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Avanti Travel Insurance blog

2 Mar

Travel Disruption across the UK due to heavy snow

If you’re due to travel we recommend that you check your flight status before making your way to your chosen airport. Please take care when travelling to and from the airport.

If your flight has been delayed or cancelled please contact your travel agent, tour operator and or airline in the first instance, to check if alternative flights or refunds are available.

If you’re due to travel to the airport via car, it’s worth checking the AA website for a comprehensive guide about driving in snowy conditions. https://www.theaa.com/driving-advice/seasonal/winter

 

Summary of cover under your Avanti and Avanti Cruise Policy

(Extracts from the Policy Wordings. Please carefully check your policy for full terms and conditions.)

 

Section 3 – Missed Departure (level of cover under this section)

 

  • Essential. Cover is not available under this section of the policy
  • Classic. £1,000 per person insured (Excess £75 per person insured)
  • Deluxe. £1,500 per person insured (Excess £0)
  • CRUISE Classic. £1,000 per person insured (Excess £75 per person insured)
  • CRUISE Deluxe. £1,000 per person insured (Excess £0)

 

This section does not apply to trips within your country of residence (except for trips between the United Kingdom, Isle of Man and the Channel Islands).

You are covered up to the amount shown on the summary of cover table (As shown in your policy booklet) for:

1. Necessary accommodation and travelling expenses (not including food, drink and telephone expenses) incurred in reaching your booked destination if:

i. The vehicle you are travelling in breaks down; or
ii. The vehicle you are travelling in is involved in an accident; or
iii. You are delayed as a result of a major incident on a motorway; or
iv. The public transport being used is delayed;

Resulting in you arriving at your departure point too late to commence your booked journey from or to your country of residence.

 

Please note: for residents of Northern Ireland, this section also applies to an international departure point within the Republic of Ireland.

2. Necessary accommodation and travelling expenses (not including food, drink, and telephone expenses) incurred in returning to your country of residence if:

i. You are delayed as a result of road closures due to an act of terrorism; or
ii. The public transport being used is delayed or cancelled due to an act of terrorism;

Resulting in you arriving at your departure point too late to commence your booked return journey to your country of residence.

You are not covered

You are not covered unless you fulfil the following conditions:

1. You must supply us with:

a. A letter from the public transport provider confirming that the service did not run on time and the reason for the delay;
b. Written confirmation of the delay from the authority that attended the accident or breakdown affecting the car you were travelling in;
c. Written confirmation from the Police or motoring authorities (e.g. Highways Agency) to confirm a major incident on a motorway causing delays or closure on the motorway or road closures due to an act of terrorism.

You are not covered if:

1. Sufficient time has not been allowed for your journey in order to meet the check-in time specified by the transport providers or agent.

2. You have not arrived at the departure point within 24 hours of leaving your home.

You are not covered for:

1. The excess shown on the summary of cover table (unless the excess waiver applies);

2. Any delay caused by a riot, civil unrest, strike or industrial action which began or was announced before the start date of your policy and the date your travel tickets or confirmation of booking were issued;

3. Additional expenses where the public transport operator has offered reasonable alternative travel arrangements;

4. Anything mentioned in the General Exclusions section of the policy.

 

Section 4 – Travel Delay and Abandonment (level of cover under this section)

(Extract from the Policy Wordings. Please carefully check your policy for full terms and conditions.)

What is covered as a result of your trip being affected by the current adverse weather conditions

 

Travel Delay

  • Essential. Cover is not available under this section of the policy
  • Classic. £10 for the first full 12 hours, £10 for all other full 12 hours up to £100 for each person insured (Excess £0)
  • Deluxe. £10 for the first fill 12 hours, £10 for all other full 12 hours up to £150 for each person insured (Excess £0)
  • CRUISE Classic. £10 for the first full 12 hours, £10 for all other full 12 hours up to £100 for each person insured (Excess £0)
  • CRUISE Deluxe. £10 for the first fill 12 hours, £10 for all other full 12 hours up to £100 for each person insured (Excess £0)

 

Abandonment

  • Essential. £1,000 for each person insured(Excess £150 per person)
  • Classic. £6,000 for each person insured (Excess £75 per person)
  • Deluxe. £10,000 for each person insured (Excess £0)
  • CRUISE Classic. £6,000 for each person insured (Excess £75 per person)
  • CRUISE Deluxe. £10,000 for each person insured (Excess £0)

 

You are covered:

1. For the benefit shown on the summary of cover table (regardless of the number of incidents of delay, if your flight, sea crossing, coach or train departure is delayed for more than 12 hours beyond the intended departure time (as specified in your travel ticket; or
2. Up to the amount shown on the summary of cover table for your proportion of costs for your travel, accommodation or pre-booked excursions (including ski hire, ski school, and lift passes for annual multi-trip policy holders only aged under 71 years) which have not been used and which you have paid or contracted to pay if you abandon your trip as a result of your flight, sea crossing, coach or train departure from your final international departure point in your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket)

Special condition relating to claims for Classic and Deluxe policyholders only. Cover is provided for 1 and 2 as a result of the current adverse weather conditions being the underlying and continuous cause.

Please check your policy for information on “What is not covered” under the Travel Delay and Abandonment section.