Travel Disruption Cover

After some high profile airlines went into insolvency and the volcanic eruption in Iceland closed European airspace, many of us started to think seriously about what would happen if we became stranded abroad.

Sainsbury’s standard travel insurance offers travel disruption cover to provide some additional protection.

The insurance provides cover for costs not forming part of a package holiday and is aimed at travellers who book flights and accommodation separately.

Enforced stay

The Enforced Stay cover provides additional protection in the event that you are stranded abroad due to any of the following being closed for more than 24 hours:

  • airspace
  • airport
  • port
  • channel tunnel

Your travel provider may be able to offer alternative travel arrangements. However, if after 24 hours you find you have to make your own arrangements to return home, Sainsbury’s travel disruption will cover the cost of this expense, up to a maximum of £1,000 per person.

Keep your receipts and send these with your claim.

The policy can also offer some comfort by helping cover the cost of additional living expenses such as food, accommodation and phone bills.

You’ll be entitled to receive £100 for every 24 hour period that you’re unable to return home up to a maximum of £1,500. This will be paid out under the policy whether you incur the expenditure or not.

If you do get stuck abroad because the airport or port was closed you may be able to claim any unused travel expenses from your travel provider. You should do this first, before making a claim on your insurance policy.

Airline insolvency

Another common concern is what to do if the airline you’re travelling with becomes insolvent while you’re abroad. If you can’t recover the cost from your credit card provider or other source, Sainsbury’s standard travel insurance will cover the cost of a replacement flight to get you home, up to a maximum value of £1,500 per person.

To qualify for this protection flights must be:

  • booked in the UK
  • booked through a bonded travel agent or directly from a scheduled airline
  • bought from an airline that is still solvent at the time you booked the flights and bought the insurance

Substitute accommodation

Travel disruption cover can also provide protection if you need to leave your accommodation in the event of:

  • insolvency of your accommodation provider
  • fire, flood, earthquake, explosion, hurricane, tsunami, landslide, avalanche, volcanic eruption or storm
  • an outbreak of food poisoning or infectious disease which means you can no longer stay there

Where you’re unable to recover costs from your accommodation provider, Sainsbury’s travel disruption will cover the cost of alternative accommodation and any transport costs incurred up to the value of £5,000.

You’ll need to pay for accommodation and transport initially and then claim back the cost later, so you may want to ensure you have access to enough cash or credit to allow you to do this.

Unused travel and accommodation

If you find that you’re unable to go on your trip or you need to come home early, travel disruption cover can also offer some comfort and protection.

The cover will apply if you abandon your trip for any of the following reasons:

  • the Foreign & Commonwealth Office (FCO) or other similar body prohibits travel or recommends evacuation
  • your airline or accommodation provider becomes insolvent
  • fire, flood, earthquake, explosion, hurricane, tsunami, landslide, avalanche, volcanic eruption, storm or an outbreak of food poisoning or infectious disease means you can’t stay in your accommodation
  • a strike results in your travel from the UK being cancelled
  • the Channel Tunnel or airport, port or airspace which you expected to travel through is closed for 24 hours

Sainsbury’s travel insurance could cover the cost of any unused and irrecoverable;

  • travel and accommodation
  • airport parking and car hire
  • kennel or cattery fees and
  • excursions

up to the value of £5,000.

You’ll be able to claim for these costs if you’re unable to recover them from your travel or accommodation provider or where alternative arrangements have not been offered.

You can find full terms and conditions for all the protection offered under travel disruption cover in section 11 of the policy document.

Travel insurance overview