A handful of hardy journey companies have been sending intrepid Britons to FCO no-go zones for years, Oliver Smith reviews.
Wild Frontiers, for instance, in enterprise since 2002, has the likes of Algeria, Pakistan, Sudan and the DRC on its route map, and the corporate’s journeys usually function areas the FCO would somewhat you averted. So how does it discover insurance coverage for its shoppers?
Jonny Bealby, the agency’s founder, explains:
“We’ve been working journeys that contravene FCO recommendation ever since we began – although not as a lot as we used to, as a number of international locations have turn out to be extra FCO-friendly is current years.
“As a basic rule of thumb, an ordinary insurance coverage coverage will turn out to be totally invalid the second you place a fingernail into an FCO crimson zone – even for those who take it out immediately. How they show it’s one other matter, however that’s the foundations.
“Nevertheless, we’ve a specialist, Journey and Basic, that gives bespoke insurance coverage so we are able to go to the riskier locations. Our insurance policies have three ranges: Customary – for when there’s no incursion into FCO dodgy bits, Improved – for when a visit spends a bit of time in a no-go zone, and Elite – that’s for holidays to Afghanistan and suchlike.
“By way of value: if the shoppers are beneath 65, it’s nonetheless fairly cheap. It then roughly doubles (as most insurance policies do) for over 65s, and doubles once more for over 75s.”
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