Please note that if your trip is cancelled due to the introduction of travel restrictions by the FCDO due to COVID-19, then your travel provider should provide you with the option of a refund and you would not be obliged to accept a credit or voucher for future travel.
If your trip is deferred, then for annual multi-trip policies, we would agree to cover the deferred trip on the basis of the original booking as long as the destination and trip duration remains the same. Under our policies cancellation cover effects from the time of booking the trip, which will remain the original date, and all other sections come into effect once you leave or home or place of business to commence the trip.