Depending on the airline you might be able to get compensation if your flight was cancelled or delayed. If your flight is cancelled or delayed it is important that you contact the airline so that you are made aware of what you may be entitled to.
If your flight has been delayed, due to the fault of the airline, depending on the airline’s policies and procedures you may be entitled to:
If the delay is the fault of the airline, the length of the delay and the distance of the flight (i.e. the countries you are flying to and from) will determine if you are entitled to compensation. As a general industry rule of thumb, the table below depicts the distances and delays needed in order to become eligible for compensation.
If you are eligible for compensation the airline might give you vouchers as compensation while you are at the airport. Consumer Affairs advises that if you are subjected to a flight delay while you are at the airport that you ask someone who works for the airline for assistance if you are not offered any help.
If the airline offers to provide your compensation for the delay, Consumer Affairs advises that you keep all receipts for expenses incurred as a result of the delay (i.e., food, hotel, taxis, etc.) and try to claim from the airline later. Airlines will likely only pay for “reasonable” expenses. Consequently, if you are granted compensation for a flight delay you are unlikely to get money back for alcohol, expensive meals or luxury hotels.
However, it is important to note that you are unlikely to get compensation if the delay was because of something outside of the airline’s control (e.g., bad weather or a health risk or security risk).
If your flight is delayed more than 5 hours, due to the fault of the airline, you may be entitled to:
If you have experienced a delay of 5 or more hours it is recommended that you talk to an airline representative to discuss the possibility of a refund. Industry methods of best practice dictate that you should get the refund within 7 days of the date of the flight.
If you do elect to take the flight, after having experienced a delay of 5 or more hours, which is the fault of the airline, you may only be entitled to a partial refund. Consumer Affairs advises that you review the terms and conditions of the airline and determine their approach to compensation for delays due to their fault.
If your flight is cancelled you have the right to either:
If you have to wait long enough for your replacement flight, the airline may be obligated to help you with the expenses you incur as a result of their cancellation.
Such expenses may include:
The airline might give you vouchers to cover your expenses while you are waiting at the airport for your replacement flight. Consumer Affairs advises that you inquire with an airline representation at the airport if you’re not offered anything following confirmation of the flight cancellation.
If the airline does not give you help at the airport, Consumer Affairs advises that you keep receipts for your expenses and try to claim from the airline later. Airlines only pay for “reasonable” expenses. If you are granted compensation for a flight cancellation you are unlikely to get money back for alcohol, expensive meals or luxury hotels.
If you are part-way through a journey (i.e. your connecting flight is cancelled) and you do not want a replacement flight, you have the right to a replacement flight back to the airport you originally departed from.
In this circumstance Consumer Affairs advises that you ask for a refund or replacement at the airport if you can. If not, you can claim from the airline later. You also have a legal right to:
Consumer Affairs advises that you review the terms and conditions of the airline and determine their approach to compensation for delays due to their fault.
If your booking was for a package holiday Consumer Affairs advises that you contact the company or travel agent that arranged or facilitated the purchase of your travel arrangements and request clarity as to how you may obtain a refund.
You might not want or be able to travel if for example:
If the company doesn’t cancel your booking you can ask for a refund; but you don’t have an automatic right to one. Check the terms and conditions of your booking to see what you can do.
You can find out if your travel is affected by coronavirus restrictions on the Bermuda Tourism Authority official website. Consumer Affairs advises that you also check the foreign travel advice on the Government of Bermuda’s official website.
Remember coronavirus restrictions and government advice might change before you travel or while you’re away.
Tell the company if the Government advises that travelling to a country will put your health or safety at risk. This might help you argue for a refund. If the company won’t give you a refund, it’s usually better to wait and see if they cancel the booking later. If they cancel the booking, they should refund you.
If you are unable to travel because of the Covid-19, you might be able to get a refund or choose to rebook your existing travel arrangements for another time.
Consumer Affairs advises that you check the website of the company you booked with and review any emails you’ve received from them as they might have a coronavirus refund policy.
Given the impact Covid-19 has had and continues to have on the travel industry, Consumer Affairs advises consumers to consider the following tips when travelling:
Tip #1: Download and use the app of the airline you are flying with. You can do everything on it (i.e. get your boarding pass, track your bags, inform you on cancellations, see your incoming plane and change a flight). This will help you avoid waiting in long lines to talk to an agent. Usually these apps will inform you of a flight cancellation before the flight crew are made aware.
Tip #2: Schedule your flights earlier than you need to; sometimes even a whole day early if necessary. Due to unforeseen delays and cancellations many consumers are missing important events like weddings, funerals, cruises, international connections and graduations. If you have to be somewhere by a specific time and date, Consumer Affairs advises that you spend the extra money, if you can, to ensure that you arrive at your destination early; even if it means arriving a day early.
If you are at the airport longer than usual, have something to eat and relax. If you arrive a day earlier, stay in a nearby hotel and experience the local sights and activities. It is better to arrive early than to face the stress and anxiety associated with missing the purpose of your trip entirely.
Tip #3: If possible schedule your flights first thing in the morning so that way you have more rebooking options if your flight, or connection flights are cancelled. This may mean you will have to consider booking a 3:00am flight. Additionally, early morning flights less likely to experience delays or be cancelled.
Tip #4: Schedule longer layovers. With the number of delays and cancellations now being observed in international travel a one hour layover is not enough of a buffer in the event you have to experience a cancellation and have to rebook a flight. Consumer Affairs advise that, where possible, you try to schedule 3 hour layovers to ensure that you are equipped to be able to respond to unforeseen events.
Tip #5: Airlines are currently understaffed and overworked. This includes not only pilots and flight attendants but also ground crews. Without ground crews there is no one to park the planes, drive jetways, load and unload baggage or scan boarding passes. Due to being understaffed this has contributed to many of the delays currently experienced by consumers of airline service providers. Given the current understaffing of airlines, and the potential for delays, this is further reason to make sure you schedule your flights earlier with longer layovers.
Tip #6: Given the potential for delays and the likelihood of experiencing stress and anxiety, Consumer Affairs advises consumers to always exercise their manners when dealing with airline staff. Airline staff are overworked and stress themselves. Failure to remain polite and courteous with airline staff will likely result in the airline staff refusing to provide assistance and elect to assist other passengers than show respect. Airline staff are people too.
Tip #7: Consumer Affairs advises consumers to refrain from public intoxication as being drunk on an airplane is considered a federal offense in the United States of America. If you do decide to drink alcohol while travelling on airlines, Consumer Affairs advises consumers to consume alcohol responsibly. If you drink too much at the airport bar while waiting for your flight (i.e. due to a delay or long layover) you are putting yourself at risk of not being allowed on the plane and not eligible for a refund.
Tip #8: Given the possibility of delays, and the increasing cost of travel, Consumer Affairs advises consumers to spend the extra money to obtain travel insurance. Although travel insurance will result in additional travel expenses, it is better to have a measure of security than face the risk of losing all of the money you have invested into a trip. Many times airlines are not responsible for refunds if the delay or cancellation is outside of their control (i.e. a force majeure event that is unforeseen and outside of their control, such as a weather delay).
Tip #9: Given the pent up demand for travel, Consumer Affairs has observed that many flights quickly become full. This can cause issues for families that book their travel last minute and wish to sit together. To ensure that your party can sit together while travelling, Consumer Affairs advises consumers to book their flights in advance and as soon as it becomes available select their seats on the airline. Once the seats on the airline are allocated to passengers airline staff will likely be unable to rearrange the seating of the airline to accommodate your request.
Tip #10: Beware cheap seats and the possibility of airlines being oversold. If you use a third party website to purchase cheap/discount seats (i.e. Expedia, Kayak, Hotwire, etc.), and if the airline is overbooked and no one volunteers to give up their seats, the airline will likely elect to bump the passengers that purchased the cheap/discount seats first.
Tip #11: Prior to arriving at the airport Consumer Affairs advises consumers to take a shower, brush their teeth, avoid using fragrant sprays (i.e. cologne, perfume, body spray), pack a sweater and an extra set of clothes in your carry-on bag. In the event that you are subjected to a delay or cancellation, there is the possibility that your check-in bags were on a separate flight that has already left. Always be prepared for the possibility that you might have to overnight somewhere other than your final destination.
If your flight is cancelled, depending on the terms and conditions of your airline, you may be entitled to compensation if the cancellation of your flight is the airline’s responsibility, and both of the following criteria apply:
The amount of compensation you may be entitled to depends on:
If the above criteria are satisfied Consumer Affairs advises that you review the terms and conditions of the airline and submit a claim with the airline to get compensation.
Once you have reviewed the terms and conditions of the airline, and you have confirmed you are entitled to compensation, Consumer Affairs advises that you contact the airline as soon as reasonably possible.
The airline’s customer services department will usually help. Consumer Affairs advises that you be prepared to provide all of your flight details, booking reference numbers and proof of purchase.
Once you have spoken to the airline’s customer representative, it is advised that you follow-up with a written claim. In your written complaint it is advised that you state what went wrong and what you want the airline to give you.
In support of the complaints process, secure all supporting documentation and records of correspondence between yourself and the airline. Consumer Affairs advises that you take notes of who you have spoken with from the airline as this could be useful if you decide to take your claim further.
If you’ve asked the airline to compensate you, and they refuse to provide you with appropriate compensation, it is advised that you contact Consumer Affairs and submit a formal complaint.
Alternatively, if you have travel insurance you might be able to claim from your travel insurance provider. It is at this stage Consumer Affairs notes the value of the protection travel insurance may afford you as a consumer. Consumer Affairs advises that when you seek to obtain travel insurance confirm whether the insurance provider covers cancellations.
When seeking compensation for a delayed or cancelled flight it is usually best to ask for a refund instead of an airline voucher. When you contact the airline it is recommended that you ask whether you are able to choose between the two options.
If you are thinking of accepting a voucher Consumer Affairs advises that you review the terms and conditions of the voucher and make note of the following conditions:
If you are experiencing delays in obtaining a refund (i.e. longer than 7 days) Consumer Affairs advises that you contact the airline and ask how long the refund will take. It is worth telling the airline if you need the money urgently (e.g. if you’ve lost your job).
If the refund takes longer than the airline or travel agency said it would take to reimburse you, it is advised that you submit a formal complaint with the airline; either orally and/or written. If after submitting a formal complaint you have not received the refund, contact Consumer Affairs And submit a formal complaint so that Consumer Affairs may assist with resolving the matter.
If the airline or travel agency refuses to provide a refund, and you have travel insurance, it is advised that you check your insurance policy to confirm whether you can make a claim. To confirm whether you can make a claim you could either read the terms and conditions of your insurance policy or contact the insurer and speak to a customer service representative directly.
If you claim on your travel insurance policy you might have to pay an excess fee or a higher fee for travel insurance with the insurance provider in the future.
If you booked airline travel arrangements on behalf of someone else you might not be able to claim back the monies paid unless they are also named on your insurance policy (i.e., you booked travel arrangements for yourself and your children and partner). In this circumstance it is advised that you ensure the individuals that you have booked the travel arrangements for are also named on the insurance policy as beneficiaries.
Alternatively, if you are unable to make a claim on your travel insurance policy you could check if you can get a refund if you paid by card or PayPal instead. You can try to get a refund from your card provider at the same time as starting your insurance claim. You can only get are fund from one of them - if you keep the money from both it could be fraud.
If the airline or travel agency you booked with has gone out of business you should check if your booking will still go ahead by either:
If you booked with a travel agent, you should contact the other companies your travel is with (e.g., your flight or hotel provider.
Travel insurance can give you extra protection if your holiday doesn't go as planned. It is particularly important to take out travel insurance if you are travelling independently because you may find yourself stranded with no way to get home and no-one to help sort out your holiday problem.
Travel insurance can protect you against the following events:
If you don't have travel insurance you will have to pay out of your own pocket to deal with a problem while you're away. Or you may lose money if you have to cancel a trip and can't get your money back. This could cost you thousands of pounds.
Travel insurance is widely available. You can buy travel insurance from:
Sometimes travel insurance might be included as an extra service offered through your existing financial service provider. Consumer Affairs advises that you contact your service provider to confirm the existence of insurance services, the cost associated with insurance coverage and the scope of coverage.
Your travel agent may offer you travel insurance as part of a package holiday. You can opt for this type of insurance if you want to but you don't have to buy this insurance as it is likely that you may be able to obtain better insurance at a better price from a designated licensed insurance provider
The travel agent is breaking the law if they try to make you take it out or charge you more for your holiday because you refuse to accept it. If this happens contact Consumer Affairs for guidance.
Before buying travel insurance it is important to consider the following:
Your travel insurance should always include the following cover:
How much you pay will depend on the amount of cover you're likely to need. You should never under-insure yourself just to save money. However, you may be able to keep costs down.
Additionally, Consumer Affairs advises that you check if your household contents insurance policy covers you for items you take away from home. If it does, you could choose a larger excess on your travel insurance policy.
Before you purchase a travel insurance policy you should shop around to compare available travel insurance policies. The cheapest policy may not offer best value for money so it is important to confirm the scope of the policy as well as how much the policy costs. If you have particular needs it may be better to find an insurer that offers specialist cover.
Consumer Affairs advises that when you are travelling that you make sure you take your insurance policy number and the emergency contact details away with you to ensure you can make a claim while travelling. In the event you face an emergency you will know exactly who to speak to if you havea problem and it can be dealt with as quickly as possible.
If you need to make a claim on your travel insurance policy when you get home, Consumer Affairs advises that you check the following things before you send off your claim:
The insurance provider may be able to email this to you to speed things up. Upon receipt of the claim form Consumer Affairs advises that you complete the claim form carefully and keep a copy for yourself at the same in which you submit the completed claim form.
In support of your insurance complaint Consumer Affairs advises consumers to include copies of all evidence that will support their claim (e.g., receipts or medical certificates). Consumer Affairs advises consumers to keep copies of the original evidence provided in a safe location in case your claim is queried or refused.
Upon receipt of your insurance claim your insurer may ask if you have other insurance that may cover the claim. In this circumstance you will need to let them know if you have other insurance that may also offer to cover your claim (e.g., home contents insurance).
If your belongings are lost or stolen while you are travelling abroad Consumer Affairs advises that you tell the local police within 24 hours of the items going missing. If this is not possible, Consumer Affairs advises that you tell someone else (e.g., such as your tour rep, hotel manager or transport provider) and get a written report in support.
If you have to replace essential items (e.g., toiletries or emergency clothing) Consumer Affairs recommends that you ask for and keep all receipts to send to your insurance provider as evidence in support of your claim.
If you need medical treatment while you are away, Consumer Affairs advises that you try to contact your insurer straight away and get them to agree to the medical treatment while abroad. Consumer Affairs advises that you contact your insurance provider before the medical treatment is carried out, although Consumer Affairs appreciates that this may not be possible in an emergency.
If you require medical aid while travelling abroad, you may have to pay upfront for medical treatment and claim the cost of medical treatment when you return home. Consumer Affairs advises that you always make sure you get receipts for any treatment or medication you are given.
If you did not tell your travel insurer about any pre-existing health condition before you took out the insurance policy, you may not be covered if you need treatment for this health condition while you are away. Additionally, you may not be able to claim for the cost of any medication that you usually need and may have to take while you're travelling.
Travel insurance should cover you for pregnancy if you are in normal health. However, some airlines won't let you fly if your baby is due within a few weeks.
If you need to make a claim because you have cancelled or shortened your trip, your insurer will likely only accept your claim if you have a good reason for doing this. Good reasons for the cancellation or shortening of your trip may include:
If you have to come home early your insurer will usually only refund any extra travelling costs and the cost of any unused time in your holiday accommodation.
When travelling alone you cannot rely on a hotel representative or tour guide to help you if you have a medical emergency so it’s especially important to have medical insurance. Without insurance medical emergencies abroad can cost thousands of dollars.
If you have travel insurance, Consumer Affairs advises that you contact your insurance company if you have a medical emergency.
Your insurance policy should have given you an international number that you can use to get in touch with your insurers. Your call will usually be dealt with by an assistance company which is appointed by the insurer to arrange the necessary medical treatment.
If you think your illness or accident was caused by your hotel or accommodation you might need to think about making a personal injury claim.
However, as an independent traveller it can be very complicated and expensive to make a personal injury claim. You are unlikely to be able to make your claim in a Bermuda court.
Instead, you will probably have to make a claim in the country where your accident occurred or where you became ill. If you are thinking of making a claim for an accident you had on holiday, Consumer Affairs advises that you get legal advice.
If you have an insurance claim refused by your insurance provider, it is important to check the small print in your insurance policy to make sure that you are covered for your claim.
An insurer may refuse to pay out some or all of your claim because:
If you think that you are covered, and you are of the view that your insurer is acting unfairly, Consumer Affairs advises that you file a written complaint against the insurer. Your complaint should outline what term or condition in your insurance policy you are relying on when you made your complaint and communicate how you would like the matter to be resolved.
You should give the insurer up to 8 weeks to reply to your complaint. If they don't come back to you, or you don't agree with their response, you can ask for a letter of deadlock. A letter of deadlock confirms that you and your insurer have been unable to reach an agreement. You can then take your complaint to the Bermuda Monetary Authority. The Bermuda Monetary Authority will look into your complaint and make a decision.