In the event of a strike effecting public transport on which you are booked to travel cover is provided under 2 Sections of the policy.
SECTION D - DELAYED DEPARTURE
SECTION D1 - MISSED DEPARTURE
You should refer to the policy wording for full details of what is and is not covered. The following are some guidance notes to help you better understand the policy.
UNDER WHAT CIRCUMSTANCES DOES COVER APPLY
To be covered by the policy the first public announcement of the strike must have occurred AFTER you purchased this insurance and before you booked your trip.
The strike must affect public scheduled transport that has been pre booked by you. If your outward or return trip involves international connections you must allow a minimum of three hours between connections (more if recommended by the carrier).
You must check in according to the itinerary given to you unless specifically instructed not to by the carrier or their handling agent. You are not covered to cancel because of the threat or fear of industrial action.
WHAT COVER DO I HAVE
SECTION D - DELAYED DEPARTURE
If you are delayed for 12 hours or more you can claim a fixed sum benefit for every twelve hours of delay as detailed in your policy.
If the delay on the outward journey exceeds 24 hours you can choose to cancel your trip and we will refund any trip cancellation costs that you can not recover from anybody else.
SECTION D1 - MISSED DEPARTURE
We will pay you up to the amount shown in the schedule of cover for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination or returning to your home country, if you fail to arrive at the departure point in time to board the public transport on which you are booked to travel on for the initial international outbound and return legs of the trip.
This covers connecting transport that involves international travel but not local transport in your country of residence.
CLAIMS EVIDENCE REQUIRED
We will require (at your own expense) the following evidence where relevant:
- Full details of the travel itinerary supplied to you.
- A letter from the carriers (or their handling agents) confirming the number of hours delay, the reason for the delay and confirmation of your check in time.
- In the case of cancellation claims, your booking confirmation together with written details from your travel agent, tour operator or provider of transport/accommodation of the separate costs of transport, accommodation and other prepaid costs or charges that made up the total cost of the trip.
- Your unused travel tickets.
- Receipts or bills for any transport, accommodation or other costs, charges or expenses claimed for.
- A letter from the relevant public transport provider, carrier or authority confirming details of the strike or industrial action.
TAKE ACTION AS SOON AS YOU KNOW THERE IS LIKELY TO BE A PROBLEM
Any flight originating or travelling to an EU destination entitles you to certain passenger rights, make sure you are aware of these.
Contact the carriers concerned as soon as strike action is announced, find out what rights you have and what action can be taken to minimise a loss. If your flights can be rescheduled or refunded consider changing your travel plans.
If you can put together some alternative travel arrangements that would minimise the potential for an insurance loss on your policy contact the claims handler to seek authorisation prior to making any arrangements whenever this is possible.
Remember that your insurance policy only pays for unavoidable losses and you are expected to take reasonable actions to minimise any loss.
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