Do I need to tell my insurer about travel plans?
Most UK life insurance policies cover you worldwide with no restrictions on travel. However, if you plan to live abroad for an extended period, travel to high-risk destinations, or work overseas in a dangerous environment, you should always check your policy terms and disclose this to your insurer.
High-risk countries and exclusions
Travel to countries with FCO warnings or active conflict zones may be excluded from your policy or require a premium loading. Examples of areas that may trigger exclusions include active war zones, countries under sanctions, or regions with extreme security risks.
What about living abroad (expats)?
UK life insurance policies can usually be maintained if you move abroad, but you must notify your insurer. Some policies may lapse or require amendment. If you're a UK national living overseas, specialist expat life insurance may be more appropriate.
What must I disclose?
- Plans to live or work abroad for more than 6 months
- Travel to high-risk or FCO-warned destinations
- Hazardous occupations abroad
- Any activities that may increase risk (e.g., security work, journalism in conflict zones)
Frequently Asked Questions
Yes — most standard UK life insurance policies cover you worldwide for holidays and short trips. Extended stays or high-risk destinations may have exclusions.
You should notify your insurer. Many policies can be maintained, but terms vary. Specialist expat policies may be more suitable for long-term overseas residents.