UK consumers with medical conditions who find it difficult to obtain travel insurance will be directed to a directory of firms prepared to provide cover under rules to take effect this year.

The Financial Conduct Authority (FCA) says the Money and Pensions Service (MaPS) is expected to have a directory available by the British summer, and other organisations will be able to develop similar directories.

People with a premium loading of £100 ($194) due to medical conditions would be among those assisted by the arrangements, which retail travel insurance providers should have in place by November 5, the FCA says.

The Association of British Insurers says most consumers can obtain travel insurance, including those with pre-existing conditions.

“While we welcome the FCA’s changes to strengthen the current signposting measures, the £100 premium loading trigger must be carefully and thoroughly worked through to ensure that it delivers real customer benefits and makes the buying process as smooth as possible,” Director of Regulation Hugh Savill said.

The British Insurance Brokers Association (BIBA) says existing signposting it offers for age and insurance have helped many thousands of people.

“BIBA has been in discussions with the FCA about the development of our successful Find-Insurance Services,” Executive Director Graeme Trudgill said. “We are ready to make the changes required and will be looking to apply to be listed as a medical cover firm directory.”