Disruption and Travel Insurance

Old Aug 15, 06, 5:42 am
  #1  
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Join Date: Mar 2004
Location: London, UK
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Question Disruption and Travel Insurance

Just noticed this on ba.com and it seems that, with the exception of checked valuables, BA Travel Insurance is claiming exemption on all delays etc caused by the current disruption. We have Amex Travel Insurance and they pretty much said the same thing last week. So, maybe time to review the providers and I was wondering does anyone know of any insurance company which hasn't just told its customers to forget claims during this period?

British Airways Travel Insurance
Due to the increased levels of security measures at airports your ability to claim under many sections of your travel insurance policy may be affected, regardless of your actual travel insurance provider.

In order to assist customers who have purchased a British Airways Travel Insurance policy we would like to clarify the following important points.

Valuable items placed as checked baggage
Under normal circumstances cover is not extended to any items listed as valuables that are placed in checked baggage. Whilst the increased security measures are in place British Airways Travel Insurance will consider claims against items listed as valuables in the policy guidelines that are placed in British Airways’ care as checked baggage items.
All claims will be considered on a case by case basis and are subject to the limits of the policy. All necessary documentary evidence required to substantiate a claim will still need to be produced.

Delay Benefit and Cancellation
1) The cover provided by British Airways Travel Insurance policies in respect of departure delay does not extend to include delays occurring as a consequence of these increased security measures.
2) The cover provided by British Airways Travel Insurance policies in respect of departure delay does not extend to include cancellation arising as a consequence of these increased security measures.
3) The cover provided by British Airways Travel Insurance policies for passengers in respect of delay does not extend to the passengers who may be delayed in arriving at the airport due to traffic congestion resulting in a missed flight.
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Old Aug 15, 06, 6:04 am
  #2  
 
Join Date: Mar 2002
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I think pretty much every single UK insurer excludes terrorism-related incidents from coverage. Some of them got hit quite hard by claims after the Bishopsgate and Canary Wharf bombs (1996?). If you want terrorism risks to be covered on a policy you generally have to take out separate insurance and pay a fairly hefty premium. I live close to a major railway station and I know that the development I live in has paid to take out this extra cover in addition to standard buildings and contents insurance.
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