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

Or

  • 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.

If I have pre-paid my hotel accommodation and excursions as part of a package, can I claim these costs from you?

If the Foreign and Commonwealth Office (FCO) advises against travel to your trip destination before your trip begins, due to earthquake, fire, flood or a hurricane, then travel, accommodation and pre-paid excursions are covered under Cancellation for up to £5,000.

How do I claim?

To make a claim, please call our claims partner on 01403 288 410.

Will you compensate me if my flight is over booked and I cannot board?

If there are no other suitable alternative flights to be found within 24-hours and you choose to cancel your trip because the alternative transport is not reasonable, we will pay up to £1,000 for your losses under the Travel Disruption Extension cover option. This can be added to your standard policy for a small premium.

Am I covered if my plane is cancelled or delayed?

If the scheduled public transport on which you are booked to travel is cancelled or delayed, leading to your departure being delayed for more than 12 hours we will pay £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.

If you’re delayed for more than 24 hours or you are denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight or public transport could be provided within 24 hours and you choose to cancel your trip we will pay up to £1,000 for either irrecoverable unused accommodation and travel costs and other pre-paid charges or; additional accommodation and travel expenses necessarily incurred in reaching your overseas destination and/or in returning to the United Kingdom.

What happens if I miss my departure?

£500 is available for accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination or returning to the UK if you fail to arrive at the departure point in time to board any booked onward connecting public transport as a result of:

a) the failure of other scheduled public transport; or
b) strike or industrial action, adverse weather conditions or disruption due to a volcanic eruption;
c) you being involuntarily denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 24 hours.

What happens if the government says I can’t travel to my destination?

Cover will be provided if the Travel Advice Unit of the Foreign & Commonwealth Office (FCO), the World Health Organisation (WHO) or regulatory authority in a country to/from which you are travelling issue a directive prohibiting all but essential travel or recommend evacuating an area to which you are travelling.

Basic policies provide £500 cover with optional £1,000/£3,000 additional cover options available. £5,000 of cover per insured person is provided with Comprehensive policies.

The cover pays for any irrecoverable unused travel and accommodation costs and any reasonable extra expenses incurred.

What happens if there is a terrorist event or natural disaster?

We will pay up to £1,000 to repatriate you to your home if it becomes necessary to curtail the trip as a result of a terrorist event, fire, flood, earthquake, explosion, tsunami, landslide, avalanche, volcanic eruption, snow, hurricane, storm or an outbreak of food poisoning or an infectious disease affecting your accommodation or resort.

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.