Does standard travel insurance cover missed flights/connections?
Some travel insurance policies provide some of form of cover should you miss a flight, whether that is your initial outward flight, a connecting flight or the flight that is due to bring you home.
If you miss a flight and it’s not the airline’s fault, then the company has no obligation to provide any compensation. However, your travel insurance policy may provide cover for any additional costs you incur in reaching your destination, and any additional accommodation costs you need to pay, as a result of missing your intended flight.
The amount you can claim for a missed flight will be limited to a set maximum amount, which might typically be anything between £250 and £1,000 depending on your individual policy.
An insurance provider may accept a claim for a missed flight if the delay was due to:
- Public transport delays
- Road accidents, whether these affect your vehicle or if they delay your journey. However, if you’re delayed by someone else’s accident, cover may only be available if it occurred on a motorway or dual carriageway
- Vehicle breakdown
- Adverse weather
You’re unlikely to be able to claim if you missed the flight as a result of:
- Not getting yourself organised
- A protest or civil unrest that had not been publicly announced in advance
- General ‘heavy traffic’ that was not caused by an accident.
Whatever the reason for missing your flight, and whether you can claim or not, missing it is likely to cause you a great deal of inconvenience, so always leave plenty of time for your journey and allow extra time for the possibility of general traffic delays.
Some insurance providers also offer cover for missed connections, say if you missed a connecting flight because your first flight was delayed. Just make sure you check the T&Cs in your policy to make sure it’s included.
You may also be covered if you miss a connecting journey on another method of transport, e.g. train, bus, ferry as a result of your flight being delayed.