Section A - Cancelling and cutting short your trip

What you are covered for

We will pay up to the overall limit shown on the Schedule of Benefits for travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back if it is necessary and unavoidable for you to cancel or cut short your trip as a result of the following.

• You dying, becoming ill or injured.
• The death, injury or illness of a relative, close business associate or a person with whom you have booked to travel or a relative or friend living abroad with whom you plan to stay.
• If you are called for jury service (and your request to defer has been rejected), attending court as a witness (but not as an expert witness) or you are put in compulsory quarantine.
• An accident to a vehicle in which you were planning to travel which happens within seven days before the date you planned to leave which leaves the vehicle unusable (this applies to self-drive holidays only).
• If you are made redundant as long as you are entitled to payment under the current redundancy payments law and that, at the time of booking your trip, you had no reason to believe that you would be made redundant.
• If the police need you to stay after a fire, flood or burglary at your home within 48 hours before the date you planned to leave.
• The extra cost for you to return home following the death, serious injury or serious illness of a relative or close business associate.

What you are not covered for

1. The first £50 of each claim, for each insured person.
2. You not wanting to travel.
3. Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your holiday.
4. Cancelling or cutting short the trip because of a medical condition, injury or symptom affecting you , of which you are aware or which has required treatment, medical consultation or investigation or prescribed medication at any time during the two years prior to commencement of cover.
5. Cancelling or cutting short the trip because of a medical condition or any illness related to a medical condition which you knew about or should have known about before the start of this insurance, of a relative, close business associate or person you are travelling with and any person you were depending on for the trip .
6. The cost of your original return trip if this has already been paid and you need to cut short your journey.
7. Failure to obtain the required inoculations, vaccinations, passport or visa.
8. Any costs incurred due to fluctuation in exchange rates.
9. Any loss incurred where payment has been made using Air Miles or similar reward schemes.
10. Pregnancy or childbirth where the pregnancy would have been more than 28 weeks at the beginning of the trip or 24 weeks in the case of a multiple pregnancy (unless the pregnancy was confirmed after the date your travel tickets or confirmation of booking were issued or the start date of your policy) and cancellation or cutting short your trip is medically necessary.

Please read the general conditions, exclusions and Schedule of Benefits.

« Click here to return to main page