Travel Insurance FAQs
FAQs - Travel insurance and disruption caused due to volcanic ash
Current news reports are warning that air passengers face cancellation of flights or delays as a result of erupting volcano Grimsvotn in Iceland.
Please find below some advice from MORE TH>N regarding travel insurance.
In all circumstances, we recommend passengers contact their airline carrier or tour operator in the first instance to check on the status of their flight(s) and travel arrangements.
If you need to make a claim
- For customers who want to make a claim, or discuss an existing claim please call +44 (0)844 338 5500. Lines are open 24 hours a day, 365 days of the year.
For all medical emergency queries
- For all customer medical emergency queries please call +44 (0)844 338 5900. Lines are open 24 hours a day, 365 days of the year.
Frequently Asked Questions
- If my flight is cancelled, what is the position regarding my travel insurance?
- If my airline rearranges my flight for a later date, do I need to get new travel insurance?
- If my flight is cancelled and I therefore decide that I no longer wish to travel at all, where does that leave my travel insurance?
- I’m going on a trip next week and, am about to buy my travel insurance; will it cover me for this?
- If I am currently abroad and find that I can’t get a flight home, is there a limit on how much my policy will pay for accommodation or for other living expenses?
- If I am stranded abroad, and my single trip policy expires while there, what will happen if I get ill before I return?
- I’m unhappy and would like to complain. How can I do this?
- Where can I get more information on the issues connected with this incident?
If my flight is cancelled, what is the position regarding my travel insurance?
If your flight is cancelled, most airlines will offer you either a full refund or an alternative flight. You can find more information on the Air Transport Users’ Council website: www.auc.org.uk
If my airline rearranges my flight for a later date, do I need to get new travel insurance?
If you accept an alternative flight at a later date, MORE TH>N will amend your policy to cover your new travel arrangements and dates. Please however advise us of the new travel dates by calling +44 (0)844 338 5533.
If my flight is cancelled and I therefore decide that I no longer wish to travel at all, where does that leave my travel insurance?
If your flight is cancelled and you do not travel, MORE TH>N will refund your premium if you took out a single trip policy. Please contact us on +44 (0)844 338 5533 to obtain a refund.
I’m going on a trip next week and, am about to buy my travel insurance; will it cover me for this?
Insurance only covers unknown events that happen after the policy is taken out. If you have not yet taken travel insurance but have already bought your travel arrangements and only intend to buy insurance now you will not be covered for cancellation or potential losses caused by the erupting volcano in Iceland. We always advise consumers to purchase insurance when booking trips to address this sort of issue.
If I am currently abroad and find that I can’t get a flight home, is there a limit on how much my policy will pay for accommodation or for other living expenses?
Your airline or tour operator may provide hotel accommodation so check with them in the first instance. We will be making ex gratia payments to those customers stranded abroad under the Travel Delay section of the insurance policy, subject to standard policy limits. Please read the terms of your insurance policy carefully.
If I am stranded abroad, and my single trip policy expires while there, what will happen if I get ill before I return?
We will automatically extend the cover until you arrive back in the UK.
I’m unhappy and would like to complain. How can I do this?
In the first instance complain to us. If your complaint is not resolved to your satisfaction then you have the right to complain to the Financial Ombudsman Service.
Where can I get more information on the issues connected with this incident?
The following websites should be able to provide you with the latest information on travel issues connected with this incident:
Air Transport Users Council - www.auc.org.uk
Association of British Travel Agents - www.abta.com/home
Foreign & Commonwealth office - www.fco.gov.uk
Civil Aviation Authority - www.caa.co.uk
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