Travel Disruption Cover


    Before you reach your destination

  1. We will pay you for your proportion only of any unused travel, accommodation and other pre-paid charges that you cannot claim back from any other source if you cannot travel and have to cancel your trip as a result of:
    1. The public transport on which you were booked to travel from your home area being cancelled or delayed for at least 12 hours from the scheduled time of departure (but not including your unused travel costs where the cancellation or delay is caused by the insolvency of the public transport operator); or
    2. You being involuntarily denied boarding (because there are too many passengers for the seats available) and no suitable alternative flight could be provided within 12 hours; or
    3. The Travel Advice Unit of the Foreign & Commonwealth Office (FCO) or other regulatory authority in a country to/from which you are travelling advising against all travel or all but essential travel to the country or specific area you are travelling to providing the advice came into force after you purchased this insurance or booked the trip (whichever is the later) and was within 28 days of your departure date; or
    4. The insolvency of the accommodation providers or their booking agents, fire, flood, earthquake, explosion, volcanic eruption and/or volcanic ash clouds, tsunami, landslide, avalanche, hurricane, storm, civil commotion and/or civil unrest not assuming the proportions of or amounting to an uprising or an outbreak of food poisoning or an infectious disease meaning you cannot use your booked accommodation; or
    5. The accidental loss of, theft of or damage to your passport and/or visa prior to or after leaving your home to commence the trip and no replacement could be obtained within 12 hours of the scheduled time of departure to allow you to make alternative travel arrangements.
  2. We will pay you up to the amount shown in the schedule of benefits for your proportion only of any reasonable additional travel (including up to the limit detailed for taxis and hire cars) and accommodation costs which are of a similar standard to that of your pre-booked travel and accommodation (but on a room only basis) that you cannot claim back from any other source if you have to make alternative arrangements to reach your destination (or in the case of a cruise to join your ship at the next possible port of call) as a result of:
    1. The public transport on which you were booked to travel from your home area being cancelled or delayed for at least 12 hours from the scheduled time of departure (but not including your additional travel costs where the cancellation or delay is caused by the insolvency of the public transport operator), or being diverted or re-directed after takeoff; or
    2. You being involuntarily denied boarding (because there are too many passengers for the seats available) and no suitable alternative flight could be provided within 12 hours;
    3. You being denied boarding on the public transport on which you were booked to travel from your home area as a result of the accidental loss of, theft of or damage to your passport and/or visa and no replacement could be obtained until after the scheduled time of departure up to the amount shown in the schedule of benefits.
  3. If the public transport on which you were booked to travel from your home area (including any onward connecting public transport) is cancelled or delayed for at least 12 hours we will pay you up to the amount shown in the schedule of benefits for the first 12 hours delay and each full 12 hours delay after that up to the maximum of the amount shown in the schedule of benefits providing you eventually continue the trip (this will help you pay for telephone calls made and meals and refreshments purchased during the delay).
  4. We will pay you up to the amount shown in the schedule of benefits for your proportion only of any unused travel, accommodation and other pre-paid charges that you cannot claim back from any other source if you fail to:
    1. arrive at the departure point in the United Kingdom in time to board the public transport on which you are booked to travel on for the initial international outbound leg of the trip; or
    2. reach your final destination in the case of a trip solely within the United Kingdom as a result of any of the following events:
      1. the failure of other public transport; or
      2. an accident to or breakdown of the vehicle in which you are travelling; or
      3. an accident or breakdown happening ahead of you on a public road which causes an unexpected delay to the vehicle in which you are travelling; or
      4. strike or industrial action; or
      5. adverse weather conditions preventing you from leaving your home, travelling by road, rail or any other means to your final destination, or reaching the international departure point or your final destination in the United Kingdom because they are inaccessible due to the weather conditions and despite making or attempting to make alternative arrangements to reach your destination, you choose to cancel your trip before departure from the United Kingdom (or before reaching your destination in the case of a trip solely within the United Kingdom), because no suitable alternative public transport or other transport facilities could be provided in time to enable you to safely continue with at least 50% of your booked trip.
  5. We will pay you up to the amount shown in the schedule of benefits for your reasonable additional travel (including up to £200 for taxis and hire cars) and accommodation costs which are of a similar standard to that of your pre-booked travel and accommodation (but on a room only basis) you have to pay to reach your overseas destination (or in the case of a cruise to join your ship at the next possible port of call) that you cannot claim back from any other source if you fail to arrive at the departure point in time to board any onward connecting public transport on which you are booked to travel as a result of:
    1. The failure of other public transport; or
    2. Strike, industrial action or adverse weather conditions; or
    3. 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 12 hours.
  6. While you are at your destination

  7. We will pay you up to the amount shown in the schedule of benefits for your proportion only of any unused travel, accommodation and other prepaid charges that you cannot claim back from any other source together with any reasonable additional travel (including up to £200 for taxis and hire cars) and accommodation costs which are of a similar standard to that of your pre-booked travel and accommodation (for example full or half board, all inclusive, bed and breakfast, self- catering or room only) if you have to:
    1. Move to other accommodation at any point during your trip as a result of the insolvency of the accommodation providers or their booking agents, fire, flood, earthquake, explosion, volcanic eruption and/or volcanic ash clouds, tsunami, landslide, avalanche, hurricane, storm, civil commotion and/or civil unrest not assuming the proportions of or amounting to an uprising or an outbreak of food poisoning or an infectious disease meaning you cannot use your booked accommodation; or
    2. curtail your trip with prior authorisation of the Emergency Medical Assistance Service as a result of the insolvency of the accommodation providers or their booking agents, fire, flood, earthquake, explosion, volcanic eruption and/or volcanic ash clouds, tsunami, landslide, avalanche, hurricane, storm, civil commotion and/or civil unrest not assuming the proportions of or amounting to an uprising or an outbreak of food poisoning or an infectious disease meaning you cannot use your booked accommodation and you need to be repatriated to your home; or
    3. curtail your trip with prior authorisation of the Emergency Medical Assistance Service as a result of the Travel Advice Unit of the Foreign & Commonwealth Office (FCO) or other regulatory authority in the country you are in recommending evacuation from the country or specific area you have travelled to providing the advice came into force after you left your home area to commence the trip; or
    4. curtail your trip with prior authorisation of the Emergency Medical Assistance Service as a result of the accidental loss of, theft of or damage to your passport and/or visa which meant that you could not continue with your planned itinerary and/or were denied boarding on the public transport on which you were booked to travel, or in the case of a cruise ship stay.
  8. On the way home

  9. We will pay you up to the amount shown in the schedule of benefits for your proportion only of any reasonable additional travel (including up to £200 for taxis and hire cars) and accommodation costs which are of a similar standard to that of your pre-booked travel and accommodation (for example full or half board, all inclusive, bed and breakfast, self- catering or room only) that you cannot claim back from any other source if you have to make alternative arrangements to return to your home or stay longer outside of your home area as a result of:
    1. The public transport on which you were booked to travel to your home area (including any onward connecting public transport) being cancelled or delayed for at least 12 hours from the scheduled time of departure (but not including your unused travel costs where the cancellation or delay is caused by the insolvency of the public transport operator), or being diverted or re-directed after take-off; or
    2. You being involuntarily denied boarding (because there are too many passengers for the seats available) and no suitable alternative flight could be provided within 12 hours; or
    3. You being denied boarding on the public transport on which you were booked to travel to your home area (including any onward connecting public transport) as a result of the accidental loss of, theft of or damage to your passport and/or visa and either the temporary replacement you obtained was not accepted or no replacement could be obtained until after the scheduled time of departure up to the amount shown in the schedule of benefits.
  10. If the public transport on which you were booked to travel to your home area (including any onward connecting public transport) is cancelled or delayed for at least 12 hours we will pay you up to the amount shown in the schedule of benefits for the first 12 hours delay and each full 12 hours delay after that up to the maximum of the amount shown in the schedule of benefits providing you return to your home on the next available suitable public transport (this will help you pay for telephone calls made and meals and refreshments purchased during the delay).
  11. We will pay you up to the amount shown in the schedule of benefits for your reasonable additional travel (including up to £200 for taxis and hire cars) and accommodation costs which are of a similar standard to that of your pre-booked travel and accommodation (but on a room only basis) you have to pay to return to your home that you cannot claim back from any other source if you fail to arrive at the departure point in time to board any onward connecting public transport on which you are booked to travel including those within the United Kingdom as a result of:
    1. The failure of other public transport; or
    2. Strike, industrial action or adverse weather conditions; or
    3. 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 12 hours.

Please see the policy wording for further information.