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Travel insurance with gadget cover

Missed flight cover

Here to help if you get left behind

Missed a flight? We’ve got your back

Missing a flight can leave you feeling frustrated. And if you have to shell out for a replacement, that only adds to your worries. But with missed departure cover from Sainsbury’s Bank Travel Insurance, you could get extra protection if your flight leaves you behind.

You’ll also get:

  • Up to 20% off if you’re a Nectar member. Exclusions apply*

  • Access to a 24-hour helpline in case of medical emergencies while you’re away

How does travel insurance with missed departure work?

If you miss your flight, there are certain circumstances where we’ll cover the cost of extra flight and accommodation expenses. When you book a replacement flight or accommodation, you’ll need to pay for it initially then claim back the cost later. So, before you head off on your travels, double check you’ve got enough money in the bank for any unexpected costs.

Like all travel insurance policies, the amount you can claim back for your missed flight will depend on the type of cover you select.

What’s included?

If you miss your flight at your last departure point from the UK, or on your return to the UK, your costs will be covered up to the limits set out below and in your certificate of insurance.

Cover Silver
(maximum sum insured)
(maximum sum insured)
(maximum sum insured)
Missed departure with Single Trip or Annual Multi-trip policy


£1,000 £1,250
Missed departure with Extended Stay policy n/a £250 £500


Terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

This cover will only be provided if you miss your flight as a result of:

  • Public transport failing to get you to your departure point due to:
    • Strike
    • Industrial action
    • Adverse weather conditions
    • Mechanical failure
    • Direct involvement in an accident
  • The private vehicle you’re travelling in being involved in an accident or breaking down
  • A significant delay involving your vehicle because of unexpected and unforeseen heavy traffic or road closures

When it comes to making a claim on your travel insurance, you’ll need to provide supporting evidence. For example, the delays were so severe that they were reported on a news bulletin or by the Highways Agency or motoring association.

What we won’t cover

While we want to protect you as much as possible, there’s no insurance policy that can cover everything.

Read the full terms and conditions of your policy document as there are some exclusions.

For example, we can’t cover the cost of extra travel and accommodation expenses:

  • For any trips within the UK (except to the Channel Islands)

  • If the strike, industrial action, delays or weather disruption starts or is publicly declared on or before:

    • The date your policy is issued

    • Or the date you booked your trip (whatever’s later)

  • If you don’t allow enough time for the public transport to arrive on schedule and get you to your departure point on time

  • When the failure of the vehicle you’re travelling in is due to it not having been properly serviced and maintained

Missed a connecting flight?

If you miss a connecting flight because your first flight was delayed, your airline may be able to organise a replacement. And you could be entitled to missed connection compensation from the airline.

If you’re not eligible for replacement flights or missed connection compensation from your airline, we could help cover the cost. But remember that missed departure cover can only be provided if you miss your flight as a result of the circumstances mentioned above.

Get protected

Don’t get left out of pocket if your flight leaves you behind. With our travel insurance, you can enjoy your trip knowing that you’ve got missed departure cover in place - just in case something goes wrong.

Helpful travel guides

Travel disruption

Travel disruption cover

What to do if your flight's delayed, cancelled or overbooked

Delayed flights

Delayed flights

Understand your rights around delayed flight compensation

travel guides

More travel guides

Get more handy hints and tips on all things travel

Any questions?

Check out our most frequently asked questions about travel insurance. If you still need to talk to us, our friendly team will be happy to help.

Call 0345 305 2621.

Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded. Calls are charged at local rates from landlines and mobiles.

Helpful phone numbers.

Terms and conditions

* Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting;

Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 2nd Floor, Decora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.