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Q:Does my travel insurance cover against earthquakes?
If there’s been an earthquake in the place you’re going to
As long as you take out insurance before it happens, you’ll be covered for delays getting to or from your intended destination if there’s an earthquake there.
Provided you've started your trip you will also be covered for travel and accommodation costs involved in moving to new accommodation, if the place you’ve already booked and paid for is in the earthquake.
You can’t claim if the earthquake had already happened before you booked your trip, or before you took out your insurance.
If there’s an earthquake while you’re there
If the earthquake makes it impossible to continue your trip, we’ll cover the cost of bringing you back to the UK. You’re also insured for injuries, or even death, caused by earthquakes.
If you wanted to claim for personal belongings, or for costs to do with missing a journey that hadn’t been cancelled, we’d look at that case by case.
Here’s some more detail about missed departure claims.
If an earthquake in the UK damages your home
Your travel insurance wouldn’t cover you if an earthquake happened where you live in the UK.
If there’s an earthquake at the place you’re leaving the UK from
If there was an earthquake at the UK airport, ferry terminal or railway station that you were booked to leave from, you would be insured for that.
Your cover limits and our terms and conditions can be found in your policy book. It’s also got details about the amounts you’d have to pay towards any claim.