travel insurance claim missed flight

Missed Connection Benefits

In travel, unexpected events can throw even the best-laid plans off course. That is where AXA Travel Protection comes into play, offering coverage for travelers facing disruptions to their itineraries.  

Below is a breakdown of the key points to understand about this coverage 

What is Missed Connection coverage?

Missed Connection benefit offers coverage for travelers who miss their connecting flight or transportation due to an unforeseen event, such as inclement weather, mechanical issues, or other unexpected events.

Additional Transportation Expenses:  If your flight delay prevents you from catching up with your cruise or tour, an AXA Travel Protection plan can cover the expenses needed to reach your intended destination economically. 

Reasonable Expenses:  Recognizing the inconveniences you might face during the delay; AXA Travel Protection may reimburse you for reasonable expenses like meals and accommodations up to a daily limit. 

Refund for Unused Portion:  If you have made pre-paid nonrefundable payments or deposits for parts of your trip that you could not utilize due to the delay, AXA Travel Protection can provide a refund for those unused portions. 

Secondary Coverage:  It is important to note that this travel insurance coverage is secondary to any compensation you might receive from the airline. In other words, if the airline offers you compensation for the delay, that takes precedence over what AXA offers. 

Exclusions:  However, not all scenarios are covered under this policy. Specifically, individuals who could have realistically made their scheduled departures but opted to cancel their trip due to inclement weather that has not yet been deemed severe weather by the common carrier. This aims to prevent misuse of the insurance by those who had the opportunity to depart on time. 

How much coverage is provided for Missed Connections?

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Understanding Travel Insurance Claims for Missed Flights

The anticipation of a journey, whether for leisure or business, can be exciting. You've planned, packed, and checked all the boxes on your travel to-do list. But then, you are informed to miss your flight. It's a frustrating experience, one that can affect your entire itinerary. 

Fortunately, travel insurance can be your saving grace in such situations. In this comprehensive guide, we'll delve into the world of travel insurance claims for missed flights. We'll explain what these claims entail, the coverage they provide, how to make a claim, and when you can do so to ensure your travel plans stay 

Missed flight insurance claim protects you by covering the cost related to that

1. What is a Travel Insurance Claim for Missed Flight?

A travel insurance claim for a missed flight is a valuable feature offered by many travel insurance policies. It's designed to provide financial protection when you unexpectedly miss a scheduled flight. This can happen for various reasons, such as traffic delays, accidents, medical emergencies, or any unforeseen circumstances that prevent you from reaching the airport in time for your departure.

Travel insurance claim for missed flight provides financial protection

2. What does travel insurance cover missed flights?

Missed flight insurance claims typically cover the following aspects:

Reimbursement for Rebooking Fees

If you miss your flight due to a covered reason, your travel insurance may reimburse you for the fees associated with rebooking a new flight.

Additional Accommodation Costs

In cases where missing your flight forces an unexpected overnight stay, travel insurance can cover the cost of accommodations, easing the financial burden.

Follow these considerations when choosing the best travel insurance for missed flight

Transportation Expenses

Travel insurance may also cover expenses related to transportation, such as ground transportation or connecting flights, needed to reach your destination after missing your initial flight.

Additional Expenses

Certain policies offer coverage for different expenses incurred due to a missed flight, such as meals, phone calls, or essential items you need during the delay.

3. How can I claim travel insurance for missed flight?

If you've missed your flight and wish to make a travel insurance claim, here are the steps to follow:

Contact Your Insurer

Notify your travel insurance provider as soon as you miss your flight. They will guide you through the claims process and provide instructions on how to proceed.

Review Your Policy

Familiarize yourself with your travel insurance policy to understand the specific terms and conditions regarding missed flights. Different policies may have varying coverage and requirements.

Collect Documentation

Gather all necessary documents, such as your travel insurance policy details, proof of the missed flight, documentation of the circumstances that caused the delay, and receipts for any additional expenses.

Submit Your Claim

Follow your insurer's instructions for submitting your claim. This may involve filling out claim forms or using an online portal for claim submissions.

Read claim documentation carefully to ensure to choose the best plan for you

Await a Response

After you've submitted your claim, your insurer will assess it and may request further information if needed.

Approval and Payment

If your claim is approved, your insurer will provide compensation based on the coverage provided in your policy. This compensation is typically designed to cover the costs associated with the missed flight and its consequences.

4. What proof requirements can you claim travel insurance if you miss your flight?

Make sure you can present proof to your insurance company if you missed your flight due to circumstances beyond your control. Some evidence that can increase the likelihood that your claim will be accepted are as follows:

• If a road accident caused you to be delayed, pictures or videos of the scene or statements from any individuals who saw the accident
• Verification from a breakdown company that an event involving your car occurred in a road accident. There was an incident on the route you were traveling on from the Highways Agency or Department of Transportation
• Images or recordings of the severe weather that delayed you
• Pictures of signs announcing a delay in public transportation
• Tickets, travel documentation, and receipts 

Choosing Travelner Insurance for comprehensive travel insurance and travel with confidence.

5. Choose a suitable travel insurance claim for missed flight

To claim compensation from your travel insurance provider, you can choose the iTravelInsured plan from Travelner Insurance that covers trip delay expenses. This plan provides up to $250 per day per person, with a maximum benefit of $2,500, for trip delay expenses incurred due to a covered reason, such as a common carrier delay, inclement weather, or a strike. The plan also covers trip cancellation and interruption, emergency medical and evacuation, baggage loss and delay, and more.

You can see the key features of the "iTravelInsured Series" plan as below: 

Travel insurance claims for missed flights serve as a vital safety net, offering financial protection when unforeseen circumstances disrupt your travel plans. By understanding the coverage provided by your policy, being prepared with the necessary documentation, and acting promptly, you can navigate the process of claiming a missed flight efficiently. 

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What to do if you miss your flight.

Missing a flight can be a traveler’s worst nightmare, causing stress and uncertainty. However, it’s essential to stay calm and take immediate action to minimize the impact on your travel plans. In this article, we’ll walk you through the steps to take if you think you’re going to miss your flight, whether you can refund or rebook your flight, the role of travel insurance and the fate of your bags if they’ve already been put enroute.

What to do if you think you’re going to miss your flight

If you find yourself in a situation where you fear missing your flight, immediately contact the airline and inform them of your predicament. It’s essential to check the airline’s policies on missed flights and understand any potential fees that may be associated. For example, do they charge a rebooking fee to get on a different flight? Will you have to pay for the difference in fare for the new flight?

When you communicate with the airline, inquire about alternative flights and the costs involved.

What if you still can’t make your flight?

If you realize it’s impossible to make your flight, communication with the airline remains crucial. Keep them informed about your situation, and inquire about standby options, as some airlines allow passengers to take a standby position on later flights.

Find out if there are seats available on later flights and the associated costs. The people at the gate of your original flight may be able to help you book the next available flight or at least present some options to you.

In some cases, you may be able to rebook another flight without penalty fees because of the “flat-tire rule”. This is a policy (with varying stipulations depending on the airline) that allows passengers to board a later flight if they miss their original flight due to unforeseen circumstances, such as a flat tire or other unexpected transportation-related issues. Not all airlines have an official policy on this, and rather leave it up for discretion, especially if a standby option is available. It’s important to understand your airline’s specific policies in place regarding missed flights and potential flexibility offered.

In any case, it’s always best to inform the airline of your circumstances as early as possible if you anticipate missing your flight.

Can you get a refund if you miss your flight?

The potential for a refund after missing a flight largely depends on the type of ticket you purchased and the airline’s specific policies. Traffic jams or delays at security check are generally not valid reasons for receiving a refund, but certain medical emergencies may qualify.

Be sure to inquire with your airline if a refund is available for your specific circumstances. You’ll want to communicate those circumstances are soon as you can.

If you do miss your flight, and it was not the fault of the airline, the airline is not obligated to provide compensation.

It’s always best to leave for the airport with plenty of time for unexpected delays. It's highly recommended by most airports to arrive at least 2 hours before any flight but give it closer to 3 hours for international flights.  

Can you rebook a missed flight?

You can often work with the people at the gate to find an alternative flight to your destination (and an extra dose of patience and kindness could go a long way). If you happen to have airline miles available, try booking a last-minute flight using your rewards miles or points — some airlines open up last-minute availability for seats that might have otherwise remained unoccupied.

If that doesn’t work, you can try rebooking on another airline, using their websites or apps. Keep in mind that with any rebooking scenario, you are likely to pay fees.

Will travel insurance cover a missed flight?

The coverage of missed flights under travel insurance policies varies, so you’ll need to carefully read and understand your policy. Some policies cover missed flights for specific, valid reasons, so review the terms and conditions. If your circumstances align with the coverage provided, you can file a claim with your insurance provider.

Some scenarios in which you’re unlikely to be covered by insurance include things like oversleeping, not leaving enough time to get through security, heavy traffic delays or forgetting your passport.

What happens to your bags if you miss your flight?

Every airline has a policy that outlines the procedures for passengers to reclaim their checked luggage in the event you miss your flight after already checking your bags. Typically, airlines will make an effort to reroute your bag to the final destination of your rescheduled flight. Be sure to speak with the airline staff as soon as possible so they can work to retrieve your bag in the most efficient way.

For added peace of mind and control, you might find it beneficial to attach a GPS tracker to your bag, allowing you to monitor its location directly from your smartphone.

 While missing a flight is undoubtedly a stressful experience, understanding the appropriate steps to take can significantly mitigate the impact on your travel plans. Proactive communication with the airline, exploring rebooking options and understanding refund policies are crucial aspects of navigating the aftermath of a missed flight. Travel insurance can provide an added layer of protection in some cases. Taking swift action will increase your chances of finding a good alternative solution.

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How Do Travel Insurance Claims Work?

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Can I get flight delay compensation? These are the ways you qualify

Editor's Note

It's one of the most frustrating parts of travel. You book your flight, pack your bags and get ready for your trip. Then, right before you're set to fly, your flight is delayed — or worse, canceled.

You're stuck trying to salvage plans and figure out the best way to proceed, possibly missing airline connections, special plans, hotel reservations and more.

It feels like someone should pay you for all of this extra work and grief, right?

Ideally, the time-equals-money philosophy would be put into action in the case of delays. As with many things related to air travel rules, it's never quite as straightforward as we think it should be.

Here's what you need to know about qualifying for and receiving flight delay compensation.

What is flight delay compensation?

At its core, flight delay compensation repays you for lost time. Ideally, it holds airlines responsible for getting you to your destination within a set time frame. If they can't meet the minimum requirements for carriage, they would provide compensation, or financial repayment, for your time.

In Europe, one standard law provides for this type of financial restitution for delays and canceled flights, and it's very transparent and easy to understand. In the U.S., individual airlines set thresholds that are much less clear.

Related: Your flight is canceled or delayed – here's what you should do next

Flight delay compensation for international flights

Within the European Union, there are existing regulations that provide monetary relief to passengers for flights affected by delays and or cancellations, thanks to a 2005 regulation known as EU261.

If you are delayed three or more hours, you are entitled to compensation (see the chart below) unless the delay was caused by "extraordinary circumstances." These circumstances include weather, political strife, air traffic control decisions that are out of the airline's control and security risks.

Things like mechanical and technical problems are not extraordinary circumstances. However, airline strikes, for example, may be considered an extraordinary circumstance.

As a result, airlines have shelled out hundreds of millions of euros to passengers inconvenienced by delayed flights.

Since its inception, Europe has broadened this rule to apply to domestic connecting flights originating in the EU. This means flights within the EU, flights departing from the EU to the U.S. (and other countries) and even the connecting flights you book within the U.S. are eligible for compensation.

Depending on how long you're delayed, there are clear reimbursements you are entitled to receive:

Note that any compensation may be reduced by half if you accept a reroute from the airline to your final destination.

Related: TPG's guide to understanding EU261 flight compensation

Flight delay compensation for domestic flights

Unlike the European Union, the U.S. does not have one central tenet that directs how airlines should compensate passengers in the case of a delay.

"There are no federal laws requiring airlines to provide passengers with money or other compensation when their flights are delayed. Each airline has its own policies about what it will do for delayed passengers," is the official word from the U.S. Department of Transportation.

However, the DOT is making strides toward creating more transparency in the industry regarding this issue. As part of this, it's sought to hold airlines accountable for compensating passengers.

Travelers are already entitled to refunds for flights canceled by the airline and flights that are significantly delayed or changed after booking.

Until relatively recently, however, the DOT didn't define what constitutes a "significant" delay or change, leaving it to airlines to voluntarily self-regulate. In some cases, this resulted in airlines having extensive rolling delays of a flight rather than canceling it.

Now, the DOT has defined language and timing so that a "significant delay" would be defined as one that affects the departure or arrival time of a domestic flight by three hours or more (or by at least six hours for an international flight).

A "significant change" would include one that changes the departure or arrival airport or adds more connections to an itinerary than what was originally booked.

Interestingly, it would also include changes to the aircraft type "if it causes a significant downgrade in the air travel experience or amenities available onboard the flight."

Last year, the department unveiled its airline customer service dashboard — a tool that shows how the top 10 largest U.S. carriers will accommodate passengers in the event of a delay or cancellation that is within the airline's control.

For example, all 10 airlines will provide meal vouchers when a cancellation results in a wait of three hours or more for a new flight. All but Frontier Airlines will also provide complimentary hotel accommodations for passengers affected by an overnight cancellation. However, none of the 10, according to the DOT website, will provide cash compensation if a cancellation results in a passenger waiting for three hours or more from the scheduled departure time.

Note that the dashboard only provides information about amenities airlines provide when the delay is within their control. Many delays, however, are outside of the airline's control — for example, weather or air traffic control issues. Airlines generally provide little to nothing if a flight is delayed or canceled for those issues.

The DOT hopes the dashboard will become a resource for consumers to consider when they choose an airline.

Related: All the airlines' flight delay and compensation policies from DOT's customer service dashboard

What happens when I miss a connecting flight due to a delay?

Unfortunately, in the U.S., there is no overall policy governing delays. If you miss your connecting flight, contact your airline immediately either in person at the help desk, on the phone (usually a quicker option) or through the app. Or, if you have lounge access, head there first to talk to an agent, usually without a line.

The airline should work with you to place you on the next available flight. This may include putting you on another carrier. If you need to stay overnight, ask the airline for hotel and food vouchers.

After you return home, contact the airline about delay compensation.

Many travel credit cards include trip delay, interruption and cancellation benefits that protect you when flights go wrong. When you know that your flight will be affected, contact the issuer of the card that you purchased the ticket with to determine your options (see below).

Related: Missed your flight? Here's what to do

What credit cards offer flight delay compensation?

Trip delay reimbursement is a benefit that will compensate you for expenses that aren't reimbursed by your transportation carrier. Cards reference "common carriers" for this coverage, which typically means forms of public transportation with published schedules on which you bought tickets — think air trips, not road trips, for this category.

While airlines may provide hotel rooms and food vouchers for overnight delays that are under their control, such as maintenance issues, they typically won't provide support for things like weather delays. Moreover, what an airline provides may not cover all of your expenses. This is where trip delay reimbursement can help you.

Here are some cards that are among the best for trip delay reimbursement. It's important to note that the specific terms can vary from card to card (or issuer to issuer).

Also worth noting is that depending on the card, you must have a delay of six or 12 hours to qualify, which we note: Capital One Venture X Rewards Credit Card (six hours); Chase Sapphire Reserve (six hours) and Chase Sapphire Preferred Card (12 hours or overnight); The Platinum Card® from American Express * (six hours); Delta SkyMiles® Reserve American Express Card * (six hours); Marriott Bonvoy Brilliant® American Express Card® * (six hours); Marriott Bonvoy Boundless Credit Card and Marriott Bonvoy Bold Credit Card (12 hours or overnight); World of Hyatt Credit Card (12 hours or overnight); United Club Infinite Card and United Explorer Card (12 hours or overnight).

* Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company .

Related: Flight delayed? Remember these 4 things if you want trip delay reimbursement from your credit card

How to apply for flight delay compensation

Don't delay in requesting your compensation. In the EU, individual countries set deadlines, and they can vary wildly. The deadline to file a claim is not based on your citizenship, where you live or your destination but instead the location of the headquarters of the airline you flew.

You can generally find instructions on how to submit a claim on a carrier's website. However, if you have trouble finding that information, you can also print and complete the Air Passenger Rights EU Complaint form and submit it to the airline directly.

In the U.S., it's also best to ask for compensation soon after your disrupted flight. Domestic carriers are not obligated by law to offer financial compensation for delays. However, many do have policies — which you can find on the DOT dashboard — that provide some financial restitution for long delays.

Be sure to keep a copy of your flight information, including your ticket number, for the compensation request.

Bottom line

Although there is no consistent policy across the board for delay compensation, there are a number of ways you may be able to get financial compensation if your flight is significantly delayed.

In Europe, for delays of more than three hours, you may be eligible for compensation under EU261. In the U.S., check the DOT's dashboard to see if your carrier will compensate you for your delay.

If you can't get financial compensation that way, check with your credit card issuer to see if it provides trip delay reimbursement.

Related reading:

• When is the best time to book flights for the cheapest airfare?
• The best airline credit cards
• What exactly are airline miles, anyway?
• 6 real-life strategies you can use when your flight is canceled or delayed
• Maximize your airfare: The best credit cards for booking flights
• The best credit cards to reach elite status
• What are points and miles worth? TPG's monthly valuations

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance And Missed or delayed Flights

Have you ever had that rising feeling of desperation that you are going to miss your flight? Final boarding call. Gate Closed!...Hearing these words at an airport can ruin your day. Who is going to pay for this! Exactly who pays will depend upon who was at fault for the missed departure and whether or not you took out  comprehensive travel insurance. There is no clear-cut yes or no answer for missed flights being covered by  travel insurance , but in a nutshell, you would be covered if you missed your flight for an insured reason .  The reasons covered would be detailed in your insurer's policy wording.  However, if you miss a connecting flight because of travel delays caused by the airline, then you wouldn’t be covered. Whilst in Australia, airlines are not obligated to compensate passengers whose flights are deferred or cancelled, they are required by law to assist you in rescheduling your flight if you are bumped from an oversold flight. Terms vary by airline, but most airlines will either rebook you on their next available flight to your destination at no additional charge or provide you with a credit for future travels. Travel insurance is there to cover you for unexpected, unforeseen events, not regular travel disruptions.  So far in 2023, 22% of flights have been delayed. 

Connecting Flights On Different Airlines

Understanding when you’re covered (and when you’re not) can get a bit fuzzy when two legs of your journey are with different airlines. If your journey all the way through to your destination is with one carrier – you should be fine. If you miss your connection, the airline will make sure you get on another flight, or they will provide food and accommodation if long delays are expected. However, if you are booked on two airlines and miss your connecting flight, Housten, you could have a problem!  The second airline is not responsible for putting you on another flight just because of the first carrier’s delay. And because travel insurance does not cover missed connections caused by the airlines, you might not be covered for the cost to buy a new airline ticket.

So When Does Travel Insurance Cover For Missed Flights?

You’re covered for travel and accommodation expenses if:

• You miss your connecting flight because of a motor vehicle (or rail, bus, marine) accident you’re involved in.
• You miss your flight because of natural disasters , severe weather, hijacking, riots or civil unrest . The event must have begun after the insurance policy was issued.
• A medical practitioner notifies the insurer that you are unfit to continue with your trip. You will need this in writing and it cannot be a  pre-existing medical condition  unless this was disclosed and covered.

When You Are Not Covered?

When it comes to travel insurance, it is important to know that most policies will not cover delays that are caused by the airline. So you wouldn’t be covered for…

• Mechanical issues, delays or overbooking. The airline should provide compensation in these instances.
• You wouldn’t be covered if you missed your flight because you didn’t leave enough time to get there. This includes traffic on the way to the airport delaying your journey.
• If you are offered compensation or alternative flights by your airline and you do not take them.
• If you miss your flight for a covered event such as severe weather, but you book another flight on a higher class ticket. Your insurance will only cover the cost of the initial ticket price that you booked. So don’t go upgrading yourself too quickly!

What Do You Need To Have Ready To Claim For Missed Flights?

• Know how to claim with your insurer - read their product disclosure statement, and check the sections on cancellation and lost deposits, alternative travel expenses, and general exclusions.
• Proof proof proof. If you experience delays or cancellation of any sort you will always need written proof of the cancellation or delay from the airline.
• If you’re involved in a road traffic accident that stops you from making your flight, make sure you get evidence from the transport authority in that destination.
• If you cannot travel for health reasons, make sure you get documentation from your doctor.

5 Tips To Avoid Missing Flights

With so many fun things to do in life, most of us tend to time our arrival at airports with just enough time to get through security and walk onto the plane. Traveller be warned, it doesn’t take much to set off a domino effect of missed flights and misplaced luggage. It’s no fun running through an airport hearing “Last boarding call for Eugene Wylde”.  So here’s some words of wisdom…

• When travelling by plane, assume you’re going to be delayed by traffic, experience long check-in queues or be stopped by security for packing a python in your suitcase.
• If possible, book all flights to your destination with the same airline. That way the airline is obligated to get you on the next flight and/or put you up if long delays are expected.
• If you know you’re likely to miss a connecting flight – call the airline. They might be able to put you on a later flight and then problem is solved!
• Do your research – don’t just go with the cheapest option and have to pay later. Look for flights with better connecting times. You might find you’ll only be paying a few dollars more anyway.
• Don’t leave yourself less than 3 hours for a connecting flight - why not enjoy the stopover? Break up the journey and stay overnight rather than leave yourself no time to make the next flight.
• See if you can check your bags all the way through to your final destination, even if you’re flying with different airlines.
• If you plan to snooze at the airport, do it at your gate, so if you wake up at the last minute, you have a chance of getting on board.
• Remember that some policies will be more favourable than others when it comes to missed flights. So take a look at your policy documentation, check out travel insurance reviews  from customers, and give your insurer a call to check their cover. 

Travel Insurance  FAQs on Flight Cover

Does travel insurance cover delayed or rescheduled flights.

Typically, travel insurance will cover you for missed flights and travel delays, provided it's not your, or your airline's, fault. Many travellers wrongly assume that travel insurance covers flight delays or rescheduling due to operational, technical or mechanical reasons caused by the airline. This isn't the case. So far in 2023, 22% of flights have been delayed. It is ultimately. your airline's responsibility to provide you with the service that you have paid for. Where possible, they should get you on the next availale flight and compensate you for lengthy delays if meals and accommodation are required. Travel insurance will however cover you for missed flights and delays, as long as it's because of a reason outlined in your policy. This would usually include a motor vehicle accident, natural disasters, riots and strikes.

Am I covered to buy new connecting flights?

Travel insurance won't usually cover you if you miss your connecting flight due to a delay caused by the airline. In this case, the liability falls with the airline. In the event that you have an important special occassion such as a concert, wedding or funeral where the date cannot be moved and you have to buy new flights to reach your destination on time, there may be provision to claim on travel insurance. Special terms will apply, such as allowing plenty of time betweeen the original connecting flight booking. This is usually in the realm of 3 hours. Commonsense prevails when planning your trip. Flight delays are commonplace so it makes sense to arrive at least one day prior to any planned event.

Will I be covered if I miss my flight due to traffic?

Not usually. It is up to you to monitor the expected time to get to the airport allowing for heavy traffic. In particular you should allow plenty of time to check-in, expecting queues during peak holiday periods. You may be covered if you are involved in a car accident.

Am I covered if my flight is cancelled?

As with flight delays and rescheduling, whether or not you're covered for flight cancellations depends on the cause of the cancellation. If your flight was cancelled due to a mechanical fault, overbooking, maintenance, repairs, rescheduling, service faults, a pilot sleeping in, or the airline closing down then you are generally not covered. You've paid the airline for a service that they haven't delivered. The exception is where insurers offer alternative transport expenses or disruption of journey benefits, which help you get to a special event such as a wedding or funeral on time. This may include cover for additional meals and accommodation regardless of whether the airline was at fault. There are also of course unforseen and expected circumstances where you are cancelling your trip would be covered. Visit cancellation cover to learn more about the benefits of travel insurance when you have to cancel your trip.

Can I lodge a formal complaint against the airline?

If your flight is delayed or cancelled, the rules for compensation are generally set by the country the flight is departing from and it seems that Australian flyers are in a world of pain copmared to the USA and Europe. Airlines have been allowed to write the rules on how they operate putting the consumer at their mercy and the Australian government has taken its hands off the wheel. Under Australian fair trading laws, you have the right to make a complaint to the airline if it fails to deliver an adequate service. In the event that you have a dispute with an airline which isn't resolved to your satisfacytion, you can lodge a formal complaint with the ACCC. Visit the ACCC website to learn more.

Travel Insurance Extraordinarie At Your Service

Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

Trending Tips And Guides

Ultimate guide to travel insurance

Although you shouldn’t bank on the worst possible scenario, it’s hardly worth taking a gamble on your travels. Our travel insurance guide helps you navigate around the tricky world of travel insurance.

Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

Pregnancy travel insurance guide

Not all insurers will cover you automatically if you’re over 22 weeks gestation or have had pregnancy complications. See which companies offer cover for pregnant women.

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Making a claim on your travel insurance

This advice applies to England. See advice for See advice for Northern Ireland , See advice for Scotland , See advice for Wales

Travel insurance can give you extra protection if your holiday doesn't go as planned. This is very important if you are travelling independently because you may find yourself stranded with no way to get home and no rep to help sort out your holiday problem.

Read this page to find out more about what you need to do if you have to make a claim on your travel insurance policy.

Remember to take your travel insurance policy number and emergency contact telephone number with you when you travel

if a problem happens while you're away, keep receipts for everything you need to buy to support your claim

if possible, get your insurer to agree to medical treatment before it's carried out

always tell your insurer about an existing health problem before you take out insurance, or you may not be covered

report lost or stolen belongings to the local police within 24 hours of them going missing. If this isn't possible tell the person in charge where they went missing.

Making a claim while you're travelling

Make sure you take your insurance policy number and the emergency contact details away with you. This is so you know exactly who to speak to first if you have a problem and it can be dealt with as quickly as possible. If you're travelling abroad, check you've got the right phone number.

Making a claim when you get home

If you need to make a claim on your travel insurance policy when you get home, check the following things before you send off your claim:

you're within the time limits for making a claim

you're covered for what you're claiming for

how much the excess is. The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you're claiming for is less than this

the small print . Make sure there's nothing in the terms and conditions that prevents you from claiming

whether it's a new for old policy. If it isn't, the amount you get for items you're claiming for will be less than the cost of replacing them. This is because the insurer takes off money for wear and tear.

Contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself.

You'll need to include copies of all paperwork that will help your claim, including receipts or medical certificates. You should also keep copies of the originals in case your claim is queried or refused.

Your insurer may ask if you have other insurance that may cover the claim. You'll need to let them know if you have other insurance that may also offer cover, for example, home contents insurance.

Making a claim for lost, stolen or damaged items or luggage

You're expected to take reasonable care of your belongings while you're travelling. The insurer will want to see evidence that you did this.

If your belongings are lost or stolen, you should tell the local police within 24 hours of the items going missing. If this isn't possible, tell someone else such as your tour rep, hotel manager or transport provider and get a written report.

If you have to replace essential items, such as toiletries or emergency clothing, ask for receipts to send as evidence with your claim.

Making a claim for medical emergencies and personal injury

If you need medical treatment while you're away, try to contact your insurer straightaway and get them to agree to the treatment. You should do this before it's carried out, although this may not be possible in an emergency.

You may have to pay up-front for medical treatment and claim it back when you get home. Always make sure you get receipts for any treatment or medication you're given.

If you did not tell your travel insurer about an existing health problem before you took out the insurance, you may not be covered if you need treatment  for this while you're away.

You may not be able to claim for the cost of any medication that you usually need and may have to take while you're travelling.

If you're a UK resident and have a European Health Insurance Card (EHIC), you can still use it to get healthcare in EU countries until it expires.

If you don't have an EHIC or it has expired, you can apply for a UK Global Health Insurance Card (GHIC) on the NHS website. You can use a GHIC to get healthcare in EU countries at a reduced cost or sometimes for free.

If you’re visiting Norway you can use your UK passport to get medically necessary healthcare there. Some countries have agreements with the UK to give free emergency treatment.

Travel insurance should cover you for pregnancy if you are in normal health. However, some airlines won't let you fly if your baby is due within a few weeks.

Making a claim if you have to cancel or shorten your trip

If you need to make a claim because you've cancelled or shortened your trip, your insurer will only accept your claim if you have a good reason for doing this. Reasons may include:

unexpected death, illness or injury of you, your partner or people travelling with you

a fire, burglary or unexpected damage happens to your home

you're made redundant

you're pregnant and are advised not travel after you took out the insurance

you're called for jury service or as a witness in court.

If you have to come home early, your insurer will usually only refund any extra travelling costs and the cost of any unused time in your holiday accommodation.

If you need more help

Other useful information

Medical treatment in other countries www.nhs.uk .

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Page last reviewed on 20 February 2020

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What Is Trip Delay Insurance?

With news about airline delays, weather issues and airport inefficiencies, trip delays are more common than ever. No one likes a long travel day or an overnight stay at the airport if you've been looking forward to your long-awaited vacation for months, but a sudden flight delay threatens to derail your carefully planned itinerary. 

Missed connections, overnight stays and unexpected expenses can quickly turn a dream trip into a nightmare. This is where trip delay insurance comes in. It offers a financial safety net to help you navigate the frustrating realities of travel disruptions. Should you get trip delay insurance and when is it worth it? Find out below. 

How Does Trip Delay Insurance Work?

Trip delay vs. trip interruption insurance, what does trip delay insurance cover, what is not covered, how much does trip delay insurance cost, pros and cons of trip delay insurance, how to get trip delay insurance.

• Compare the Best Trip Delay Insurance From Benzinga's Top Providers

How to File a Claim for Trip Delay Insurance

How to be ready for travel delays, do you need trip delay insurance .

• Frequently Asked Questions 

Trip delay insurance is a type of travel insurance coverage that reimburses you for certain expenses incurred because of a significant delay in your travel plans. If your flight, cruise, train or other mode of transportation is delayed for a specified period — usually six to 12 hours or more — the insurance kicks in, providing compensation for additional costs like meals, accommodation and transportation. 

While millions of travelers don't use trip delay insurance and it's certainly not essential, when you're stuck in an airport halfway to your destination, you'll be happy you bought it. 

Trip delay insurance and trip interruption insurance aren't the same, even though the names are similar. It's important to understand the distinction between the two and ensure you have the appropriate coverage for your travel needs.

Trip delay insurance covers expenses related to a temporary delay. On the other hand, trip interruption insurance is designed to protect you if your trip is cut short or you need to return home early because of an emergency or unforeseen circumstances. 

According to Progressive, "Trip interruption applies to trips unexpectedly cut short for a covered reason, and trip delay applies to travel plans that are delayed (but not cut short) for a covered reason." 

While both can be valuable, you'll find more details on trip delay insurance below. 

Trip delay insurance can provide reimbursement for a variety of expenses incurred during a travel delay, which can end up costing hundreds or thousands of dollars. Reimbursed expenses vary by policy, but typically include:

• Meals and accommodations during the delay period 
• Transportation costs to catch up with your planned itinerary
• Expenses for activities or tours missed because of the delay
• Change fees for rescheduling flights or other bookings
• Reasonable communication expenses for phone calls or internet access en route

Like all other insurance policies, trip delay insurance has limitations and exclusions. Common scenarios not covered include:

• Delays for personal reasons or negligence
• Delays caused by preexisting conditions or known events
• Delays resulting from natural disasters or civil unrest
• Expenses not directly related to the travel delay

The cost of trip delay insurance varies by provider, the length of your trip, the total cost of the trip and the coverage limits you choose. Most travel insurance companies offer trip delay coverage as part of a comprehensive travel insurance plan or as an add-on option.

For example, a basic travel insurance plan covering a week-long domestic trip might cost around $50 and include up to $500 in trip delay coverage. For longer international trips or higher-end itineraries, the cost could range from $100 to $500 or more, with trip delay coverage limits ranging from $1,000 to $4,000 or higher.

Like any insurance offering, trip delay insurance has advantages and disadvantages. Here are the pros and cons to consider before getting trip delay insurance. 

• Financial protection against unexpected travel disruptions
• Can offset additional costs from travel delays
• Peace of mind 
• Reduce travel stress
• You'll pay for peace of mind
• Adds to your travel expenses
• Limitations and exclusions may apply, so you may not get the coverage you need
• Time-consuming claims require documentation

It's not difficult to get trip delay insurance. You can contact your primary insurance provider, or search for trip delay insurance online. Here's how to get trip delay insurance: 

• Research trip delay insurance and compare total costs, coverage and limitations.
• Reach out to your primary insurance provider for possible trip delay insurance add-ons.
• Check online providers to see about better rates.
• Decide whether you want to purchase comprehensive travel insurance that includes trip delay coverage or get a standalone product.
• Buy trip insurance for your travel dates, and enjoy the peace of mind of knowing you're covered.

When purchasing trip delay insurance, review the policy details carefully, including the coverage limits, deductibles and any exclusions or requirements. Additionally, ensure you meet any eligibility criteria, such as purchasing the policy within a specified timeframe before your trip.

Compare the Best Trip Delay Insurance From Benzinga’s Top Providers

Compare Benzinga's best trip delay insurance providers. Benzinga’s trusted partners can help you get the best insurance for your needs. 

This provides a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Both the travel insurance producer and the underwriter referenced above may be reached at 1-844-872-4163. Your policy is the contract that specifically and fully describes your coverage. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found at: https://www.roamright.com/disclosures/. Privacy policy can be found at: https://www.roamright.com/roamright-website-privacy-policy/ *Plans are solicited by licensed producers in NY and HI. 

If you experience a travel delay that qualifies for coverage under your trip delay insurance policy, filing a claim can be a hassle. Be sure to save all documentation or receipts. Then, follow these steps:

• Contact the provider: Notify your travel insurance provider as soon as possible about the delay.
• Provide documentation: Gather and retain all relevant documentation, such as receipts for additional expenses, flight itineraries and proof of the delay.
• Fill out the claim: Complete the claim form provided by your insurance company, providing detailed information about the delay and expenses incurred.
• Submit the claim: Submit the completed claim form along with the required documentation within the specified timeframe.
• Follow up to finalize: Cooperate with any additional requests from the insurance company for information or documentation.

While trip delay insurance can provide financial assistance, you'll also want to be proactive and prepare for travel days. By preparing for potential travel disruptions, you can have a backup plan in place. 

Here are some tips to help you stay ready:

• Allow ample time for connections and transfers. For example, one hour is usually too little time for an airline connection. 
• Pack essentials , medications and valuables in your carry-on luggage.
• Keep copies of important travel documents and contact information with you. 
• Monitor weather and travel advisories for potential delays or cancellations, and make alternate plans if necessary. 

Travel delays can be frustrating and disruptive, but with the right preparation and protection, you can minimize their impact on your trip. Trip delay insurance isn't for everyone. If you have ample savings and are willing to pay out of pocket for trip delays, you might not need it. However, on the off chance that everything goes wrong, trip delay insurance can help you save more.

By understanding the benefits and limitations of trip delay insurance and taking proactive steps to be ready for potential disruptions, you can enjoy your well-deserved vacation without being stuck in an airport or losing savings. If you want to research more options, consider whether travel insurance is worth it , then find the best travel insurance companies or check out travel cancellation insurance . Some credit cards or business credit cards may also offer travel insurance. 

Frequently Asked Questions 

Can i claim for a 2-hour flight delay.

Coverage varies by provider, but most trip delay insurance policies require a minimum delay period of six to 12 hours before coverage begins. For that reason, a two-hour delay is not usually covered.

Does travel delay insurance cover missed connections?

Yes, many trip delay insurance policies cover expenses related to missed connections. However, that varies by policy, and generally trip delay insurance will only cover delays beyond your control.

Can I purchase travel delay insurance after my trip has already started?

No, travel delay insurance usually must be purchased before your trip begins. Insurance companies will not cover a delay that has already occurred.

About Alison Plaut

Alison Kimberly is a freelance content writer with a Sustainable MBA, uniquely qualified to help individuals and businesses achieve the triple bottom line of environmental, social, and financial profitability. She has been writing for various non-profit organizations for 15+ years. When not writing, you will find her promoting education and meditation in the developing world, or hiking and enjoying nature.

My insurer won’t pay out after a storm caused me to miss a connecting flight

Gill Charlton has been fighting for Telegraph readers and solving their travel problems for more than 30 years, winning refunds, righting wrongs and suggesting solutions.

Here is this week’s question:

In November, my wife and I travelled to three different wildlife parks in India on a trip organised by Wildlife Worldwide. On the final day, November 26, we were due to fly from Bhopal to Mumbai with IndiGo Airlines to connect with a British Airways flight back to the UK.

Unfortunately, the domestic flight was delayed by two hours. IndiGo told us this was due to “adverse weather conditions in Mumbai” but in a confirmation email sent to Wildlife Worldwide’s local agent in India it said the delay was due to “traffic control congestion”. 

The upshot was that we missed our BA flight and had to buy new tickets to fly home, which cost £1,675 each.

My wife made a successful claim under the Missed Departure section of her Halifax Bank travel insurance policy, but my claim was rejected by InsureandGo, which said I wasn’t covered for air traffic control congestion. 

Wildlife Worldwide has made several attempts to get a note from IndiGo saying it was a weather event to no avail. Should I just give up?

– John Good

Absolutely not. InsureandGo’s Gold multi-trip policy, underwritten by Zurich UK, says that you can claim up to £1,000 for Missed Departure if you cannot reach your departure point for your final return journey (the BA flight) due to “a failure of scheduled transport due to bad weather, strike or industrial action”. 

I contacted InsureandGo and sent across links to newspaper reports and a YouTube video of the intense storm that engulfed Mumbai on the afternoon of November 26. The evidence was irrefutable. Fortunately InsureandGo’s underwriters agreed.

“When making his claim, Mr Good could have been advised by the claim handlers of other free-to-access information sources that would have confirmed the cause of missed departure,” said a spokesman for the insurer. As well as paying the claim it is also giving Mr Good an additional £100 as a goodwill gesture. 

My experience of IndiGo – and other low-cost carriers – is that domestic flights regularly take off late, with delays compounding as the day progresses. It is essential to allow for this when travelling in India and, if making a connection to an international flight, I would allow at least five hours, or build in an overnight stay to remove the worry entirely. Getting proof for an insurer after the event is nigh-on impossible so try to get something in writing while at the airport.

Luckily, in Mr Good’s case, it was possible to prove that this was an unusual weather event, but most insurance policies have very restrictive reasons for accepting Missed Departure claims, and air traffic control delays are rarely among the reasons given. Note also that some cheaper travel insurance policies only provide cover for missing the outbound flight.

– Gill Charlton

Your travel problems solved

Gill takes on a different case each week – so please send your problems to her for consideration at [email protected]. Please give your full name and, if your dispute is with a travel company, your address, telephone number and any booking reference. Gill can’t answer every question, but she will help where she can and all emails are acknowledged.

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June 1, 2020

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Warmer spring-like weather forecast in UK after chilly April

Grey skies and persistent rain could be replaced by temperatures as high as 20C in south-east England

Chilly April is on its way out with the coming days set to usher in warmer temperatures more akin to spring, according to the Met Office.

The lack of sunshine, grey skies and persistent rain have contributed to it feeling unusually cold as April comes to a close.

But forecasters expect that to change from Wednesday, with temperatures in south-east England in the mid to high teens and possibly nudging 20C and beyond later in the week in some southern areas.

The Met Office meteorologist Tom Morgan said: “It wouldn’t be harder to be warmer, compared to what it has been like recently. Temperatures have been below average for the last couple of weeks across most of the UK and particularly chilly for the last few days.

“So yes, it is turning warmer. But it’s not going to be too exceptional for early May. Temperatures will be recovering to close to average values by Tuesday and Wednesday, possibly a little bit above average by the end of the week so we could see highs locally up to low 20s. But it won’t be for everyone.

“We are not going to see blue skies and wall-to-wall sunshine. There will be some sunshine, but there will also be quite a lot of cloud and some showery rain at times this week.

“Compared to last week it will be much warmer and a bit drier too, but quite mixed weather day to day and nothing particularly warm for the time of year.”

The highest temperatures are most likely to be across central and western England, and perhaps south Wales . But there will be regional variations. “On the coast, for example Essex, Suffolk, Norfolk, it could just be 12C or 13C, whereas in London it could be 19C or 20C. So there will be big regional variances. Possibly 22C to 23C is the absolute maximum towards Friday, but that would require everything to come together, lots of sunshine, light winds etc,” Morgan said.

If everything did come together, it is possible areas including northern Scotland could see “an isolated 20C”, he added. “But probably the highest temperatures will be in central and southern England and parts of south Wales.”

April has been a “month of two halves” with a warmer first fortnight followed by chillier second fortnight. There has been an average of 99mm of rainfall in April so far, which is 27% higher than usual for the month.

And while it would be warmer going into May, it would be “nothing like a heatwave or anything like that”, said Morgan.

“Having said that, as you go towards the first bank holiday weekend, it does look mostly fine for a large part of the UK, with high pressure dominating, so mostly dry and temperatures fairly reasonable for the time of year of between 18C to 21C for lots of the UK.”

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