You’ve booked your flights, found some charming accommodation to nestle down in and taken out a travel insurance policy, when you hear of potential travel disruptions, resulting from planned strike action. You’re concerned this could affect your travel plans.
If your Certificate of Insurance was issued prior to the time and day a strike was announced, you may be covered. If you purchase your policy after a strike has been declared, there is no coverage available as the strike is a ‘known event’.
When a union, for example, releases a formal statement declaring the day and time of the strike, that is considered a public announcement. Policies purchased after such announcements will not provide cover in the event of cancellations or trip disruptions and any incurred costs.
Our Explorer Plan offers cover for delays, missed departures and missed connections in the event of industrial action, provided you purchased your travel insurance plan prior to the announcement of the strike action. There is no cover under our Standard Plan for trip disruption due to strikes.
The Explorer Plan may have cover to help with expenses if your plans are interrupted by strike action:
The expenses that may be reimbursed include travel, lodging, and excursions. The amount you receive could be up the maximum benefit amount specified in your policy. Check your policy for more details.
If you think your travel plans might be affected by a strike, you should first:
In the event of a claim, you must do everything you can to minimise and reduce the cost of the claim and provide all supporting documentation of the event and expenses incurred. See our article on how to make a claim for more information.
If you’re in an emergency situation, injured or sick and need help, contact the 24/7 Emergency Medical Assistance team as soon as possible. Their details are listed on your Certificate of Insurance.
If you have any other concerns, please contact us.
The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
We’re here to help if you have a question about your policy.