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Q:Does my travel insurance cover against floods?
If the place you’re going to is flooded
As long as you take out travel insurance before a flood happens, you’ll be covered for delays getting to or from your intended destination if it becomes flooded.
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 floods.
You can’t claim if the flood had already started before you booked your trip, or before you took out your insurance.
If a flood happens while you’re there
If the flooding is so bad that you can’t continue your trip at all, we’ll cover the cost of bringing you back to the UK. You’re also insured for injuries, or even death, caused by a flood.
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 on a case by case basis.
Here’s some more detail about missed departure claims.
If your home in the UK flooded
If you live in the UK and your home floods a week or less before you’re due to travel, you would be covered by the policy, as long as you needed to stay behind to deal with the damage.
If the place in the UK you were travelling from flooded
If there’s a flood at a UK airport, ferry terminal or railway station that you’re booked to leave from, you are covered.
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.