Don't want to travel?
A lot of people don’t realise this, but cancelling a trip because you decide you don’t want to go can be very expensive! In insurance-speak, this is called ‘disinclination’ – i.e. you’re disinclined to travel.
Covered for cancellation
Safe Journey terrorism travel insurance covers cancellation due to disinclination. This may not sound like a big deal, but in the insurance world, it’s huge! Until now, no UK travel insurance has covered disinclination at all, and it has taken almost a year to make it happen.
Of course, you can’t just decide you don’t want to go on your trip for no particular reason – Safe Journey specifically covers acts of terrorism, so disinclination must be because of an act of terrorism, and there are a few rules…
How it works
1. You have to buy your policy before the act of terrorism happens
- This is a rule for all types of insurance, e.g. you can’t insure a car that has already broken down.
- So you can’t read about an attack, then buy a policy and expect to be covered for that attack.
- You will be covered for any acts of terrorism that take place after you buy your policy, before or during your trip.
2. The act of terrorism must take place within 40 miles of your scheduled destination.
- This applies if terrorism occurs anywhere within a 40-mile radius of your booked accommodation.
- It also applies to your travel route, i.e. if you have to travel within 40 miles of an act of terrorism to get to your destination.
3. Your booking must be within six weeks of the attack
- You must be scheduled to depart within 42 days of the act of terrorism taking place
- If an act of terrorism took place today and you were scheduled to depart tomorrow, cancellation would be covered.
- If an act of terrorism took place today and you were scheduled to travel six months from now (or any time greater than 42 days after the incident), cancellation would not be covered.
- This allows you to decide not to travel within what has been calculated as a reasonable period of time to avoid danger following an attack.
- If the UK Foreign and Commonwealth Office (FCO) advises against travel to a city, state, province or country, cancellation cover would not apply for that area.
- Your package tour operator would provide alternatives or refunds if an area was ok when you booked but FCO advice was then issued.
- The FCO can advise against all travel, or against “all but essential travel”. For the purposes of cancellation, they’re the same.
- Please note that if the FCO issues advice against travel to an area and you go anyway, most travel insurance policies – including Safe Journey – would become invalid.
We hope that this sheds some light on the cancellation cover provided by Safe Journey! Please note that this is only a small part of the policy and there are a number of other sections with their own terms, conditions and exclusions. For full details, please visit our FAQ page, or read our Policy Wording.
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