I can confirm the intent of cover under Section 4 (Loss of Deposits, Cancellation & Curtailment) of our Corporate Travel product offering is to provide cover for unforeseen circumstances outside the control of the policyholder and insured person. Furthermore, the measure of a foreseeable circumstance is applicable to the point in time when travel and/or accommodation for a journey is first booked.
I would like to take this opportunity to highlight some exclusions which may also be of relevance, including:
Exclusion 5 under Section 4 (Loss of Deposits, Cancellation & Curtailment)
We will not be liable to pay loss, cost or expense arising from or attributable to any change of plans or disinclination on the part of the insured person or of any other person to undertake the journey.
Exclusion 6 under Section 12 (Political Unrest & Natural Disaster Evacuation)
We will not be liable to pay loss, cost or expense arising from or attributable to the political unrest or natural disaster that resulted in the insured person’s evacuation being in existence prior to the insured person entering the country or its occurrence being foreseeable to a reasonable person before the insured person entered the country.
I understand that our mutual client is seeking clarity on how this policy will respond in the above circumstance. I’m sure you can appreciate that hypothetical claim scenarios by nature are difficult to respond to in a definitive manner, however we hope the above policy intent and interpretation assists.
As mentioned with our phone conversation, the DFAT travel advice is key with regards to travelling. with this case travel to Paris. Therefore, prior to travel we recommend you keep an eye on such to remain within the knowledge of the current situation.
Naturally all claims will be assessed based on prevailing circumstances and within the confines of the policy terms and conditions.
