Will travel insurance cover strike action?

The threat of strikes by BA cabin crew this Christmas has prompted many people to ask whether their travel insurance will cover them if their flight is cancelled.

As with so many questions about insurance the only answer is to check your policy wording because different insurers have different rules, and some policies may not cover your particular circumstances.

If your policy has a cancellation section check that strikes and industrial action are covered.  If so, much will depend on when you bought the policy and travel ticket.  The policy will almost certainly not cover you if you took it out after you knew about a strike that would cause the cancellation of your trip.  Equally you will not be covered if you go ahead and by a ticket for a flight that you know will be covered by the industrial action.  The good news is that as long as you have good quality cancellation or holiday abandonment cover and took out your policy and made your travel arrangements before the strikes were announced you should be covered.  How much you receive will depend on the limits in the policy.

 The Click4quote annual and single trip travel insurance policies do cover cancellation/holiday abandonment caused by strikes.  Check the policy wordings and summaries on the website.

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