Storm Desmond formed on 03/12/15

For the most up to date information please visit the Met Office’s Storm Desmond update page 

ALLCLEAR GOLD AND ALLCLEAR GOLD PLUS: If you are an AllClear Gold or AllClear Gold Plus policyholder the following guidelines apply:


Storm Desmond formed on 03/12/15, the official Met Office warning was not issued until 04/12/15 for the North of the UK.  A severe weather warning was then upgraded on 0512/15 for Cumbria and Northumberland.

We are therefore considering this incident from 04/12/15 onwards.

Travel delay

This would be deemed to be an adverse weather event so the usual travel delay benefits and terms would apply.  However, please note that we do NOT cover arrival delay, only departure delay.  THIS ONLY APPLIES IF YOU ARE TRAVELLING BY PUBLIC TRANSPORT AND, THEREFORE, DOES NOT APPLY IF YOU ARE USING YOUR OWN VEHICLE.

Trip Abandonment

If the delay in departing from the UK exceeds 12 hours/24 hours as specified in the policy wording then unused travel and accommodation costs, which cannot be reimbursed from other sources, will be refundable.  THIS ONLY APPLIES IF YOU ARE TRAVELLING BY PUBLIC TRANSPORT AND, THEREFORE, DOES NOT APPLY IF YOU ARE USING YOUR OWN VEHICLE.


No specific cover as claims would fall under the Trip Abandonment section terms.

Accommodation Cover / Catastrophe Cover

If you this cover on your policy, and you have to move to a different area to continue with your trip, then please refer to this section of cover. THIS DOES NOT INCLUDE TRAVELLING HOME EARLIER THAN PLANNED.  IT ONLY APPLIES IF YOU HAVE TO MOVE TO NEW ACCOMMODATION TO CONTINUE WITH THE TRIP.

In terms of travel to the UK departure points, your wording may state that you must check in for a travel delay or abandonment claim to be valid. We would generally waiver this requirement whilst the Press and TV confirm no flights are leaving from airports in the North.

Some of our policies include a Travel Disruption upgrade. For those customers who have purchased the upgrade additional benefits may be payable, please refer to  policy wording for full details of cover.

All of the above terms apply to customers who purchased their policy on or before 03/12/15. For customers dwho have purchased their policy from 04/12/15 onwards (when this became publically known via the media), the event would be deemed to be a known event so no cover would be in place.

For customers stuck overseas and unable to return to the UK, your existing policy would automatically extend to cover you until such time that you are reasonably able to return home.

For customers who are still in the UK and have not yet travelled, the following rules should apply:

–  Where possible, a full refund should be sought from your ferry company, euro tunnel, tour operator, travel agent etc. Only non-refundable expenses will be considered on your travel insurance policy.

– If you wish to rearrange your trip dates, provided you are not making any claim under Abandonment, we can allow the cover dates to be transferred to a new trip provided the new trip is within 3 months of the original departure date and is for the same (or no longer) duration and is to the same geographical area.

Please note: If you have a policy with the providers below, information will be updated in due course

AllClear Traveller
Free Spirit
OK To Travel