This couple lost £1,000 after their flight was cancelled - here is what to check so you don't

A couple from North Yorkshire lost £1,000 after their flight home from Sri Lanka was cancelled due to the Iran conflict, as their travel insurance did not cover war-related losses [1]. Debbie and Ardon Rainbird were stranded for an extra two weeks after their return flight via Doha was cancelled [1]. Their annual travel insurance policy excluded war, leaving them to pay around £1,000 out of pocket for extended accommodation, despite their tour operator covering some of the initial extra nights [1]. "It is frustrating because you budget for a holiday," Debbie said [1]. Analysts at Defaqto note that while the cost of insurance is stable, holidaymakers now have far fewer policy options for travel to regions near the Middle East conflict [1]. The Association of British Insurers states airlines are responsible for offering alternatives or refunds for operational issues like cancellations [1]. However, claims linked to geopolitical issues may not be covered by insurance [1]. Travel insurance expert Anna-Marie Duthie of Defaqto advises checking policy details, as some may include disruption coverage for civil unrest or airspace closures [1]. The Foreign Office advises against all travel to Iran, and insurance is invalid for destinations with such warnings [1]. Consumer experts recommend buying insurance as soon as a trip is booked, as most policies do not cover claims linked to a 'known event' that escalates after purchase [1].