What can I claim back from insurance?

JMW85

Hello. I find myself in a new situation so advice would be greatly appreciated.

I purchased a return trip from London to Fukuoka (£1200). On the way back, my flight from Fukuoka to Seoul was cancelled on the day due to a typhoon. It meant I lost a night in Seoul in a already paid for hotel, and meant I wasn't going to be able to get on my flight from Seoul to London the next day.

Not wanting to book another flight into a potentially typhoon hit region, I booked a flight with another airline to go Fukuoka > Hong Kong > London, cutting short my trip.

I have two questions: 

The first airline has refunded me £200, which doesnt feel like enough? Should I expect more? 

What can I typically claim on insurance as part of this? The extra flight? The night missed in the hotel? Nothing?

Thanks!

Caz3121

JMW85 said:

I have two questions: 

The first airline has refunded me £200, which doesnt feel like enough? Should I expect more? 

What can I typically claim on insurance as part of this? The extra flight? The night missed in the hotel? Nothing?

what may be refunded by the airline will depend on whether this was all one ticket and the airline conditions of carriage. Due to high taxes departing the UK longhaul it is pretty common that the return leg is far cheaper than the outbound (a random search on ITA Matrix showed 75% for the outbound 25% for the return leg but will vary by dates) some airlines will reprice as a one-way (often expensive) and refund what is leftover.

You would need to read your insurance policy details there are too many different types, some may exclude typhoons and we cannot see your policy to know whether you would be covered or not. Did you speak to your insurance company when you were stuck in Fukuoka to ask about alternative flights?