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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 fairly you prevented. 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 numerous nations have turn into extra FCO-friendly is current years.
“As a basic rule of thumb, a typical insurance coverage coverage will turn into totally invalid the second you set a fingernail into an FCO purple zone – even for those who take it out right away. How they show it’s one other matter, however that’s the foundations.
“Nonetheless, we have now a specialist, Journey and Common, that gives bespoke insurance coverage so we will 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 time in a no-go zone, and Elite – that’s for holidays to Afghanistan and suchlike.
“When it comes to worth: if the shoppers are below 65, it’s nonetheless fairly affordable. It then roughly doubles (as most insurance policies do) for over 65s, and doubles once more for over 75s.”