Dreaming of a white Christmas? Really?
A couple of weeks ago, we published a post explaining what your rights are when bad weather affects your travel plans. It focused on what you are entitled to, from both your airline and your travel insurer, when adverse weather conditions force delays or even cancellations to your travel plans.
But what if you have to cancel your entire holiday because of bad weather? With the white stuff still wreaking havoc across the UK, many people are being forced to make hasty amends to their plans for a Christmas getaway. If that happens to you, it’s important to know where you stand with your travel insurer.
The flights were sorted, the dream apartment was booked, a few special holiday indulgences had been arranged – it was going to be the perfect Christmas getaway. That was, at least, until the snow came and the UK turned into a winter blunderland.
When you’ve been looking forward to a holiday, it’s awful to have to cancel. Especially at Christmas. But if the current weather does force you to cancel your holiday, all is not lost. Not with World First. Here’s what you need to know about our trip abandonment cover.
Introducing our trip abandonment cover
If you are forced to cancel your holiday because of adverse weather conditions, our trip abandonment cover will allow you to claim under the cancellation section of our policy. Our main travel insurance policies cover each traveller for up to £3,000 of irrecoverable travel and accommodation costs.
So in what specific circumstances can you make a claim?
Stuck on the way to the airport?
Stuck because of an accident caused by the snow and ice? Roads closed or impassable? If travelling to the airport causes you to miss your flight or if you become delayed by 24 hours or more, you can claim trip abandonment. This applies whether you are travelling on public transport or in your own vehicle. However, if flights are still running at your airport it’s important that you still try to get there. Leave plenty of time and travel safely.
Stuck at the airport?
All you need to do is flick on the news at the moment to learn that our airports don’t cope particularly well with snow and ice. If the winter weather disrupts you at the airport, you can claim trip abandonment once you have delayed for 24 hours or more. Also, remember to approach your airline first. Most will pay for accommodation and alternative travel costs. However, as we’ve seen on the television recently, this isn’t always the case – especially if you’re airside.
For more on your rights at the airport read: Snow-fly zone: What to do if extreme weather disrupts your flight plans.
The small print
You need to make sure your policy includes cancellation cover when you’re taking out your travel insurance. Also, you cannot claim compensation for extreme weather conditions once they have already started to disrupt travel. So if you’re travelling tomorrow and you buy your travel insurance today, you will not be covered. Naturally, if you are travelling sometime in the future, when adverse conditions are unforeseeable, you can insure against poor weather affecting your plans.
It’s also worth noting that if you are making a claim we will need as much supporting documentation as possible. That means obtaining written documentation from your airline or official transport services clarifying the details and nature of your delay.