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Advice For Travellers

What happens if I need to cancel my holiday?

We will pay you up to the amount shown in the Summary of Cover for travel and accommodation costs which you have paid (or have contracted to pay), that you cannot use because you are unable to travel or complete the trip.

Cancellation cover applies if you have booked a trip to take place within the period of insurance, but you are forced to cancel your travel plans because of one of the following, which is beyond your control, and of which you were unaware at the time you booked the trip or purchased your insurance, whichever was later. Please see also the section Travel Delay cover in your policy wording. Curtailment cover applies if you are forced to cut short a trip you have commenced, and return to the home country, because of one of the following which is beyond your control, and of which you were unaware at the time you booked the trip or purchased your insurance, whichever was later:

  • Unforeseen illness, injury or death of you, a close relative or any person you have arranged to travel or stay with during the trip.
  • You abandoning your trip following the cancellation of or a delay of more than 24 hours in the departure of your prebooked outward international departure, as a result of strike or industrial action (of which you were unaware at the time you booked the trip), adverse weather conditions, or mechanical breakdown or accident.
  • You being called up for Jury Service or being subpoenaed as a witness in a Court of Law (other than in a professional or advisory capacity).
  • You being made redundant and you qualify for redundancy payment under current legislation.
  • Accidental damage, burglary, flooding or fire affecting your home, occurring during the trip or within 48 hours before you depart, when the loss relating to your home is in excess of £1,500 and your presence is required by the police in connection with such events.
  • Your compulsory quarantine.
  • Cancellation or curtailment of any one or more parts of the travel arrangements for the booked trip arising from the insolvency of any pre-booked provider.
Please read your policy documents for further information.

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