Following the news of Hurricane Florence that is due to impact Bermuda and possibly the East Coast of the USA over the next week, we at tifgroup would like offer to clarify what cover may be available.
We always advise all travellers to check the FCO’s advice for their chosen destination and the current advice on this matter can be found here:
Bermuda – https://www.gov.uk/foreign-travel-advice/bermuda
USA – https://www.gov.uk/foreign-travel-advice/usa
For residents of EIRE please follow the advice of the Department of Foreign Affairs and Trade as follows:
Bermuda – https://www.dfa.ie/travel/travel-advice/a-z-list-of-countries/bermuda/
USA – https://www.dfa.ie/travel/travel-advice/a-z-list-of-countries/united-states-of-america/
This type of event is unfortunately not covered across the travel insurance industry for claims relating to cancellation. This is because most policies have the following exclusion relating to cancellation “any claim where the fire, flood, earthquake, storm, lightning, explosion, hurricane or infectious disease had already happened before you left home”.
If you need to come home early
Cutting short your trip may be covered depending on your circumstances. Please refer to your policy wording in the first instance and if you are unsure please contact your claims team. There is no cover for coming home early in the event of loss of enjoyment for whatever reason.
Each travel insurance product varies and we would recommend you check your policy wording to see if any other cover may be available, or alternatively contact your claims team to discuss your individual situation.
In the event that you have specific questions not answered by this directive, please feel free to contact us on firstname.lastname@example.org and we will endeavour to offer an answer.
This article was posted on 10-09-2018
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