What is the difference between Europe 1 and Europe 2?

The below categories are not policy-accurate. They have been created to give travellers a general idea of which geographical area might apply to their destination.

You will need to check the Policy Wordings or speak to a member of our contact centre for exact groupings for each underwriter.

EUROPE 1 is used to define most of Europe, and tends to include:

Albania, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Corsica, Croatia, Czech Republic, Denmark (including Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Holland / Netherlands, Hungary, Italy, Latvia, Lithuania, Luxembourg, Moldova, Monaco, Montenegro, Poland, Portugal (including Azores), Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Vatican City.

EUROPE 2 includes all of those countries listed in Europe 1, as well as countries such as the following:

Balearic Islands, Canary Islands, Cyprus, Greece, Greek Islands, Iceland, Liechtenstein, Madeira, Malta, Norway, Russia (West of Urals), Spain, Switzerland, Turkey.

Please note that it is your responsibility to check the latest travel advice from the Foreign, Commonwealth and Development Office (FCDO) before you go. We cannot offer travel insurance to a country or area where the FCDO has advised against all, or all but essential, travel. 

Related FAQs

1. What do you mean by geographical area?
2. Do the Annual Multi-Trip policies cover UK travel?
3. Stay Safe Overseas: Be TravelAware with Direct Travel and the FCDO