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:

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 may apply if you cancel your trip before leaving your home country for one of the listed reasons below.

Can I cancel because of illness, injury, quarantine or death?

Cancellation cover may apply where death or disability is caused by bodily injury or illness, or where quarantine is ordered by the treating medical practitioner.

The reason must affect:

• 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

Can I cancel because of damage to my home or business premises?

Cancellation cover may apply if, within 14 days before your trip starts:

• your home becomes uninhabitable; or
• your place of business becomes unusable.

The damage must be caused by:

• fire
• lightning
• explosion
• earthquake
• subsidence
• storm
• flood
• falling trees
• riot or civil commotion
• malicious damage
• burst pipes
• impact by an aircraft

Can I cancel if the police need me after a burglary?

Cancellation cover may apply if the police ask you to be present after a burglary or attempted burglary at your home or place of business.

Can I cancel if my passport is stolen?

Cancellation cover may apply if your passport, or the passport of someone you planned to travel with, is stolen during the seven days before departure.

Can I cancel if my insured carer has to cancel?

Cancellation cover may apply if your carer is insured on the policy and must cancel their trip with you for one of the listed cancellation reasons.

If you still travel, the policy may provide up to £1,000 in total towards extra accommodation and transport needed to replace your original carer.

Can I cancel if I am called back to duty?

Cancellation cover may apply if you, or someone you are travelling with, is ordered to return to duty as a member of:

• the armed forces
• the emergency services
• an administrative government service

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.

When cancellation cover does not apply

The policy’s general conditions and general exclusions apply. Cancellation cover also does not include the following.

Medical and pregnancy claims

• A medical cancellation without a certificate from a medical practitioner confirming that cancellation is medically necessary.
• A pregnancy-related claim where you do not meet the transport provider’s pregnancy rules when checking in or boarding.
• Cancellation because of childbirth at or after the 32nd week of a single pregnancy, or the 24th week of a multiple pregnancy.
• Claims caused by a medical epidemic or pandemic, except for the specific Coronavirus cover described in the policy.

Delayed cancellation

Increased cancellation charges caused by not telling your travel agent, tour operator or other travel provider immediately when cancellation becomes necessary.

Passports and travel documents

• A stolen-passport claim where the theft was not reported to the relevant authorities, including the police and UK Passport Service.
• Claims caused by not obtaining the passport, visa or other travel documents required for your trip.

Government restrictions

Cancellation caused by restrictions introduced by a government or administration.

Charges and costs

• Any applicable policy excess.
• Air passenger duty charged as part of a scheduled airline booking.
• ATOL protection fees.
• Administration fees included in the flight-booking cost or refund process.

See What are the general exclusions in my policy? for more information about exclusions that apply across the policy.

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.