Ciindy advice for holidaymakers travelling to Sharm el-Sheikh

05 November 2015

David Ross, director of communications at the CII said:

“As speculation over what caused the Russian plane crash mounts, airlines are cancelling flights in and out of the region and the FCO is advising against all but essential travel. So what does this mean for holidaymakers who booked holidays there in the few weeks?

“If you booked your holiday through a travel agent, contact them in the first instance to see what you’re entitled to. Reputable travel agents abide by the ABTA code and your holiday should be covered under the ATOL scheme. They will usually offer you an alternatively holiday of equal or greater value, or will give your money back.

“If you booked your flight directly with the airline, contact them directly to see if they will offer you an alternative flight somewhere else. If they are unable to provide the flight you bought or offer you another flight, then you should be entitled to a refund.

“The law is less clear when it comes to booking accommodation independently of a travel agent, as even though you cannot get to the destination, they have kept their side of the contract. It’s worth checking the cancellation policy anyway and seeing if you can get a refund. Failing that, your travel insurance may cover these costs.

“Most quality travel insurance policies include cover holiday cancellation due to the FCO advising against travel, so that you aren’t left out of pocket in these circumstances. Your insurer will have expected you to contact the airline or holiday company for a refund before they will consider a claim, so it’s worth approaching them first.

“The amount of cover will vary according to the travel insurance policy and the provider, and after the excess has been deducted, it’s unlikely to be as much as you originally paid out. It’s worth checking your policy and contacting your insurer to see what they will do for you. Insurance is designed for unforeseen circumstances such as this to give you peace of mind.”

For answers about cancellation cover and other insurance –related queries, ask Ciindy at www.AskCiindy.com.

‘Ciindy’ is an online character to help people with any questions they have about insurance. She was created by The Chartered insurance Institute (CII) to guide consumers through the world of insurance. Consumers can see Ciindy at www.AskCiindy.com, ask questions about insurance and view free online guides. Ciindy explains the jargon of how insurance works, and helps people understand different insurance policies.