Travel insurance dates, when return flight is close to midnight

elsmandino

Apologies in advance if this is a stupid question, but I cannot quite work out what to to do.

I have booked a holiday that has a departure date of 12 September and returning 22:40 on 19th (touchdown at 23:55).

Should I buy insurance cover for 12-19th or 12-20th?

My reasoning being that if there is any delay and midnight passes (i.e. from 19th to the 20th) before I get home, my cover could run out.

What should I do?

Ballard

I always get annual cover but if I was just covering myself for a single holiday I'd play it safe and include an extra day or two. I doubt that it'd cost much more.

You should really get covered as soon as you book your holiday, ensuring that you're covered should you not be able to go abroad for any reason.

gardner1

elsmandino wrote: »

Apologies in advance if this is a stupid question, but I cannot quite work out what to to do.

I have booked a holiday that has a departure date of 12 September and returning 22:40 on 19th (touchdown at 23:55).

Should I buy insurance cover for 12-19th or 12-20th?

My reasoning being that if there is any delay and midnight passes (i.e. from 19th to the 20th) before I get home, my cover could run out.

What should I do?

well for the extra £1 or so what do you think

photome

As above, why wouldn't you get cover for the 20th. What's the difference in cost

And you should buy insurance as soon as you have booked ( of course you may have booked it today)

jackieblack

I always get it from the day I leave home (usually travel to the airport and stay in a hotel the evening before the flight) to the day I expect to arrive home.

Voyager2002

elsmandino wrote: »

My reasoning being that if there is any delay and midnight passes (i.e. from 19th to the 20th) before I get home, my cover could run out.

The small print of all the policies I have seen says that in that situation cover is automatically extended.

And you might find that if you make a claim and the dates of your booked holiday do not match your dates of travel, the claim might be rejected.

elsmandino

Thanks very much for all your input - the range of answers show that it is less than clear.

Whilst I was more than happy to pay for an extra day (as has been mentioned, it would be very little extra), the thing that was worrying me was that lots of the insurance providers ask for the day that you are scheduled to return to the UK. In my case, therefore, I would not be telling the truth if I said 20th, just for the extra cover - technically, the insurer could void the contract for not giving the exact dates as specified.

I was discussing this with my colleagues at work and one of them confirmed that they actually used to sell travel insurance. She confirmed that Voyager2002 is completely correct.

Ultimately, she confirmed that you must use the day that your itinerary states you will land back in the UK. If the flight is delayed, the cover is automatically extended until you do arrive in the UK. If you use anything other than this arrival date, the insurance company can void the contract on the grounds that you did not provide accurate information to them.

Bit of a minefield and does, unfortunately, mean that I have got it wrong a few times in the past.

Anyway, thanks again for everyone's input.

EssexExile

elsmandino wrote: »

...If the flight is delayed, the cover is automatically extended until you do arrive in the UK...

Just to throw another spaniard in the works my policy says

If your return to your country of residence is unavoidably delayed for an insured reason, cover will be extended for the period of the delay.

sheramber

Why not phone the insurance company and ask them. You will get the correct answer for that cmapny.

RoonilWazlib_2

EssexExile wrote: »

Just to throw another spaniard in the works my policy says

You might want to be careful about throwing people about. They may not like it.