.
Important
If after calling the insurer, cover for your pre-existing medical condition is declined or you're unhappy with the cost of the additional premium, you may wish to look at an alternative provider. To assist you the FCA has arranged a Directory of Insurance Underwriters who may be able to meet your needs. For further information call 0800 138 7777 (Monday to Friday, 8am to 6pm) or visit the Directory Website.
Coutts Travel Protection Insurance Guide
To register a claim in the first instance, you can call 020 7126 7531
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Loss Damage Waiver, for when you hire a car, is available to clients aged 21-84 and will provide cover for (subject to full policy terms and conditions):
- Excess insurance on car rentals for up to 31 days
- Includes losses up to the value of £55,000 as a result of damage by fire, vandalism, theft or loss of use of the rental vehicle
Coutts Travel Protection includes Travel and Loss Damage Waiver Insurance. Sections A1-A23 of this travel insurance are underwritten by AWP P&C SA and Section A24 of this travel insurance is underwritten by Liberty Mutual Insurance Europe SE. The Loss Damage Waiver Insurance is underwritten by AWP P&C SA.
Coutts Travel Protection insurance guide
To register a claim in the first instance, you can call 020 7126 7531
You can apply online if you are registered for Coutts Online. Alternatively, complete the application form below and return to your banker.
Prior to making an application, please ensure you have read through the Insurance Product Information Document below for a basic summary of the policy cover and main exclusions. For the full Terms and Conditions of the policy, please read through the Insurance Guide below.
Important
If after calling the insurer, cover for your pre-existing medical condition is declined or you're unhappy with the cost of the additional premium, you may wish to look at an alternative provider. To assist you the FCA has arranged a Directory of Insurance Underwriters who may be able to meet your needs. For further information call 0800 138 7777 (Monday to Friday, 8am to 6pm) or visit the Directory Website.
Coutts Travel Protection includes Travel and Loss Damage Waiver Insurance. Sections A1-A23 of this travel insurance are underwritten by AWP P&C SA and Section A24 of this travel insurance is underwritten by Liberty Mutual Insurance Europe SE. The Loss Damage Waiver Insurance is underwritten by AWP P&C SA.
Coutts Travel Protection Insurance Product and Information Document
Coutts Travel Protection insurance guide
Coutts Travel Protection application form
To register a claim in the first instance, you can call 020 7126 7531
We know our clients like to travel and that you may have some questions about travelling after 31 December 2020.
When you become a client of Coutts, you'll be part of an exclusive network