Hopefully, this is now all hypothetical as I've managed to get flights re-booked, but it's left me realising how exposed I am, and I'd like to protect against future problems.
I'm travelling to the Ukraine in June. The only affordable way to do it was on three separate bookings. I'm booked outbound on a one-way BA flight to Kiev. Then there's an internal flight to Donetsk. Getting back from Donetsk to Birmingham is a business-class mileage booking through bmi (- so not entirely off-topic!). The routing is DOK-(TK)-IST-(LH)-FRA-(LH/BD).
A couple of weeks ago, I spotted that that the TK flight had been cancelled. BD were able to get me re-booked on to an earlier TK flight and bring the other two flights forward to better connect. (Apart from not notifying me of the problem, the BD call centre was excellent. Couldn't fault them for the re-booking process.)
However, I was left wondering what would happen if the inbound flights are cancelled again. My Amex Platinum Charge Card travel insurance would seem to be next to useless. This provides cancellation cover only if the outbound leg is delayed by a 12 hours, and then only for industrial action, adverse weather, mechanical breakdown of public transport, or a transportation accident. Travel cancelled by the supplier is not covered, even on the outbound journey.
Is there travel insurance available in the UK that will cover me for non-cancellable travel costs if any essential part of my travel is cancelled and which cannot be replaced without additional expenditure and which means that I need to cancel the whole trip?