Disruption caused by severe snow

Questions and answers if you are affected and are still in the UK

Q. We are unable to travel due to the severe weather conditions, what am I covered for?

Cancellation

If the airport is closed or your flight is cancelled, please speak to your airline to discuss alternative arrangements. If you booked all elements of your trip through a tour operator as a package, you should be able to get a refund for these through them. Some of your costs may not be met if you have booked elements of your holiday separately. As soon as you are aware that you may have to reschedule your trip, you should contact the provider of each element of your trip to see what alternative arrangements can be made.

Travel Delay

If you have checked-in at the airport and your flight has been delayed for more than 12 hours, you can make a claim under the ‘Delayed Departure’ section of the policy. This provides each insured person with £25 for each 12 hours of delay up to £250. Evidence of the delay and/or your flight details will be required.

Abandonment

If you have checked-in at the airport and your flight has been delayed for more than 24 hours, you can cancel your trip and make a claim for the unused costs of the journey, if you can’t get these costs back from anywhere else. This provides up to £5000 per insured person. Full terms and conditions can be found in your policy booklet.

Missed Departure

If you cannot get to your departure point and you miss your flight due to your vehicle being in an accident or public transport not running because of snow, you can make a claim for additional expenses you had to pay in order to continue with your original journey. This provides up to £1000 per insured person. Full terms and conditions can be found in your policy booklet.

Q. Will you change my policy dates for my new trip dates?

If you are rescheduling your trip by only a few days and the trip length remains the same, we will make a note of your new travel dates and endorse your policy. If you are rescheduling for more than one week in the future, if you call before the start date of your original trip, we will cancel your original policy, refund your premium, and set a new policy up for you.

Questions and answers if you are affected and are already overseas

Q. I am abroad and unable to fly home – what am I covered for?

Under your travel insurance policy you can claim the delayed departure benefit of £25 for each 12 hours delay up to £250. Other additional accommodation and subsistence costs may be met by your tour operator or airline.

Q. I’ve had to pay for a hotel abroad as I can’t get home - can I claim this back?

If the additional costs have been incurred because your flight was cancelled by the airline, you should be entitled to compensation from the airline. Some tour operators may provide the additional accommodation or cover these costs, although they are not obliged to do this.

Q. If we are able to make alternative travel arrangements (eg ferry), will these costs be covered?

Additional travel costs are not covered. Your original tour operator or airline provider should arrange for you to get back to the UK.

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