We’ve got your back – no matter how you book

If you book a package holiday through a travel agent or tour operator, you’ll usually be financially protected if things don’t go to plan.

But when you book your flights and accommodation separately, your hard-earned cash might not be so safe. That’s where travel insurance with disruption cover comes in.

How does travel insurance with disruption cover work?

Travel disruption insurance protects you when the unexpected happens. For example, if you can’t get home from your trip or can no longer stay in your hotel.

It could help cover the costs of your expenses if you can’t recover them from your airline, accommodation, or travel provider.

Why choose Sainsbury’s Bank Travel Insurance with travel disruption cover?

You can add travel disruption cover on to your Sainsbury’s Bank travel insurance policy, meaning we could offer financial help if you:

  • Can’t get home from your trip
  • Are no longer able to stay in your accommodation
  • Need to cancel or cut your trip short

You'll also get:

  • Up to 20% off if you’re a Nectar member*
  • Double Nectar points on your Sainsbury’s shopping and fuel if you buy an annual-multi-trip policy**
  • Access to a 24-hour helpline in case of medical emergencies while you’re away
Get a quote

What's included?

We’ll help cover your costs – up to the limits set out below and in your certificate of insurance:

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

Cover Gold
(maximum sum insured)
Platinum
(maximum sum insured)
Cancellation or cutting short your trip £5,000 £7,500
Substitute accommodation cover £5,000 £7,500
Enforced stay delay benefit £150 per day up to £1,500 £150 per day up to £1,500
Enforced stay additional travel expenses £2,000 £2,000
Enforced stay prescription medication £200 £200
Cover Gold
(maximum sum insured)
Platinum
(maximum sum insured)
Cancellation or cutting short your trip £3,000 £5,000
Substitute accommodation cover £3,000 £5,000
Enforced stay delay benefit £150 per day up to £1,500 £150 per day up to £1,500
Enforced stay additional travel expenses £2,000 £2,000
Enforced stay prescription medication £200 £200

If you can’t travel to your destination, stay in your accommodation, or you need to abandon your trip due to:

  • The Foreign, Commonwealth and Development Office or other similar body advising against travel or recommending evacuation±
  • Extreme weather disruption or a natural disaster (for example, a fire, flood, earthquake, explosion, hurricane, tsunami, landslide, avalanche, volcanic eruption or storm)
  • An outbreak of food poisoning or infectious disease±
  • A strike resulting in your travel from the UK being cancelled
  • The Channel Tunnel or airport, port or airspace which you expected to travel through being closed for 24 hours±

We’ll help cover the cost of:

  • Travel and accommodation
  • Airport parking and car hire
  • Kennel or cattery fees
  • Excursions

We’ll also help cover the cost of alternative accommodation and transport if you’re no longer able to stay in your accommodation because of:

  • Extreme weather or a natural disaster (for example, a fire, flood, earthquake, explosion, hurricane, tsunami, landslide, avalanche, volcanic eruption or storm)
  • An outbreak of food poisoning or an infectious disease±

This cover will only apply if you can’t recover costs from your accommodation provider.

You’ll need to pay for accommodation and transport initially then claim back the cost later. So, make sure you’ve got access to enough cash or credit to allow this.

You’ll also get protection if you can’t get home because any of the following are closed for more than 24 hours:

  • Airport
  • Airspace
  • Channel Tunnel
  • Port

If your travel provider doesn’t offer you alternative travel arrangements, you may have to make your own way home. If that happens, we can help cover the cost of your travel expenses.

We’ll also give you £150 each day you’re stuck for additional expenses (up to a maximum of £1,500). This could pay for things like food, a place to stay or phone bills.

And if you need additional prescription medicine, we’ll help cover the cost of replenishing that too. This will only apply if you’ve declared a pre-existing medical condition and packed sufficient supplies to cover the original duration of your trip.



What if my airline goes bust?

If the airline you’re travelling with becomes insolvent while you’re abroad, don’t worry. Our end supplier failure cover will protect you.

Like travel disruption cover, this is included as standard with our Gold and Platinum travel insurance.

Ready to get protected?

If you need travel insurance with travel disruption cover, you’re in the right place.

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

Get a quote


Helpful travel guides

Flight disruption

Find out what you’re entitled to if your flight is delayed or cancelled

Find out more
Flying with children

Taking the kids? Get prepared. Here’s all you need to know

Find out more
More travel tips

Make sure you’re always in the know with our handy travel guides

Find out more

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.

Lines are open: 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.

± Sainsbury’s Bank Travel Insurance does not provide any cover for claims arising from or related to coronavirus or any other epidemic or pandemic as declared by the World Health Organisation.

*Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to the 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.

**Double Nectar points 1. Only available to customers buying a Sainsbury's Bank Annual Travel Insurance policy. 2. You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, with each Sainsbury’s purchase. 3 .Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will begin on the date you tell us. 4. Double points stop when the policy is cancelled or you stop paying premiums. 5. Each Nectar account can only collect points from one travel insurance policy. 6. It’s only the base points you collect at Sainsbury’s that are doubled. Bonus points won’t be doubled, nor will any points from Argos, Habitat, Sainsbury’s Bank (including travel money purchases), Sainsbury’s Energy or any other Sainsbury’s service. 7. By the 10th of each month, you'll get a bonus point award equal to the total of your qualifying points during the previous month, up to a maximum of 20,000 points. 8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 9. We reserve the right to change or cancel this offer without notice.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance SE (GLISE) a German insurance company. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. Authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority: register number 769884. Details about the extent of GLISE’s authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from the insurer on request.

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 1st Floor Maitland House, Warrior Square, Southend-on-Sea, Essex, SS1 2JY. Hood Travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer.