Flight delayed, cancelled due to fog? You can get up to Rs 2 lakh if you have a travel insurance

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Key Points

Know DGCA rulesAccording to the Civil Aviation Requirement (CAR) Section 3, Series M, Part IV titled "Facilities to be provided to passengers by airlines due to denied boarding, cancellation of flights and delays in flights" issued by the Directorate General of Civil Aviation (DGCA) the airlines have to provide following measures to the affected passengers due to cancellation and delay. 1) In case of cancellation, the airlines have to either provide an alternate flight or provide compensation in addition to the full refund of the air ticket..

However, you need to keep in mind that airlines are not obliged to compensate in cases where the cancellation and delay is caused by a force majeure event i.e. extraordinary circumstance(s) beyond the control of the airline.. Flight is delayed due to low visibility amid fog: Will your travel insurance cover it?..

A travel insurance policy with coverage for flight delay covers serves as a safeguard for travellers, providing compensation for incidental expenses incurred at the airport in the event of a delayed flight beyond the stipulated duration mentioned in the policy, says Manas Kapoor, Business Head - of Travel Insurance, Policybazaar.com...

"Under Go Digit's 'On-the-move' insurance, if a flight is delayed beyond a stipulated number of hours (typically two to three hours), then a flat benefit payout is given to the customer that typically helps in covering for any additional expenses a traveller ends up making during the time spent at the airport," says Chaturvedi..

If you are unable to start your trip due to any natural calamity such as a storm or fog because your flight is cancelled due to such reasons and the airline is unable to provide you with any alternate booking, then you can make a claim under the trip cancellation cover, which typically covers you for any loss you might incur due to any non-cancellable or non-refundable component of your trip up to the sum insured mentioned in your policy...

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