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The phrase ‘Force Majeure’ is French for ‘Superior force’. We define Force Majeure as a consequence of war invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military rising, insurrection, rebellion, revolution, military or usurped power, climatic conditions and acts of nature which first arise during the period of insurance.
Examples of Force Majeure events include, acts of terrorism, or a natural event such as an ash cloud.
Many travel insurance providers do not cover Force Majeure as standard, however you will find that some insurers will offer a Force Majeure extension for an additional premium. It may also be known as ‘Catastrophe’ or ‘Natural Disaster’ extensions, however it is important to check that these also cover acts of terrorism, if that is cover you would like. To check this is covered, it is important to read the ‘small print’ on all policy wordings.
Force Majeure is included as standard across all Postcard policies!
Postcard have partnered up with MGA Cover Services Limited who are a specialist insurer of Force Majeure and Financial Failure, to provide you with the best possible cover. Postcard Travel Insurance includes Force Majeure cover as standard on all Postcard policies. The cover includes.
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We asked for feedback on our products and one growing concern for our customers was the rise in acts of terrorism over the last couple of years. With that in mind, Postcard have chosen to include terrorism cover, on all of our policies.
If you purchase travel insurance after the date the incident happened, you will not have cover in place. Travel insurance is there to cover unexpected or unforeseen events, therefore purchasing after you know the event has happened will not provide cover.
It is important to be informed about your travel destination through the The Foreign travel advice website. Their advice is always up to date, and many insurers will refer to the advice given by the FCDO, on whether travel claims follow the advice given. If you are concerned about the destination you are travelling too, it is recommended you keep updated on The Foreign travel advice website. By selecting the country you are travelling to, it will allow you to read a country breakdown, and warnings or alerts to the status of the country.
We have designed innovative and industry-leading policy wordings which are simple and easy to read. We’ve decreased the amount of insurance jargon, so that everyone can read and understand our policy wordings instead of being overwhelmed by small print and blocks of long text.
To read our Policy Wordings Click here.
When is the best time to purchase travel insurance cover?
The best time to buy travel insurance is as soon as you have booked your holiday. This is because the sooner you purchase your travel insurance, the sooner you have cancellation cover in place if an unexpected event were to happen. For example, if you waited until a volcano erupted or a hurricane hit the country you are travelling to before purchasing your travel insurance, you will not have cover, because it is not an unexpected event. This is why we would advise you purchase your insurance cover the same time as booking your holiday.
In particular cancellation is an important feature to consider. It is quite common that travel insurance becomes a last-minute thought however, the sooner it is purchased, the more protection you get for your money.
On Single Trip policies your cover for cancellation will kick in the moment you purchase the policy. However, if you opt for an Annual or Multi Trip policy, your cover won’t begin until the start date you choose for the policy – something to seriously consider when purchasing!
Will my policy cover me against a terrorist activity or civil unrest?
Terror attacks are covered on all Postcard policies. This includes: cover to cancel your trip if the FCO says it is unsafe for tourists to travel to your destination of choice, following an incident. Visit the FCO’s website for up to date information on your destination: https://www.gov.uk/foreign-travel-advice
Does travel insurance cover terrorist attacks for cancelled flights?
If the FCO have advised against all air traffic after purchasing your travel insurance to the selected destination, then your Postcard policy will provide cover. However, if the FCO have not advised against this, and the airline company decide not too travel, then you should contact the airline company for compensation.
How do I make a claim for Force Majeure?
When it comes to making a claim, we ask that you contact MGACs claim team to submit your claim information. For more information on how to make a claim, visit our ‘How to make a claim’ page.
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