Platinum policy scheduled airline failure cover applies if a scheduled airline becomes insolvent before or during your trip, covering up to £2,500 with no excess. It helps recover costs for unused tickets or additional travel expenses if no alternatives are offered. Silver, Gold and Gold Plus policies do not include this cover. Claims must be submitted within six months, and you should first seek refunds from the airline, card provider, or ATOL. The cover excludes charter flights, pre-known insolvencies, and losses recoverable by other means.
What does Platinum scheduled airline failure cover?
Scheduled airline failure applies only if you have purchased Platinum cover, and it can help if your scheduled airline becomes insolvent before or during your trip.
What this article helps you do
This article explains when scheduled airline failure can apply. It also explains what to try first, when to submit a claim, and what is not included.
Applies to
- Applicable policies: AllClear Platinum
- Not included for: Silver, Gold and Gold Plus
- Trip type: As shown on your policy schedule
- Who it applies to: People insured under the policy and named on the airline ticket
- Important: This applies to scheduled airlines only, not charter flights or package holiday charter flight tickets
Quick answer
- Platinum scheduled airline failure is included up to £2,500, with Nil excess.
- Gold and Gold Plus do not include scheduled airline failure.
- You should first try to get a refund from the airline, your card provider, or ATOL if you booked through a travel agent or third party.
- You must submit the claim within 6 months after the airline becomes insolvent.
- You can claim under scheduled airline failure or travel delay and abandonment for the same event, not both.
When scheduled airline failure can apply
Scheduled airline failure can apply if the scheduled airline financially fails before your trip starts.
In that situation, the benefit can help with the amount already paid to the scheduled airline for your unused flight ticket, where that amount is not recoverable by any other means.
Scheduled airline failure can also apply if the scheduled airline financially fails after your trip has started.
In that situation, the benefit can help with either:
- The additional cost of a one-way trip of a similar standard to replace the original flight arrangements, if no other travel alternative has been offered; or
- The pro-rata amount already paid to the scheduled airline for the unused original return flight to the United Kingdom, where that amount is not recoverable by any other means.
- The policy uses whichever amount is greater.
What you need to do first
Before claiming, try to recover the cost from:
- The airline.
- Your credit or debit card provider.
- ATOL, if you booked through a travel agent or third party.
Contact AllClear as soon as you know there may be a claim.
If you claim for the unused original ticket, any refund already received for that flight will be deducted from the settlement.
What is not included
Scheduled airline failure does not include:
- Anything listed in the General exclusions. General conditions also apply.
- Charter flight tickets booked as part of a package holiday.
- Flight tickets that are not on a scheduled airline.
- Scheduled flights not booked in the United Kingdom before departure.
- Costs caused by an airline that was already insolvent, likely to become insolvent, or whose potential insolvency had been announced in UK media when you bought the policy or booked the trip, whichever was earlier.
- Scheduled airlines that are bonded or insured elsewhere, even if the bond is not enough to meet the claim.
- Financial failure of a travel agent, tour organiser, booking agent or consolidator.
- Any loss recoverable by other legal means or where a third party is liable.