Yes, some cover applies automatically under your policy. The level of protection depends on whether you added Travel Disruption Cover (TDC) to your policy at the time of purchase.
All cover is subject to your policy terms and conditions.
✅ Delayed departure benefit (per 12 hour delay) as a result of a natural disaster.
✅ Trip cancellation / holiday abandonment, if all the following apply:
• You are already at the airport or departure point
• You were not aware of the natural disaster when buying your policy or booking your trip
• Your flight or public transport is cancelled or delayed
• No alternative is offered within 12 hours
• You choose to abandon your trip
✅ The FCDO advises against travel within 21 days before departure due to a natural disaster.
❌ Missed departure (for example, being unable to reach the airport due to a natural disaster) — unless you added Travel disruption upgrade.
❌ Trip cancellation or additional expenses to help you make alternative arrangements unless you added TDC.
❌ Uninhabitable accommodation prior to departure unless Travel disruption was added.
❌ Reasonable additional expenses to help you make alternative arrangements following delay or cancellation of your public transport unless Travel disruption was added.
✅ Missed departure and cancellation cover if your flight or public transport is cancelled or delayed and no alternative is offered within 12 hours.
✅ Additional expenses to make alternative travel or accommodation arrangements following cancellation or delay.
✅ Uninhabitable accommodation – covered for curtailment (ending your trip early) or relocation to alternative accommodation.
✅ Cancelled or delayed connecting flights.
If you have purchased the Travel disruption upgrade at the time of inception, your policy will automatically extend free of charge until you return home.
✅ Delayed departure benefit (per 12 hour delay) due to failure of other public transport.
✅ Emergency medical expenses and repatriation costs.
✅ The FCDO advises evacuation or return home during your trip.
✅ Cancelled or delayed return flights – cover applies for any additional accommodation and transport costs, and your policy will automatically extend free of charge until you return home.
❌ Policy extension following a cancellation if you do not have Travel disruption – you’ll need to extend your policy manually via your Customer Zone or contact our team for help.
❌ Delayed or cancelled connections are not covered without the Travel disruption addon.
We will not provide cover for circumstances known to you before purchasing your policy, or which could reasonably have been expected to lead to the cancellation or disruption of your trip.
If your flight is cancelled by the airline, they are legally required to offer either an alternative flight or a full refund, and to provide overnight accommodation until the alternative flight becomes available, under EU Regulation 261/2004.
Similar protections exist where your travel is via a pre-booked ferry or train, and the same process should be followed.
All cover outlined above is subject to your policy terms and conditions — please refer to your policy wording for full details.
