Find out more about our cruise specific benefits available with Free Spirit and Travel Plus.
Travel Insurance to cover for those people who are travelling solo.
We can cover most pre-existing medical conditions and disabilities.
P J Hayman’s range of travel insurance solutions to cover high risks.
Several of our policies cover a range of activities as standard, find out more here.
We have policies that can provide travel insurance for UK only trips.
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Experiencing a delay to our flight is something that crosses our mind on the way to the airport. If we fall victim the reason for our delay might not be known straight away and can be frustrating, particularly if you’re left waiting at the departure gate.
Unfortunately, the number of delays is increasing. For instance, 7% of claims are now related to travel delays. Also, consider current geopolitical challenges and the number of unforeseen events that have occurred around the globe recently, this number will only increase.
News of strikes, travel and flight delays occurring during the peak summer months is not uncommon either. For example, the EU’s new Entry Exit System (the EES) is in place to strengthen security across the Schengen Area. However, this has led to an increase in delays at passport control across the region. Also, the European Union air traffic management agency (Eurocontrol) continues to warn us that flight delays are increasing each summer.
So, what can we do? You might not be able to predict your next flight delay but we can offer suggestions to limit your exposure to one. Also, do you know if you’re covered for flight delays with your current travel insurance policy? It’s worth checking. If in doubt, we’ll share how our travel insurance policies can assist. Plus, discover our new PJH Flight Delay benefit, which will instantly provide you with assistance if you fall victim to a flight delay!
When we talk about a flight delay, we mean if your booked flight gets delayed on either your outward or inbound journey. The flight delay section usually comes under the heading of ‘delayed departure’ in the policy wording document. This section also covers the delay of international trains or sailings, but we are going to look specifically at flight delays.
Reasons why your flight may be delayed could include a natural disaster such as a wildfire or hurricane, global conflict, or an IT issue caused by an outage or a strike.
Tip: Check the Foreign, Commonwealth and Development Office (FCDO) website for up-to-date travel advice before booking a trip.
Review your policy documents to check. Within each section, note what the cover limits are and what claim you may be able to make.
A quality travel insurance policy should give you the opportunity to claim for:
Before purchasing a travel insurance policy, review the benefits, exclusions, and coverage limits to see what it won’t cover. This will include the amount of waiting time during a trip delay, which can range from two to 12 hours.
View your insurance policy to see what you’re covered for in the event of a flight delay. The care and help you receive will be dependent on how long your flight is delayed. Also, if you’re flying outside the UK and with a non-UK/EU airline such as American Airlines, check the terms and conditions and know your rights.
Not limited to:
Tip: Book an ABTA or ATOL package holiday to receive additional protection.
Having your flight cancelled is, unfortunately, another scenario that can go wrong when going abroad. Thankfully, having adequate travel insurance in place is a good idea because it gives you the freedom to travel with confidence.
Please note: You won’t be covered for any claim resulting from a strike industrial action or air traffic control delay if it existed already or had been publicly announced before you bought the insurance or at the time that you booked a trip. This is because insurance is designed to cover unexpected issues.
For instance, although there are benefits to booking last-minute holidays, if you booked one and a flight delay had already been announced, it’s likely that you would have known about it before booking the trip or buying the insurance.
If your flight is delayed and you’re travelling from the UK, ABTA has compiled a list of the rights you’re entitled to in this scenario. If your flight is delayed for over five hours, your airline must offer you the choice of taking a refund on the flight cost. It is important to note that if you haven’t booked a package holiday, you may then lose the money you’ve paid for hotels and excursions. It is recommended to take out travel insurance ASAYB (as soon as you book) so that if anything does happen, you have peace of mind.
P J Hayman has a variety of travel insurance products to cover different types of trips. Those that can cover flight delays are Free Spirit and Travel Plus. Let’s take a look at exactly what benefits are on offer below.
Free Spirit travel insurance provides cover for most medical conditions and disabilities for anyone of any age and includes:
Travel Plus is travel insurance simplified! It includes:
• Delayed departure after 10 hours of delay = £500 (£100 per 10 hours)
Please note: You must get written confirmation from the transport provider or their handling agent. Ensure the scheduled departure time, actual departure time, and reason for the delay are shown.
Our policies also provide cover for trip abandonment. This cover can be used when your flight is delayed (for over a certain amount of time), and you decide to abandon the trip. The amount of time varies between policies, but the duration of the delay is the same as it is for the duration of the delayed departure. For instance, Free Spirit provides cover after a 12-hour flight delay, while Travel Plus provides cover after a 10-hour flight delay.
The amount you’re covered for trip abandonment is listed below.
*If you have selected the optional extra “top up my cancellation cover”, your limit will be increased and shown in your policy schedule.
Some policies require claims to be made within 48 hours of your return. Check your time limit for making a claim by reading the policy documents. Also, keep all the receipts and reports. These may need to be submitted as evidence with your claim form.
Making a travel insurance claim can be daunting. You can find our guide to making a travel insurance claim for assistance and learn more about claims if needed.
However, what if we told you we could provide compensation if your flight is delayed by two hours or more?
When you take out Free Spirit or Travel Plus Travel Insurance, PJH Flight Delay is included for free as an additional benefit. Register your flights at least 24 hours before your scheduled departure, and we’ll monitor them. If your flight is delayed by two hours or more (within 24 hours of the scheduled departure), we’ll notify you, and you can redeem a benefit!
for up to six eligible travellers in your party.
PJH Flight Delay provides a proactive, real-time benefit.
One of the most important things you can take out before your trip is suitable travel insurance, which covers flight delays. Consider one of our innovative travel insurance policies to not only provide cover for cancellation, curtailment, and abandonment but also to reap the additional benefit of PJH Flight Delay, allowing you to travel, with confidence!
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