Following reports of the earthquake that has happened on the border between Iraq and Iran over the weekend of 11th and 12th of November 2017, we at tifgroup would like to clarify what cover may be available.
We always advise all travellers to check the FCO’s advice for their chosen destination and the current advice on this matter can be found here:
https://www.gov.uk/foreign-travel-advice/iraq
https://www.gov.uk/foreign-travel-advice/iran
For residents of EIRE please follow the advice of the Department of Foreign Affairs and Trade as follows –
https://www.dfa.ie/travel/travel-advice/a-z-list-of-countries/iraq/
https://www.dfa.ie/travel/travel-advice/a-z-list-of-countries/iran/
Please note, travel insurance will not be in place if the FCO advise against any travel to your chosen destination.
Cancellation
Usually, this type of event is unfortunately not covered across the travel insurance industry for claims relating to cancellation. This is because most policies have the following exclusion relating to cancellation “any claim where the fire, flood, earthquake, storm, lightning, explosion, hurricane or infectious disease had already happened before you left home”.
Additional travel and accommodation costs
Should your travel and accommodation arrangements have been affected by the earthquake your policy may cover reasonable additional costs within a certain radius to provide you with alternative options. To find out more please contact your claims team.
Returning home early
If you are not able to amend your trip details and have a medical justification for doing so, we are happy to discuss your situation on a case-by-case basis.
In the event that you have specific questions not answered by this directive, please feel free to contact us on directivesqueries@tif-plc.co.uk and we will endeavour to offer an answer.
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