TRAVEL DISRUPTION COVER IS NOW INCLUDED IN OUR TRAVEL INSURANCE AS STANDARD
What is Travel Disruption Cover?
Travel disruption cover offers the financial protection customers would normally receive from their tour operator when purchasing a package holiday. When booking travel and accommodation independently customers do not enjoy the same amount of financial protection when certain problems arise. Freedom Insurance includes travel disruption cover to provide some additional protection and is included as standard with both single trip and annual multi-trip policies.
Why do I need Travel Disruption Cover?
We have included this cover in our policy as standard because it offers the same protection if a holiday is booked independently as a tour operator would provide if the holiday is booked as part of a package holiday. With millions of people travelling each year, we know how important it is to have this cover in place.
What is covered by Travel Disruption Cover?
If you cannot claim from any other source then cover is split into 3 sections: before reaching your destination, while you are at your destination and on the way home
Before You Reach Your Destination:
• Cancellation/curtailment cover is extended to include the Foreign & Commonwealth Office (FCO) prohibiting travel to or evacuation from, a certain country or area of the World, involuntary denied boarding , the insolvency of the accommodation provider and natural disasters such as volcanic ash, Tsunamis and earthquakes
• Cancellation cover is extended to cover unused holiday costs when you have missed at least 50% of your trip due to an accident or breakdown of your vehicle , strikes and adverse weather conditions
• Additional expenses to reach your destination are covered if the public transport on which you are booked to travel is delayed (or cancelled) for more than 12 hours. Under these circumstances you can also claim £20 for the first 12 hours and £10 for each additional 12 hours (to help with telephone calls and meals during the delay) up to £100 in all provided you eventually continue the trip. Furthermore the policy will pay up to the cancellation limit if, after 12 hours you decide to abandon your trip.
• Cover for up to £500 for reasonable additional accommodation (room only) and travel expenses incurred in reaching your destination, if you fail to arrive at your departure point in time to board as a result of failure of public transport, strike, industrial action or adverse weather conditions. The same applies if you are denied boarding onto the flight because it is overbooked. If however a suitable alternative means of transport is not available then you can claim for unused accommodation up to the cancellation limit under the policy
Whilst you are at your destination:
• If you arrive at your resort and find the accommodation you have booked is unusable because of insolvency of the provider or because of fire, flood, earthquake, explosion, tsunami etc. or an outbreak of food poisoning or infectious disease affecting your accommodation or resort, the policy will, with the prior agreement of the Emergency Assistance Service, repatriate you to your home. The policy will also cover the unused portion of the holiday if you have to move to other accommodation as a result of any of the above. Cover is provided if the Foreign and Commonwealth Office (FCO) recommend evacuation from the country or specific area you have travelled to
On the way home:
• You will be covered for additional travel costs incurred if you have to make alternative arrangements to get home if your flight is delayed or cancelled or you are denied boarding. Cover is also in place if adverse weather conditions affect your journey home Under these circumstances you can also claim £20 for the first 12 hours and £10 for each additional 12 hours (to help with telephone calls and meals during the delay) up to £100 in all provided you eventually continue home