Travel Disruption Cover

Sainsbury’s B@nk Gold and Platinum cover offers travel disruption cover to help provide some additional protection.

The insurance provides cover for costs not forming part of a package holiday and is aimed at travellers who book flights and accommodation separately.

Enforced stay

The Enforced Stay cover in your provides additional protection if you can’t get home because any of the following are closed for more than 24 hours.:

• airspace
• airport
• port
• channel tunnel

Your travel provider may be able to offer alternative travel arrangements. However, if after 24 hours you find you have to make alternative arrangements to return home, Sainsbury's B@nk travel disruption will cover the cost of additional travel expenses, up to the limits shown in the benefit table. It will also cover the cost to replenish prescription medicine, if you have declared a pre-existing condition and you have packed sufficient supplies to cover the original duration of your trip.

Keep your receipts and send these with your claim.

The policy can also offer some comfort by helping cover the cost of additional expenses such as food, accommodation and phone bills. You’ll be entitled to receive £150 for every 24-hour period that you’re unable to return home up to a maximum of £1,500. This will be paid out under the policy whether you incur the expenditure or not but can only be claimed for once.

You may also be able to make a claim for substitute accommodation – see more about ‘Substitute accommodation’ below.

If you do get stuck abroad because the airport or port was closed you may be able to claim any unused travel expenses from your travel provider. You should do this first, before making a claim on your insurance policy.

Substitute accommodation

Travel disruption cover can provide protection if you are no longer able to stay in your accommodation in the event of things such as:

• fire, flood, earthquake, explosion, hurricane, tsunami, landslide, avalanche, volcanic eruption or storm
• an outbreak of food poisoning or an infectious disease

Where you’re unable to recover costs from your accommodation provider, Sainsbury’s Gold and Platinum travel disruption will cover the cost of alternative accommodation and any transport costs incurred up to the value as stated in the Table of Benefits.

You’ll need to pay for accommodation and transport initially and then claim back the cost later, so you may want to ensure you have access to enough cash or credit to allow you to do this.

Unused travel and accommodation

If you find that you’re unable to go on your trip or you need to come home early, travel disruption cover can also offer some comfort and protection.

The cover will apply if you were not able to travel and use your booked accommodation or had to abandon your trip for any of the following reasons:

• the Foreign & Commonwealth Office (FCO) or other similar body prohibits travel or recommends evacuation
• fire, flood, earthquake, explosion, hurricane, tsunami, landslide, avalanche, volcanic eruption, storm or an outbreak of food poisoning or infectious disease means you can’t stay in your accommodation
• a strike results in your travel from the UK being cancelled
• the Channel Tunnel or airport, port or airspace which you expected to travel through is closed for 24 hours

Sainsbury’s could cover the cost of any unused and irrecoverable;

• travel and accommodation
• airport parking and car hire
• kennel or cattery fees and
• excursions

up to the value of £5,000 if you select Gold cover and £7,500 if you select Platinum.

You’ll be able to claim for these costs if you’re unable to recover them from your travel or accommodation provider or where alternative arrangements have not been offered.

You can find full terms and conditions for all the protection offered under travel disruption cover in section 11 of your policy document.

overview

Terms & conditions

This guide aims to be informative and engaging. Though it may include tips and information, it does not constitute advice and should not be used as a basis for any financial decisions. Sainsbury's B@nk accepts no responsibility for the opinions and views of external contributors and the content of external websites included within this guide. All information correct at date of publication 28/06/18.

Sainsbury’s B@nk is underwritten by Great Lakes Insurance SE (GLISE) a German insurance company. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. Authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority: register number 769884. Details about the extent of GLISE’s authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from the insurer on request.

Sainsbury’s B@nk is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 1st Floor Maitland House, Warrior Square, Southend-on-Sea, Essex, SS1 2JY.