Majorca Flash Floods

Following the news of the Flash Flood which happened in Majorca on the 9th October 2018, we at tifgroup would like to extend our sympathies to those affected and clarify what cover may be available.
 
We advise all travellers to check the Foreign and Commonwealth Office advice before travelling, and you can do that by checking your chosen destination from the list provided here: https://www.gov.uk/foreign-travel-advice/spain
 
For residents of Ireland 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/spain/
 
Cancellation
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”.
 
If you need to come home early
Cutting short your trip may be covered depending on your circumstances. Please refer to your policy wording in the first instance and if you are unsure please contact your claims team. There is no cover for coming home early in the event of loss of enjoyment for whatever reason.
 
Each travel insurance product varies and we would recommend you check your policy wording to see if any other cover may be available, or alternatively contact your claims team to discuss your individual situation.
 
In the event that you have specific questions not answered by this directive, please feel free to contact us on directivesqueries@tifgroup.co.uk and we will endeavour to offer an answer.