insurance

The FCDO has all the latest travel warnings listed online, advising against all travel to multiple countries

The Foreign, Commonwealth and Development Office (FCDO) provides regularly updated travel guidance for British nationals heading abroad. It’s vital to check the latest FCDO advice before your trip, as it could affect your holiday plans and travel insurance.

Choosing to travel against FCDO warnings can invalidate your travel insurance. You may also find that consular assistance is severely limited should you face an emergency. On its travel advice page, the government agency says: “No travel can be guaranteed safe. Read all the advice in this guide.”

To safeguard British nationals travelling overseas for work or pleasure, the FCDO provides up-to-date travel advice for every country worldwide. It’s essential to consult this guidance before every journey.

Should the FCDO consider a situation dangerous, it may advise against all travel or only non-essential travel to a particular country or specific regions within it. Alongside travel warnings, the FCDO provides useful information, including entry requirements, crime statistics, local laws and customs, and details regarding any forthcoming strikes or industrial action that could disrupt your holiday.

It’s important to be aware that if the FCDO issues a warning against all travel or all but essential travel to your chosen destination before your departure, your travel insurance is unlikely to provide cover. Consequently, any claims you make will in all probability be rejected.

Travel insurance is designed to safeguard you against unexpected and unforeseen risks. However, heading to a destination that the FCDO has declared dangerous carries a considerably greater risk than jetting off to a generally regarded safe country.

Should the FCDO issue a warning while you are already in an affected region, you will remain covered under the medical and personal accident sections of your travel insurance policy. However, this is provided you comply with the latest FCDO guidance for British nationals in that area.

While most travel insurance policies do not cover trips taken against official advice, there are a handful of exceptions. These particular policies were originally designed to protect individuals travelling to high-risk areas for professional reasons, such as journalists and aid workers. But, they are increasingly being taken up by leisure travellers keen to press ahead with their plans during the COVID-19 pandemic.

Political instability, natural disasters, and safety concerns are among the factors that can prompt an FCDO warning. The FCDO has issued numerous travel advisories, advising against “all travel” and “all but essential travel” to certain nations or regions across Europe, Africa, Asia, and South America.

Of the 226 countries featured on the FCDO’s travel advice page, certain destinations are currently marked as ‘do not travel’ zones owing to various concerns that ‘can not guarantee safety’, including security threats, health risks, and legal differences from Britain. Your travel insurance may be rendered invalid if you travel contrary to FCDO guidance concerning the following nations, as of April 2026.

Afghanistan

The FCDO advises against all travel to Afghanistan, saying: “Your travel insurance could be invalidated if you travel against advice from the FCDO.” The government agency says the security situation is volatile and tensions between Afghanistan and Pakistan have previously resulted in violent clashes in border regions.

It adds: “Travel throughout Afghanistan is extremely dangerous and a number of border crossings are not currently open. There is a heightened risk of British nationals being detained in Afghanistan. If you are a British national and you are detained in Afghanistan, you could face months or years of imprisonment. FCDO’s ability to help you is extremely limited and support in person is not possible in Afghanistan. For more details about the risks in Afghanistan, see Safety and security.”

Belarus

FCDO advises against all travel to Belarus. You face a significant risk of arrest if you have at any time engaged in any activity now considered illegal by the Belarusian regime. There is also a low risk that direct conflict linked to the war in Ukraine may spread to Belarus. Find out more about why FCDO advises against all travel.

Burkina Faso

FCDO advises against all travel to Burkina Faso. This is due to the threat of terrorist attacks and terrorist kidnappings, and the unstable political situation in the country.

It explains: “There is no British Embassy in Burkina Faso and all consular support is provided from the British Embassy in Accra, Ghana. They cannot provide in-person assistance. If there is serious violence, unrest or a deterioration in the security situation, it could be difficult to leave safely.

“Do not rely on the British government to evacuate you as they may not be able to do so. Have your own plans on how you would leave the country, make sure you keep all travel documentation up to date and monitor the local situation.”

Haiti

The FCDO advises against all travel to Haiti owing to the unstable security situation. There are presently no British consular officials in Haiti and the capacity to provide consular assistance is severely restricted and cannot be delivered in person in Haiti. British nationals may receive consular services assistance at our diplomatic mission in the Dominican Republic.

The government agency says: “If you choose to travel to or stay in Haiti against FCDO advice, try to avoid all crowds and public events, and take appropriate security precautions.”

Iran

FCDO advises against all travel to Iran. It says: “If you are a British national already in Iran, either resident or visitor, carefully consider your presence there and the risks you take by staying. British and British-Iranian dual nationals are at significant risk of arrest, questioning or detention.

“Having a British passport or connections to the UK can be reason enough for the Iranian authorities to detain you.” British nationals should:

• read if you’re affected by a crisis abroad. This includes guidance on ‘how to prepare for a crisis’ with suggestions on what you might include in your emergency supplies and ‘what to do in a crisis’
• sign up to FCDO Travel Advice email alerts
• monitor local and international media for the latest information
• stay away from areas around security or military facilities
• keep your departure plans under review, and ensure your travel documents are up to date
• if you are advised to take shelter, stay indoors or find the nearest safe building or designated shelter. An interior stairwell or a room with as few external walls or windows as possible may provide additional protection

Mali

FCDO advises against all travel to the whole of Mali due to the unpredictable security conditions. The FCDO says if you’re in Mali, you should leave immediately by commercial flight if you judge it safe to do so.

It explains: “The international airport in Bamako is open, and commercial flights are available. Do not try to leave Mali by overland routes to neighbouring countries, as this is too dangerous. This is due to terrorist attacks along national highways. Terrorist group Jama’a Nusrat ul-Islam wa al-Muslimin (JNIM) has implemented blockades on key routes throughout Southern and Western Mali, including the capital city of Bamako.

“These blockades are targeting fuel trucks and are enforcing checkpoints for individuals attempting to pass through them. Attacks can occur at any time. There is a high threat of kidnapping and criminal activity across Mali, including in the capital, Bamako. If you choose to remain in Mali, you do so at your own risk. You should have a personal emergency plan that does not rely on the UK government. If you are a British national already in Mali, either resident or visitor, carefully consider your presence there and the risks you take by staying.”

Niger

FCDO advises against all travel to Niger. This is due to the rise of reported terrorist and criminal kidnappings of foreign nationals, which have taken place this year in Niger.

There is an ongoing risk of terrorist attacks throughout Niger, including in the capital, Niamey. The political situation remains unstable following the July 2023 military coup. Further instability is possible.

Russia

FCDO advises against all travel to Russia due to the risks and threats from its continuing invasion of Ukraine, including:

• security incidents, such as drone attacks, and Russian air defence activity
• lack of flights to return to the UK
• limited ability for the UK government to provide support

There is an increased risk of British nationals being detained in Russia, including if the Russian authorities suspect you of engaging in or supporting activities against Russian law, even if the activities took place outside Russia.

Russia has a track record of targeting foreign nationals and holding them in detention as leverage over other countries. FCDO’s ability to assist you in these circumstances is extremely limited. There is also a high likelihood that terrorists will try to carry out attacks, including in major cities

South Sudan

The FCDO strongly advises against all travel to South Sudan owing to the threat of armed violence and criminal activity. The political and security situation remains unpredictable. Political tensions are high, and the security situation across the country could deteriorate rapidly and unpredictably.

If the unstable security situation deteriorates, routes into and out of South Sudan may be blocked. Juba airport may close or be inaccessible. Flights may be cancelled at short notice. Regional developments may also affect international transport. For example, in 2019 and 2023, events in Sudan caused South Sudan’s airspace to close temporarily. Consular assistance to British nationals is severely limited in South Sudan. In-person consular assistance is not available.

Syria

FCDO advises against all travel to Syria due to unpredictable security conditions and the threat of terrorist attacks. Regional escalation poses significant security risks and has led to travel disruption. British nationals should:

• read If you’re affected by a crisis abroad. This includes guidance on “how to prepare for a crisis” with suggestions on what you might include in your emergency supplies and “what to do in a crisis”
• follow advice from the local authorities and sign up to receive information and alerts
• sign up to FCDO Travel Advice email alerts
• monitor local and international media for the latest information
• stay away from areas around security or military facilities
• keep your departure plans under review, and ensure your travel documents are up to date
• if you are advised to take shelter, stay indoors or find the nearest safe building or designated shelter. An interior stairwell or a room with as few external walls or windows as possible may provide additional protection

Yemen

FCDO advises against all travel to the whole of Yemen due to the unpredictable security conditions. If you’re in Yemen, you should leave immediately.

It says: “Support for British people is severely limited in Yemen. British Embassy services in Sana’a are suspended, and all diplomatic and consular staff have been withdrawn. The UK government cannot help British nationals leaving Yemen. There are no evacuation procedures in place.

“FCDO cannot offer advice on the safety of travelling to any potential departure point. The UK government’s ability to help with onward travel is severely limited and you’ll be expected to cover the cost of visas, accommodation, insurance and onward travel yourself. If you choose to remain in Yemen, you should minimise movement around the country and within cities and towns, monitor developments in the local security situation and follow other precautions in this travel advice.”

If you’re a British national in Yemen and need help from the UK government, you can call FCDO on 020 7008 5000 (24 hours).

VAN NUYS — It was a showdown between quake-weary homeowners and the insurance companies they are still battling six months later.

More than 300 people turned out for the confrontation Wednesday night, filling an auditorium at Birmingham High School in Van Nuys for a hearing presided over by state Sen. Art Torres (D-Los Angeles), chairman of the Senate insurance committee and the Democratic nominee for insurance commissioner in the November election.

Besides disgruntled victims of the Northridge quake, the speakers included representatives of State Farm, the state’s largest carrier with 20% of the homeowners market, and No. 3 Farmers Insurance Group.

Nettie Hoge, head of consumer services for the California Department of Insurance, also participated in the often heated town hall meeting that Torres conducted as an official hearing of the insurance committee.

Hoge told the crowd that state Insurance Commissioner John Garamendi had persuaded Woodland Hills-based 20th Century Insurance Co. to restore homeowners coverage to about 14 of its customers whose policies the company recently canceled.

20th Century received so many quake claims that the state insurance department granted the company special permission to get out of the homeowners coverage business. One of the conditions, however, was that the company offer its customers two more annual renewals. Some of its policyholders have complained recently that the company was seizing on technical excuses to refuse immediately to renew their policies.

Many people in the audience brandished signs such as “Boycott 20th Century” and “20th Century, What Did You Do With Our Premiums?”

Torres said 20th Century was invited to send a speaker to the meeting, but declined. However, when Torres asked if anyone from 20th Century was in the audience, two people raised their hands. Rick Dinon, a senior vice president, said the executives were there because they hoped to “correct some misinterpretations of the company’s actions, motives and finances.”

“It hurts,” Dinon said of the homemade signs criticizing the company. “We hope we have the respect of our customers and we most assuredly respect them.

“It hurts a lot to be placed in an adversarial relationship with our customers. It is disappointing we can’t continue to offer them the kind of protection we have in the past.”

When an earthquake hits, “much of the suffering is from the reprehensible conduct of the insurance industry adjusting the earthquake loss,” said George Kehrer, executive director of Community Assistance Recovery, or CARE, a Northridge-based consumer group he said represents more than 5,000 property owners.

“Adjusters swarm into the state like killer bees,” Kehrer said, drawing a standing ovation.

Torres told the group that many of the complaints he has received have come from people who fear their company will abandon them. But he noted that Garamendi is proposing a statewide insurance industry pool as well as supporting proposals for national disaster insurance.

“It’s hard to be patient,” he said. “People in northern California are still dealing with insurance companies from the Loma Prieta quake” in October, 1989.

Bill Gausewitz, of Farmer’s Insurance, said his company had resolved 27,241 quake-related claims, about 90% of those it had received. Of those, 7,877 were dismissed without payment and the others received compensation, he said.

Torres asked Gausewitz if Farmers had received complaints that it refused to pay the true cost of earthquake repairs.

“Not that I know of,” Gausewitz replied, drawing hoots and jeers from the audience.

Hoge said the insurance department has received complaints of low payments by virtually all insurance companies hit by Northridge quake claims.

Torres, whose committee is wrestling with many quake-caused problems, including a growing homeowners coverage crisis, said he arranged the meeting to give angry quake victims a chance to air their grievances.

Disillusioned policyholders have inundated his Los Angeles and Sacramento offices with complaints, he said, ranging from switching adjusters in the middle of the claims process to “low-ball” offers to settle to delays receiving payoff checks. Some accused their insurance carriers of breaking promises or lying to avoid paying claims.