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Could you be caught out by your travel insurance?

Nic McBride

Nic McBride
Sep 20, 2017

If you think your travel insurance covers you for missed connecting flights, you're almost certainly wrong.

But you would be far from alone.

Nine out of 10 Brits think their travel insurance covers the cost of missed connecting flights, according to the survey by Travel Insurance Explained. 

While, 69% expect their insurance to cover not only the cost of rebooking the missed flight, but also all connected travel and accommodation expenses. 

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However, the reality does not match up. 

The majority of standard travel insurance policies will not cover the cost of rebooking a missed connecting flight. 

Nor would they cover any of the costs relating to this holiday hiccup. 

In the wake of the Ryanair crisis, it is a timely reminder of the importance of being properly insured. 

While Ryanair passengers are entitled to cash from the airline without having to claim on their insurance, other travellers might be shocked to learn they might not be fully covered. 


Check your policy 

Fiona Macrae, of Travel Insurance Explained, urged travellers to check their policy closely. 

“This latest aviation fiasco with Ryanair has highlighted how UK travellers suddenly find themselves out of luck, and out of pocket." 

The survey of 2000 people, found that half believe thewould be covered if they missed the departure of their flight due to late arrival at the airport or increased security at check-in. 

Whilst some travel insurance policies would foot the bill for missed departure due to late arrival at an airport, they will only cover very specific reasons, Macrae said. 

Hardly any would pay for a missed flight because of long queues at passport control or security. 

Travellers heading abroad should make sure that they know what a travel insurance policy will and won’t pay out forMacrae said. 

"Customers often just look at the headline limits on their policies and assumed they could claim up to that amount for that incident", she said. 

Wider coverage policies may be slightly more expensive than standard policies, but could be a couple of pounds well spent if you needed to make a claim, she said. 

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