What to Do If Your Trip Is Affected by the Flash Floods in Spain

Whether you’re due to travel soon or you’re abroad already, here’s how your travel insurance can help:

If you bought your policy or booked your trip after 13th September (i.e. when the event became publicly known in the news), you will not be covered for this incident.

The following applies to AllClear Gold and Gold Plus policy holders only:

If you bought your policy and your trip was booked before 13th September, whether you’re due to travel soon or you’re already abroad here’s how your travel insurance can help:

• If you’ve been injured and need medical assistance because of this event, call our 24-hour emergency medical team as soon as possible on +44 (0)207 748 0521 – we’ll tell you what to do.
• If your personal belongings are damaged or go missing because of this event, you can claim for these when you return home. Make sure you report any losses to the police (and hotel management if your baggage goes missing from your hotel). We call this cover ‘Personal property’ in our policy wording.

The following only applies if you added the ‘Travel Disruption’ cover option to your policy

• If your journey is delayed by 12 hours or more because of this event, we’ll pay a fixed amount for each full 12-hour period of delay. Bear in mind that we only cover a delay to your departure, not your arrival at your destination. We call this cover ‘Delayed departure cover’ in our policy wording.
• If your journey from the UK is delayed for more than 12 hours because of this event and you decide not to go, we’ll pay you for your unused accommodation and travel costs and other pre-paid charges which you can’t get back from elsewhere. If you booked your holiday as a package, then you should ask your tour operator or travel agent first to try to move the dates or get a refund. We call this cover ‘Delayed departure cover’ in our policy wording.
• If you can’t reach or can’t stay in your accommodation because of this event, we’ll pay for unused accommodation costs and pre-paid charges you cannot get back from elsewhere or we’ll reimburse you for new accommodation to continue your trip and reasonable travel costs to help you get there. We can’t cover the cost of an upgrade – you should use the same level as your original booking (for example, if you were originally staying in a three-star hotel, we won’t pay the cost of a four-star hotel – if you did claim for this, we’d work out the cost of a three-star hotel and pay this instead). We call this ‘Accommodation cover’ in our policy wording.
• If you can’t get to your departure point in time because this event causes public transport to fail, we’ll pay you the extra reasonable costs of travel and accommodation you need to continue your trip. This applies to reach your overseas destination and/or in returning to the United Kingdom. We call this cover ‘Missed departure cover’ in our policy wording.

If you have already travelled:

• If you’re stuck overseas and you’re unable to return to the UK, provided you have added Travel Disruption cover to your policy, your existing policy will automatically extend in line with the terms and conditions for up to 30 days to cover you until you’re reasonably able to return home.

If you have yet to travel:

• Where you can, you should try to get a full refund from your tour operator or travel agent. We’ll only consider non-refundable expenses on your travel insurance policy.
• If you want to rearrange your trip dates, and provided you’re not making a claim, we can transfer your policy to cover the new trip as long as it’s within three months of your original departure date, and is to the same geographical area.

Bear in mind

• You’ll need to check your policy terms and conditions to see exactly what cover your policy provides and how much you can claim for, as different policies vary.
• The attached link contains some further information and guidance on the situation, please click on the following link for details: https://www.gov.uk/foreign-travel-advice/spain

If you need to make a claim, please contact Reactive Claims Ltd.

Phone: 01420 383014

Email: [email protected]

Website: www.reactiveclaims.com