New Independent Traveller Cover
JS Insurance is now offering Independent Traveller Cover, which is available as an option on their single trip travel insurance policies and on their Annual multi trip policies.
The public are now choosing to make their own travel arrangements without realising that they may not be fully covered if anything goes wrong.
If the consumer books their holiday independently, rather than as a package, their insurance may not give them adequate cover.
The definition of a package means the pre-arranged combination of at least two of the following components, when sold or offered for sale at an inclusive price and when the service covers a period of more than 24 hours.
This includes overnight accommodation, transport or other tourist services (such as car hire or airport parking) accounting for a significant proportion of the package.
The benefits of this cover for the consumer are:
Extended Cancellation or curtailment charges
This includes cover for cancellation or curtailment if the Foreign & Commonwealth Office issues a directive prohibiting all travel to or recommending evacuation from your destination. The trip costs will be reimbursed if you cancel, or if you have already travelled then repatriation costs and curtailment can be claimed for. An example of where this cover could help is Hurricane Katrina hitting New Orleans.
Extended Delayed Departure
The existing delay benefit under our policy is payable after 12 hours delay to the initial international journey to and from the UK. Independent Traveller cover also pays for delays occurring at the departure point of any connecting public transport both on the outbound and return journeys. In addition, you now have the option to cancel your trip or to be reimbursed for alternative transport and additional accommodation costs, if the public transport on which you are departing the UK is delayed for over 12 hours. Also, if the public transport is cancelled or you are denied boarding due to the flight being overbooked you may cancel your trip. You have the option to either accept a refund or arrange for an alternative flight for which we will reimburse the difference. Alternatively, you can cancel your entire trip and be reimbursed for your flights, accommodation and transfers.
Extended Missed Departure
There is cover for additional accommodation and travel expenses incurred to reach your destination or return to the UK, if you fail to arrive at the departure point in time to board any onward connecting public transport including connections within the UK on the return journey.
So if you miss your onward connection due to delays, we’ll help you with your accommodation and travel expenses.
Extended Accommodation Cover
Cover is now provided for any irrecoverable unused accommodation costs and charges which have been paid or are due if you were not able to travel and use your booked accommodation; as a result of the insolvency of the providers of the accommodation, fire, flood, earthquake, avalanche, hurricane, storm or an outbreak of food poisoning affecting your accommodation or resort.