Delayed departure insurance is intended to provide you with compensation if you are delayed at your point of departure and is only applicable if you have travelled there and checked-in. If you have not travelled to your departure point you will not be covered even if you have checked-in using the internet.
If departure of the public transport on which you are booked to travel is delayed at the final departure point from or to your home area for at least 12 hours from the scheduled time of departure due to:
- strike or
- industrial action or
- adverse weather conditions or
- mechanical breakdown of, or a technical fault occurring in, the public transport on which you are booked to travel
The compensation that you will be entitled to would be up to the amount shown in the summary of cover and this will help you pay for telephone calls made and meals and refreshments purchased during the delay. This will only apply provided that you eventually travel.
If you abandon your trip you are likely to receive up to the amount shown in the summary of cover for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay if, after a delay of at least 12 hours, you choose to cancel your trip before departure from your home area.
If you have to abandon your outward trip where the delay has been caused by a strike or industrial action, poor weather conditions or a mechanical breakdown, you will be able to receive reimbursement of any unused travel and accommodation expenses, including any local prepaid excursions, tours or activities, up to the amount shown in the table of benefits after any amount that you can get back is taken off.
You will not be able to claim under both sections for the same event. For Channel Island residents the cover will apply only to journeys outwards and inwards to the UK.
In order to receive reimbursement there are some special conditions that will apply before any reimbursement can be paid.
- You must check in according to the itinerary given to you unless your tour operator has requested you not to travel to the airport.
- You must get written confirmation (at your own expense) from the carriers (or their handling agents) of the number of hours of delay and the reason for the delay.
- You must comply with the terms of contract of the travel agent, tour operator, carrier or transport provider.
There may be some claims that will be payable by the airlines and these will be described in the EU travel directives reference shown in the policy document. Any amount received from an airline will be deducted from any final settlement payable under your policy.
There are some things that your delayed departure coverage will not cover:-
- The policy excess as shown in the summary of cover for each and every claim per incident claimed for under this section by each insured person.
- Claims arising directly from:
- Strike or industrial action or air traffic control delay or adverse weather conditions existing or being publicly announced or forecast by the date you purchased this insurance or at
the time of booking any trip.
An aircraft or sea vessel being withdrawn from service (temporary or otherwise) on the recommendation of the Civil Aviation Authority, Port Authority or any such regulatory body in a country to/from which you are travelling.
Volcanic eruptions and/or volcanic ash clouds.
The cost of Air Passenger Duty (APD) whether irrecoverable or not.
Any claim that results from you missing a connecting flight.
Any claim for compensation under your delayed department insurance will need to be fully documented and your policy will provide you with examples of the documentation that will be needed to obtain compensation.