What does Gold, Gold Plus and Platinum travel delay and abandonment cover?

Gold, Gold Plus and Platinum travel delay and abandonment can help if your outward or return transport is delayed by more than 24 hours for a listed reason.

What this article helps you do

This article explains when travel delay or abandonment may apply. It also explains the difference between delayed departure benefit and abandoning your trip.

Applies to

• Applicable policies: AllClear Gold, Gold Plus and Platinum
• Trip type: Single Trip and Annual Multi-Trips
• Who it applies to: People insured under the policy
• Journey stage: Outward or return flight, sea crossing, coach or train from or to your home country, where the delay affects reaching your final international destination.
• Not included if: The trip is solely within your home country. Silver policies are not covered for travel delay and abandonment cover.

Quick answer

• Travel delay can apply if your outward or return transport is delayed by more than 24 hours.
  The delay must be caused by strike or industrial action, adverse weather, or mechanical or electrical breakdown.
• Abandonment can apply if your outward journey is delayed by more than 24 hours and you choose not to continue your trip.
• You must check in before the intended departure time.
• The transport company confirmation needs to show the delay period and reason.

Travel delay benefit amounts

Gold delayed departure benefit:

• £20 for the first full 12 hours of delay.
• £10 for each additional full 12 hours thereafter.
• Maximum total: £300.
• Excess: Nil.

Gold Plus delayed departure benefit:

• £50 for the first full 12 hours of delay.
• £10 for each additional full 12 hours thereafter.
• Maximum total: £1,500.
• Excess: Nil.

Platinum delayed departure benefit:

• £60 for the first full 6 hours of delay.
• £20 for each additional full 6 hours thereafter.
• Maximum total: £1,500.
• Excess: Nil.

The maximum applies regardless of how many separate delay incidents happen during your trip.

Abandonment benefit amounts

If your outward journey is delayed by more than 24 hours for a listed reason and you choose not to continue your trip, abandonment can help with unused travel and accommodation costs that you have paid or are contracted to pay.

Gold abandonment benefit:

• Limit: £2,000.
• Excess: £250.

Gold Plus abandonment benefit:

• Limit: £5,000.
• Excess: £75.

Platinum abandonment benefit:

• Limit: £10,000.
• Excess: Nil.

For Gold Plus, zero excess may apply only if it was selected when the policy was bought and is shown on the policy schedule.

When travel delay or abandonment can apply

Travel delay or abandonment can apply when the departure of your outward or return flight, sea crossing, coach or train from or to your home country is delayed by more than 24 hours beyond the time on your travel ticket because of:

• Strike or industrial action, as long as you could not reasonably have expected it to affect your trip when you bought the policy.
• Adverse weather conditions, where the weather is the underlying and continuing cause.
• Mechanical or electrical breakdown of the aircraft, coach, train or sea vessel.

Abandonment only applies to your outward journey. It applies if you choose not to continue with your trip after a qualifying delay.

What is not included

Travel delay and abandonment do not include:

• Anything listed in the General exclusions. General conditions also apply.
• The abandonment excess, unless a zero-excess option applies and is shown on the policy schedule.
• Claims where you did not check in before the intended departure time.
• Claims where you do not get written confirmation from the airline, shipping, coach or train company showing the delay period and reason.
• Claims caused by the temporary or permanent withdrawal from service of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority, a Port Authority, or a similar body in any country.
• Claims caused by natural disasters, unless natural disaster cover is shown on your policy schedule and the extra premium has been paid.
• Claims caused by missing a flight, ferry, ship, cruise ship, coach or train that is not part of your outward or return journey.

What evidence may be needed