Spacedog
lift the lockdown, forget 14 days quarantine get the planes moving. Let the public decide if they want to travel they are educated and can absorb the information available, making a balanced decision by themselves. If you think the risk is too great stay at home, nobody is forcing you to travel.
Spot on now lets put into categories who is likely or not likely to travel
lets take summer holiday to Spain Greece etc
18-30 year olds ie club 18-30 if still going, I say are 99% most likely will still travel and most likely are safe to do so, if all the bars/clubs are open, pools beach etc these would most likely take the risk along with stag/hen parties. are these people going to have insurance? probably but mainly for loss of i-phone or a boozed up accident, broken bone etc. so there insurance will cover there needs.
Family 2 adults, 2 kids etc again most likely will travel again majority of parents will be early 20/s to late 40's again not at risk (unless pre health problems) and children we have been told are the least at risk more chance kids catching it at school or with friends than being on holiday, again insurance will be more for lost phones/ipads games etc
Older generation and people with pre existing health conditions are going to be at risk and should be sensible enough not to travel anyway, insurance would be required and you be a fool to travel without it, but any insurance would be sky high in this category
now I don't have the information on % of each age group that travels but if we did it even on a three way split that's 66% flight full (or 99% on easyjet minus middle seat)
European Flights not bucket and spade destinations
Students either going home on holiday or back to place of study (if open) again very low risk are they going to have insurance if going home to parents likely not
Families returning home or travel home to stay with family again low risk
Business traveler going on a day return flight do you need quarantine? whats the difference between going from Manchester to London via train then getting taxi or tube to your head office for a meeting to return home again at night, and Manchester to Frankfurt meeting with client return home on evening flight,?
Insurance will most likely be annual and most will be still valid pre covid-19 and employer most likely pay the cost again, most business travelers will be low risk with the exception of those still going nearer to retirement age and anyone with pre health conditions again
Also remember we are the worst affected Country exc USA so would you feel safer around the pool in Spain or in ASDA
Protect the people that need protection and let the rest return to normal life,