Tackling Delay with Travel Insurance Arrangements

Travellers across the world are becoming increasingly affected by delays to their travel arrangements as a result of international terrorist attacks and security alerts. Even though a terrorist incident can sometimes occur in another country altogether, the effects on your own travel plans can be catastrophic.

It is for this reason that Security Delay Insurance (SDI) has been set up, as it aims to fill in the gaps which other travel insurance policies do not cover. SDI, a part of Totally Insured Group Limited, is a specialist travel insurance policy, used in addition to your standard policy, which offers an extra level of cover should your travel plans be interrupted by a security alert or terrorist incident.


People may wonder why they should have to pay extra on top of their original travel insurance policy. With security threats and terrorist attacks becoming increasingly common, and not always being covered under general travel insurance policies, it is important to make sure you are not incurring extra costs if the worst does happen. Some benefits of this policy type include:

  • All of the above events are things that are not likely to be covered under your standard travel insurance policy.
  • The extra costs is very little
  • A 14 day cancellation option is included.
  • Delays to flights on other insurance policies may not be very comprehensive or may come with numerous restrictions.

Things to look out for

The following are points that you should be aware of before taking out the cover:

  • It only covers trips of up to 31 days.
  • You will only be covered after the first six hours of any delay.
  • If you are travelling to a country that is dangerous according to the Foreign Office then you will not be covered.
  • You will need to keep any receipts, as well as written evidence of the security threat, in order to make a claim.
  • Each claim is subject to a policy excess on all cover levels.
  • Your claim has to be made within 30 days of returning home.
  • The insurance will not pay for costs that are already covered by the airline or any other travel company.
  • You will not be covered if the security threat emerged before you left to travel to the airport.
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