Can my travel insurance company change its terms amid coronavirus?

Simon Calder answers your questions on pandemic cover, cancelled holidays and why some airlines are still taking to the skies

The government has urged Britons to not take trips abroad (Getty)

Q My travel insurance company has just sent an addendum to my policy to say it was never intended to cover Covid-19 or any mutation, nor any Foreign Office advice not to travel. It’s an annual policy that is in its third year, and I most recently renewed in November 2019. Can the firm legally do this?

We were due to travel to Japan on 23 March but cancelled on 12 March as we were worrying about how things were developing. We thought we were being responsible by not travelling. Any advice, please?

Sue E