Club Direct Travel Insurance
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SECTION 9

TRAVEL DELAY AND ABANDONMENT

(THIS SECTION IS NOT INCLUDED ON THE DISCOVERY [Backpackers] AND ESSENTIALS [annual multi trip] POLICIES)

This section does not apply to trips within your country of residence.

Covered

A: In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:

  1. adverse weather conditions;
  2. mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
  3. strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip);

we will pay £20 per insured person for each complete 12 hours you are delayed up to a maximum of £200 or up to the limit under Section 1, Cancellation (less the excess) if you abandon the trip having been delayed for the first full 24 hours;

B: If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit under Section 1, Cancellation (£3,000) less the excess.

Conditions

  1. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
  2. In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.

Not Covered

  1. the policy excess of £50 if you abandon your trip;
  2. where you have not checked in, allowing sufficient time, for your outward or return journey;
  3. any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
  4. internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
  5. anything listed in "Exclusions applicable to the whole policy".

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Club Direct (UK) Ltd is authorised and regulated by the Financial Services Authority