Section A - Cancelling and cutting short your trip

What you are covered for:

We will pay up to the sum insured shown on the Schedule of Benefits for travel and accommodation expenses that you have incurred 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:

  1. You dying, becoming ill or injured.
  2. The death, serious injury or serious illness of a relative, close business associate or a person with whom you have booked to travel or a relative or friend living outside the United Kingdom with whom you plan to stay.
  3. 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.
  4. 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).
  5. 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.
  6. 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.
  7. 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 GBP50 of each claim for each insured person.
  2. You not wanting to travel.
  3. Any extra costs resulting from you not telling the travel company and / or carrier(s) as soon as you know you have to cancel your trip.
  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 at any time during the twelve months 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 decide to cut short your trip.
  7. Failure to obtain the required inoculations, vaccinations, passport or visa.
  8. Any costs incurred due to fluctuation in exchange rates.
  9. Any trip that has been arranged using Airmiles or any similar such scheme (any trip that has been arranged proportionately using Airmiles or any similar such scheme you are not covered in the same proportion).

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

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