Policy Wording Explained


Top Tip

What is Cancellation?

Cancellation cover is one of the main reasons people take out travel insurance as no one wants to be both disappointed and out of pocket if they are unable to go on their holiday!

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What is Curtailment?

The term curtailment is widely used within travel insurance policies and although we don't like to think about it, sometimes the worst can happen and you may find yourself cutting short your holiday and returning home early.

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Top Tip

What is Departure Delay?

In our opinion there is nothing worse than reaching the departure lounge just to see the dreaded word 'delayed' next to your flight number - especially if it' the early hours on the morning and you have a tired toddler to keep happy!

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What is an EHIC Card?

The European Health Insurance Card (EHIC) allows access to state-provided healthcare when travelling to a European Economic Area (EEA) country or Switzerland for any emergency medical treatment incurred whilst on holiday.

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Top Tip
Top Tip

What is Excess?

Similar to a car or home insurance, your travel insurance may also have an excess. An excess is the agreed amount of money you will pay towards a claim on a travel insurance policy and can be referred to as a ‘deductible’.

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What is Financial Failure?

Rather than booking a holiday through a travel agent or tour operator, almost 50% of British holidaymakers are choosing to book flights, accommodation and holiday extras separately in order to get a better deal.

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Top Tip

What is Force Majeure?

In layman's terms, force majeure means 'superior force' or 'chance occurrence, unavoidable accident'. The need for force majeure cover in travel insurance became more recognised following the Ash Cloud in Iceland in 2010.

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What is Luggage Delay?

You’ve been travelling since 3.30am, there’s no air conditioning in the airport and your suitcase is yet to make an appearance on the conveyor belt – not quite the start you were expecting to your week in paradise.

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Top Tip
Top Tip

What is Luggage Delay?

You’ve been travelling since 3.30am, there’s no air conditioning in the airport and your suitcase is yet to make an appearance on the conveyor belt – not quite the start you were expecting to your week in paradise.

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What are Medical Expenses?

We have all heard horror stories of people having to re-mortgage their homes following a stay in a hospital whilst on holiday, but how do we make sure this doesn't happen to us?

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Top Tip
Top Tip

What is Missed Connection?

People tend to overlook connecting flights. A connecting flight is taken within 12 hours of you leaving your international departure point in the UK, and enables you to continue on the next stage of your trip.

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What is Missed Departure?

You’ve got your case packed, dusted off your passport and you’re ready to head off on your dream holiday. But, the motorway is at standstill, your engine light has come on and you’ve missed your flight! What now?

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