
Admiral | Gold
Fire is a named catastrophe, so the policy pays to move you somewhere safer or get you home early. But that is capped at £1,000, and cancelling before you go still needs a Foreign Office warning.
Cover review
- Cancellation · £3,000Only a Foreign Office warning against all, or all but essential, travel issued after you book
- Early return · £3,000The same Foreign Office change; an early return driven by the fire alone comes out of the £1,000
- Evacuation & alternative accommodation · £1,000Fire is a named catastrophe: moving somewhere safer, unused accommodation and getting home. Not both what you lost and what you moved to, and £1,000 covers the lot
- Transport disruption · £250Strikes, severe weather and breakdowns, or a 12 hour hold-up at your departure point
- Belongings destroyed by fire · £2,000Included as standard, with £300 the most for any one item and for all valuables together
Obligations review
- Power cuts Nothing caused by a power cut is covered, and fires often mean the electricity is switched off on purpose
- Search and rescue billsCharges from any authority or private firm for search and rescue are excluded, except medical evacuation
- Once officials say it is safe The £1,000 stops paying once the local or national authorities confirm it is safe to travel to or stay at your destination
- You cannot claim for both Not both the accommodation you lost and the one you moved to, and not both your unused and your replacement travel




