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Independent Traveller cover

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Don’t let the unexpected leave you unprotected

Our Travel, Travel Plus and Extended Trip options all come with Independent Traveller cover, which is designed to cover you for events such as airline strikes, volcanic ash clouds, extreme weather conditions or even just something like your hotel going out of business.

 

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If you like to organise your own travel and accommodation, you’ll want the same control over your travel insurance too. In the case of an extreme event, such as the closure of airspace, if you haven’t booked with a travel agent you mightn’t be covered for cancellation costs or 'get-you-home' expenses. That’s where Independent Traveller comes in.

What situations does it cover?

Events Cover
Volcano erupts and airspace is closed owing to ash cloud for 24 hours
  • Cancellation (irrecoverable costs)
  • Travel delay (no check-in requirement)
  • Get-you-home expenses
  • Emergency medical supplies
Airport closed for 24 hours (eg snow, ice, fog)
  • Cancellation (irrecoverable costs)
  • Travel delay (no check-in requirement)
  • Get-you-home expenses
  • Emergency medical supplies
 
 
Airport closed owing to strike for 24 hours		  
  • Cancellation (irrecoverable costs)
  • Travel delay (no check-in requirement)
  • Get-you-home expenses (no check-in requirement)
  • Emergency medical supplies
Avian Flu outbreak in X results in WHO recommendation against travel to certain destinations
  • Cancellation (irrecoverable costs)
  • Curtailment (proportional unused costs)
  • Alternative accommodation (if booked accommodation cannot be used)
 Tsunami
  • Cancellation (if accommodation becomes uninhabitable)
  • Travel delay (if return delayed for 24 hours, no check-in requirement)
  • Curtailment (if accommodation due to stay in becomes uninhabitable, covers proportionate unused costs)
  • Alternative accommodation (if accommodation due to stay in becomes uninhabitable)
  • Emergency medical supplies
 
Airline Strike
  • Cancellation (irrecoverable costs)
  • Proportionate unused costs
  • Get-you-home expenses (if return delayed for 24 hours, no check-in requirement)
 
Airline Failure
  • Cancellation (irrecoverable costs)
  • Proportionate unused costs
  • Get-you-home expenses
 
Hotel Provider Fails
  • Cancellation (irrecoverable costs)
  • Proportionate unused costs
  • Alternative accommodation
FCO or other body recommend against travel
  • Cancellation (irrecoverable costs)
  • Proportionate unused costs
Closure of Channel Tunnel for 24 hours
  • Cancellation (irrecoverable costs)
  • Proportionate unused costs
  • Get-you-home expenses

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