What does Gold, Gold Plus and Platinum cancellation cover?

Gold, Gold Plus and Platinum cancellation cover (Section 1 of your policy) can help with unused pre-paid trip costs if you have to cancel before leaving your home country for a listed, necessary and unavoidable reason.

What this article helps you do

This article explains when cancellation cover can apply under AllClear Gold, Gold Plus and Platinum. It also explains when cancellation cover does not apply, what evidence may be needed, and what you should do if you need to cancel.

Applies to

• Policy: AllClear Gold, Gold Plus and Platinum 
• Trip type: Single and Annual Multi-Trips
• Who it applies to: People insured under the policy 
• Section of Cover: Under Section 1 of the policy booklet
• Important: Cancellation cover does not apply if you bought Gold or Gold Plus Cover excluding cancellation and also does not apply to Silver policies.
• Important: Check your policy schedule to confirm your level of cover and any selected options 

Quick answer

• Cancellation cover is for your share only of unused travel, accommodation, excursions, tours and activities.
• The costs must be cancelled before you leave your home country. 
• The cancellation must be necessary and unavoidable. 
• Cancellation is not included if you are simply unwilling to travel. 
• You must tell your travel provider as soon as you know you need to cancel. 
• You may need written confirmation, a cancellation invoice, or unused travel tickets to support a claim. 

Cancellation limits and excesses

The standard cancellation limits are:

• Gold: £2,000, with a £250 excess, or £15 for loss of deposit. 
• Gold Plus: £5,000, with a £75 excess, or £15 for loss of deposit. 
• Platinum: £10,000, with Nil excess. 

Extra cancellation cover applies to Gold Plus and Platinum only. These applicable policies allow customers to select extra cover in £1,000 increments up to £15,000 for Gold Plus and up to £25,000 for Platinum customers; but only where the extra cover has been selected and is shown on the customer’s policy schedule, so always check the schedule to confirm the cover level chosen.

When cancellation cover can apply

Cancellation cover can apply if your trip is cancelled before you leave your home country because of one of the reasons below.
Illness, injury, quarantine or death

Cancellation can apply where death or disability is caused by bodily injury, illness or quarantine on the orders of the treating medical practitioner, affecting:

• You. 
• Someone you planned to travel with. 
• Someone you planned to stay with. 
• Your immediate relative. 
• The immediate relative of someone you planned to travel with. 
• Your close business associate. 
• Jury service or court witness attendance
• Redundancy - You must tell AllClear in writing as soon as you are notified. You must not have been aware of any impending redundancy when the policy was issued.
• Your home or business premises becoming unusable

Cancellation can apply if your home is made uninhabitable, or your place of business is made unusable, up to 14 days before the start of your trip because of:

• Fire. 
• Lightning. 
• Explosion. 
• Earthquake. 
• Subsidence. 
• Storm. 
• Flood. 
• Falling trees. 
• Riot or civil commotion. 
• Malicious damage. 
• Burst pipes. 
• Impact by aircraft. 
• Police needing you after a burglary
• Cancellation can apply if the police request your presence after a burglary or attempted burglary at your home or place of business.
• Stolen passport shortly before departure
  Cancellation can apply if your passport, or the passport of someone you planned to travel with, is stolen during the seven days before your departure date.
  Your insured carer has to cancel
• Cancellation can apply if your carer is insured on the policy and has to cancel their journey with you for one of the listed cancellation reasons.
  If you still travel, the policy can provide up to £1,000 in total for extra accommodation and transport to replace your original carer.
• Armed forces, emergency services or government duty
• Cancellation can apply if you, or someone you are travelling with, is ordered to return to duty as a member of the armed forces, emergency services or administrative government employees.
• Pregnancy after buying the policy

Cancellation can apply if you become pregnant after the policy is sold and either:

• You will be more than 32 weeks pregnant on your return date for a single pregnancy. 
• You will be more than 24 weeks pregnant on your return date for a multiple pregnancy. 
• You will fail to meet the transport provider’s policy for pregnant women on the date you start your outward journey. 
• Complications of pregnancy and childbirth
• Cancellation can apply for complications of pregnancy and childbirth.
• FCDO or WHO travel advice changes
  • Cancellation can apply if the FCDO or WHO changes its advice to advise against all travel, or all but essential travel, to your destination.
  • This does not apply where the advice changes because of a medical epidemic or pandemic, or anything listed in the general exclusions.
• Winter sports trip costs
• For winter sports trips, cancellation cover can include unused ski hire, ski school and lift passes if the appropriate additional premium has been paid.
• These costs must not have been used, and you must have paid for them or agreed to pay for them.

Cancellation cover does not include:

1. Anything listed in the General exclusions. General conditions also apply. 
2. The policy excess, unless you have paid the extra premium for zero excess. 
3. Claims where you do not have a medical certificate from a medical practitioner confirming that cancellation is medically necessary. 
4. Claims arising from pregnancy if, when checking in or boarding your flight, you fail to meet the airline’s policy for pregnant women. 
5. Increased charges caused by not telling your travel agent or tour operator immediately when cancellation becomes necessary. 
6. Cancelling because of restrictions introduced by any government or administration. 
7. Claims for a stolen passport where the theft has not been reported to the necessary authorities, including the police and UK Passport Service. 
8. Air passenger duty charges made by a scheduled airline as part of your booking. 
9. ATOL protection fees. 
10. Administration fees included in the flight booking cost or refund process. 
11. Cancelling because of giving birth at or after the 32nd week for a single pregnancy, or the 24th week for a multiple pregnancy. 
12. Claims due to a medical epidemic or pandemic, except for the Coronavirus-related cover described in the policy wording. 
13. Claims caused by not getting the required passport, visa or travel documents. 

What you need to do if you cancel

If you know your trip will be cancelled, tell the carrier, holiday company, travel agent or accommodation provider immediately.

This helps minimise the cancellation charges. If you do not tell them as soon as you know you need to cancel,

AllClear will only consider the cancellation charges that were due when you first knew you had to cancel.
You should keep:

• Written confirmation from the travel provider. 
• A cancellation invoice. 
• Unused travel tickets, where available. 
• Medical certificates, where cancellation is for a medical reason. 
• A claim may be rejected if the required cancellation documents are not provided.