What this article helps you do
If you have suffered from the bereavement of an immediate relative within the UK and you may need to come home early from your holiday, this article explains what to do.
Applies to
- Applicable policies: Gold, Gold Plus, Platinum customers
- Trip type: Single Trip or Annual Multi-Trips
- Who it applies to: Anyone named on the policy
- Prerequisite: Cutting your holiday short only applies if you return to your home country earlier than planned
Quick answer
- Check your policy documents before changing your travel plans.
- Get permission from us, before arranging your return where possible.
- Cover for Gold, Gold Plus and Platinum policies includes cover for cutting your trip short as a result of a death of immediate relatives living in your home country. This is not covered with Silver policies.
- Keep evidence of the bereavement and any unused travel or accommodation costs.
- Speak to an adviser if you are unsure what applies to your policy.
Key definitions
Cutting your holiday short means returning early to your home country.
For Gold, Gold Plus and Platinum customers, an immediate relative includes family members such as a parent, partner, child, sibling, grandparent, grandchild, in-law, step-family member, or legal guardian.
Steps to take before coming home early
Before you change your travel plans, check your policy and get permission where possible. This helps make sure your early return is handled in line with your policy wording.
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Check your policy documents and schedule.
Make sure you know your policy level and whether Silver, Gold, Gold Plus or Platinum wording applies. -
How an immediate relative is defined.
Any of the following: Mother, father, sister, brother, wife, husband, partner (same or different sex), son, daughter (including fostered/adopted son or daughter), grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother, step-sister, or legal guardian. -
Contact us before arranging your return where possible.
If you need to return early for an insured reason, permission is needed before cutting your holiday short. -
Keep evidence.
Keep booking confirmations, unused travel documents, accommodation evidence, and any evidence requested during the claim process. -
Submit your claim after your trip.
Use the claim process shown in your policy documents and submit your claim.