cancelled flight

Travel Tips

Why You Need To Add Travel Disruption Cover To Your Travel Insurance Policy


Last year massive travel companies like Thomas Cook and WOW Air ceased trading, thousands of flights were cancelled over strikes, and currently the Coronavirus is causing havoc for travellers in 2020. If you don’t already have Travel Disruption Cover – get it now!


Insurance is one of those purchases that unfortunately you only really value when something goes wrong.  I always book my travel insurance with and just renew it each year without asking any questions. However in light of recent events, I like many of you, found myself asking what exactly am I covered for?


Read: What to do if you have booked a holiday and are worried about Coronavirus
Most insurance policies will not cover you for ‘acts of God’ like hurricanes or volcano eruptions, or for airline strikes or closures. Remember the Icelandic ash cloud? 100,000 flights were cancelled and many people were left stranded for weeks. however, have a Travel Disruption Cover which can be added to all policies from as little as €10 (single trip policy) and €17 (annual policy) and will provide you with additional cover in the event of adverse weather conditions, airline cancellations and even strikes.


Book here


travel disruption cover



Like all insurance policies however, you can’t purchase Travel Disruption Cover after something goes wrong… Once you have added it to your policy it will be effective seven days later. So don’t wait until you hear that a case of Coronavirus has been reported in the country you are going too – add it to your policy now.  Note: new bookings will not be covered against Covid-19 if there is a travel advisory in place advising ‘all but non essential travel’ – i.e Spain or Italy.

Travel Disruption Cover offers extended cover under delayed departure, missed departure and accommodation sections, should your flight be cancelled or delayed as a result of strike or adverse weather conditions.



    • If your flight is cancelled or delayed for more than 12 hours it covers additional accommodation and travel costs up to €1,000.
    • If your flight is cancelled or delayed for more than 12 hours then you can claim back up to €1,000 for irrecoverable unused travel and accommodation costs should you cancel.
    • Claim back up to €1,000 for accommodation if you have to be moved from your current location or cut your trip short because of flood, earthquake, volcanic eruption etc
    • Covers cancellation or curtailment charges should the Foreign & Commonwealth Office or World Health Organisation advise against travel to the country or specific area you are travelling to.
    • Gives you control of the situation and the added security that you have sufficient cover should an airline cancel, delay or redirect your flight after take-off.




Book Travel Insurance Here


Note some of the links in this post contain affiliate links,where I receive a small commission if a booking is made, but at no additional cost to you.

Related articles on the blog:

Cancelled Flight? – What to do when things go wrong.

Flight cancelled with Ryanair – You may be entitled to compensation and expenses.

Top tips for booking travel insurance.



The Travel Expert





Travel Tips

Cancelled Flight? What To Do When Things Go Wrong


Cancelled flight? Overbooked or delayed? Read this handy guide which tells you what to do when things go wrong.


It’s no secret that travelling isn’t always plain sailing and passengers are often faces with delays, cancellations and, as we’ve seen in the news recently– not enough seats! has pulled together a handy what to do when things go wrong guide, highlighting exactly what your rights are should one of these inconveniences happen to you, as well as some top tips to ensure you are as prepared as possible.

My flight has been delayed or cancelled – what are my rights?

They key thing to know here is that-if your flight has been cancelled at extremely short notice, it is the airline’s responsibility to ensure that you have an alternative way home or to your destination. There are varying laws within and outside of EU which can cause confusion, especially in amongst the chaos of cancellations. Within the EU – if your flight is delayed for more than three hours you are within your rights to get the same compensation as those who have suffered entirely cancelled flights. However outside the EU – these laws differ and flying home from a non-EU country will result in an alternative route home but you are not entitled to food or accommodation during the wait. For more details click here.  For live updates if your flight has been cancelled or delayed, click here.

cancelled flight, what to do when things go wrong


As with most things, policies vary depending on the airline or travel provider you have book with when it comes to paying up due to a delayed or cancelled flight. With delays, which are considered two hours for short haul flights and four for long haul flights, airlines should compensate you with meal vouchers and accommodation should the delay be longer. A key point to remember is that bad weather, strikes or reasons the airline deems not their fault- meaning compensation would only be available through your travel insurance.

What am I entitled to?

  • Delays 3+ hours €250 for short flights and €400 for medium flights (between 1,500-3,500km)
  • Delays 3-4 hours €300 and 4+ hours €600 for long haul flights
  • Cancelled flight – full refund or alternative transport


Travel Insurance

As you know when you’re purchasing your travel insurance, different providers come with different policies and it’s important you triple check that the one you decide to go with covers for delays or cancellations. offer travel disruption cover which will cover you in the event of strikes and adverse weather conditions. Read more about why you need to add travel disruption cover to your insurance policy here.

 cancelled flight, what to do when things go wrong

Further travel

Connecting flights add to the headache if a flight has been cancelled or delayed, so what happens when you miss it? If missing the flight has been no fault of your own and you are connecting with the same airline, then they will be able to organise another flight for you, assuming that you have purchased one ticket from your origin to your destination. However, there is a grey area when you are flying with different airlines and have bought separate tickets,  it is likely you will have to foot the bill of the connecting flight. We can hold on to hope that some may offer you a seat on the next available flight for free but it is unlikely! Car hire and hotels affected by cancellations or delays will all come down to the conditions of the booking and this is another good example of how a good travel insurance policy will avoid any nasty surprises.

cancelled flight, what to do when things go wrong

Overbooked flights

We’ve seen in recent news that passengers are being asked to leave airplanes because of overbooking. So how can this happen? Airlines have been overselling flight tickets for years to compensate for passengers that don’t turn up, but this is not fool proof as, on occasion, everyone turns up. There are two options for you as a passenger in this situation

1. Accept compensation, usually ranging between €200 and €400. There is often an opportunity to haggle here if no one is volunteering to take the boot. The airline will almost certainly offer accommodation and a new flight on top of compensation, but this isn’t always guaranteed so be sure to check before you step off that plane. If you don’t receive compensation you can complain to the Aviation Regulation Authority here.

2. DON’T volunteer. You are entitled to refuse an airline’s offer to compensation in return for giving up your seat. If they insist that you cannot fly although you have paid for a ticket, this is considered being involuntarily denied boarding and can result in much higher compensation. If you don’t volunteer and are removed from the flight, you are also entitled to compensation during the wait between your initial flight and new flight.

cancelled flight, what to do when things go wrong

cancelled flight, what to do when things go wrong

Top tips to avoid being bumped

  • Check in early
  • Go to the gate early (people who arrive last to the gate are more likely to be denied)
  • Become a frequent flyer (you are more likely to be accommodated for)
  • Choose your flight time carefully (avoid times where you know the flight will be full)
  • Pick an airline that never overbooks (Ryanair has a policy that it will never overbook flights, do your research when picking an airline)



Useful websites:

Flight Delay Expenses Template Letter


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