Why do I need travel disruption insurance for my holiday?

When you’re off on your holiday the last thing you want to think about is unexpected incidents disrupting your stay. Travel disruption insurance covers emergency incidents where it’s not safe for you to travel, or where you’re stuck on holiday, due to natural disasters or terrorism incidents.

With our optional travel disruption add-on, you can travel with peace of mind, knowing that if the worst does happen when you’re meant to be relaxing, you’re properly protected by the nation’s Most Trusted Travel Insurance provider.*

Things can go wrong when we’re away more often than we’d like to think, with 1 in 20 people claiming on their travel insurance in 2017.**

With our optional travel disruption extension, available with both our Basic and Comprehensive policies, you can travel with that extra peace of mind, knowing that if something were to disrupt the ease of your holiday, you’re properly covered for it.

It’s always better to be safe than sorry.

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What is covered by the travel disruption extension?

Please do remember that the following will only apply if you have upgraded your policy for an additional premium by choosing the Travel Disruption add-on.


Cover Limits of Basic cover Limits of Comprehensive cover
Extended cancellation or cutting your holiday short £500 (optional £1,000/£3,000) £5,000
Extended Travel Delay and Enforced Stay Up to £1,000 Up to £1,000
Additional overseas accommodation and repatriation cover £1,000 £1,000
Excess Up to £85 Up to £65

What is extended cancellation or cutting your holiday short cover?

If your trip was cut short or cancelled as a result of government advice, we’ll help cover unused travel and accommodation costs. We’ll pay you up to a maximum of £500 (unless upgraded) for Basic cover or £5,000 for Comprehensive cover per insured person.

What is extended travel delay and enforced stay cover?

If your departure is delayed for any reason for more than 12 hours (at any departure point connecting the UK to your overseas destination), or on your return journey, we will cover either:

£20 for the first completed 12 hours delay and £10 for each full 12 hours delay after that, up to a maximum of £100 provided you eventually continue the trip.

Up to £1,000 for any irrecoverable unused accommodation and travel costs (and other pre-paid charges) which you have paid or are contracted to pay because you were not able to travel and use your booked accommodation because the scheduled public transport on which you were booked to travel from the UK is cancelled or delayed for more than 24 hours, as long as you still go on the remainder of the trip.

Up to £1,000 for additional accommodation (room only) and the necessary travel expenses used to reach your overseas destination. Or returning to the UK because of public transport being cancelled, delayed for more than 24 hours or diverted/redirected after take off.

What is additional overseas accommodation and repatriation cover?

If any of the following affect your accommodation or the resort you’re staying at:

    • Terrorist event
    • Fire
    • Flood
    • Earthquake
    • Explosion
    • Tsunami
    • Landslide
    • Avalanche
    • Volcanic eruption
    • Snow
    • Hurricane
    • Storm
    • Outbreak of food poisoning or an infectious disease

We will then pay up to £1,000 for either:

  • Any irrecoverable unused accommodation costs and other pre-paid charges which you have paid or are contracted to pay because you were not able to travel and use your booked accommodation


  • Additional accommodation (room only) and travel expenses necessarily incurred up to the standard of your original booking, if you need to move to other accommodation on arrival or at any other time during the trip because you cannot use your booked accommodation. Or with our authorisation we will repatriate you home because it is necessary to cut your holiday short.

Get your travel insurance that covers travel disruption today

Talk to us today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.

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*Moneywise Customer Service Awards 2017 & 2018, based on the biggest survey of financial consumers in Britain.

**Based on 5.04% of Annual Travel Insurance policy holders claiming in 2017.