Flight delay
Pays on minutes of delay at the arrival gate, or on cancellation, for each named flight on your itinerary.
Typical strike
187 minutes
(01) The policy
Five numbers,
filled in for this peril.
The fifth number is your cell: we read it from the address you send, before the quote.
Index
Minutes between scheduled and actual gate arrival of a named flight, read from the aviation feed
Typical strike
187 minutes
Exit · pays 100 %
391 minutes
Limit range
$400 – $12,600 per traveller, up to $1,350,000 per group
Tiers
Tier 1 · 187 minutes · pays 25 % — Tier 2 · 262 minutes · pays 50 % — Tier 3 · 391 minutes, or cancellation · pays 100 %
(02) How it’s measured
Tern Flight Feed · Meridian Ground Network
At least two of the sources must land within the policy margin before the calculation agent signs. If they don’t, the fallback order in your schedule decides.
(03) Who buys it
Corporate travel managers, tour operators, incentive-trip organisers, touring crews, conference hosts
(04) The policy in full
The Flight delay policy covers named flights, not routes. You give us the flight number and the date, and we watch the arrival gate time against the schedule. The index is minutes, counted from the scheduled in-block time to the actual in-block time reported by the aviation feed. Late departure on its own does not pay, because plenty of aircraft make the time up in the air.
Tier 1 starts at 187 minutes and pays 25 % of the limit. Tier 2 starts at 262 minutes and pays 50 %. Tier 3 starts at 391 minutes, or at cancellation without rebooking inside that time, and pays the full limit. The limits are per traveller for individuals and per group for crews and delegations, so a travelling band and a sales team of 38 people hold the same product at different sizes.
Delays are the only peril where two feeds can disagree for a few minutes at the border of a tier. We solve that with a rule you can read: the policy takes the later of the aviation feed’s published arrival and the airport’s own record, and it rounds in your favour at the threshold. A flight that arrives 186.6 minutes late is paid at Tier 1.
The prevention part is a reroute notice. When a weather system or a closure pushes the forecast delay of one of your flights past 120 minutes, the traveller and the travel manager receive a message with the forecast and the nearest alternative departures. The payment does not depend on whether they rebook; it depends on what happens to the flight they were originally on.
(05) Coverages