Insurers will NOT cover T5

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  • Anonymous


    In the press on Tuesday (Daily Telegraph), Insurers have been indicating that they;
    “Will not insure Policy holders for delays or lost baggage or missed connections involving terminal 5 at LHR”

    Some insurers indicated that for annual policy holders, or policies taken out prior to T5 opening, & the problems being known, would be covered. For new policies they would be excluded.

    One insurer stated;
    “it is not unlike being flooded once on yr Home Insurance Policy. Once you have a pre-disposition to it, or it is a likelyhood, then your insurers will cease to cover you. Terminal 5 is established as highly likely, to have such events with luggage, missed connections, & other such delays or problems. It is therefore reasonable that insurers assess the risk accordingly.; Policy holders must minimise their exposure to risk.”


    So, travel BA or partners through T5, & you had better be aware that you may NOT be covered with your travel insurance.

    It seems the only surety of departures at T5 & with BA, are its operations Director, & Customer Relations Director that seem to have been pushed out. Willy Walsh, whilst stating “the buck stops with me”, has demonstrated far from that.

    Aborad, colleagues in the US, Australia, EU, are avoiding BA, laughing at T5, & it is the butt of national jokes. Other airports around the world have teething problems for sure, but not really at this proprtion, nor affecting one Airline. BA management had poorly prepared for the “move” (partial anyhow). BA’s reciord around the world in the last 3 years when other airlines carry on services whatever the events has been dismal. It is fast losing respect, & customer loyalty.

    BA & BAA, are a National discgrace to the UK. I have no intentions of using either, thanks.

    Dear MarkRoberts,

    Thank you for your post. We have today contacted the following insurers, all of whom say that they will provide insurance for passengers travelling through T5:

    American Express, Royal Sun Alliance, More Than, Endsleigh, Insureandgo, Norwich Union, Churchill, Privilege, Prudential, Saga, AIG Direct, Post Office, Tesco, Sainsbury’s, Woolwich, Barclays, AA, Admiral, Gotravelinsurance, Istoptravelinsurance, etravelinsurance, Gogay, Fortis, Alliance and Leicester, Drakefield, Swinton, RSA, Columbus, Flexicover, First Assist group, Lloyds TSB, Legal and General, Lombard Direct.

    Readers should also note that although Direct Line previously said it would not cover T5 travel, it has since changed its policy, as per the statement below:


    Direct Line Travel Insurance – T5 Update

    Following assurances from British Airways and BAA that service levels at Heathrow’s Terminal 5 have returned to an acceptable standard, Direct Line travel insurance policies will be valid should customers suffer lost and delayed baggage or flight disruptions at the airport.

    It has always been the case that customers who have bought single and annual travel policies before the Terminal opened on 27th March were fully covered for any disruption or loss.

    Additionally, as a gesture of goodwill, Direct Line will be taking a sympathetic view of any claims made against flight disruptions or lost
    and delayed baggage at the Terminal since its opening – irrespective of when the policy was bought.

    To date, Direct Line has agreed to pay all claims made in respect of lost luggage at T5.


    Hope this helps,

    Business Traveller

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