if i could give these jokers minus stars I would. Whats the point of having insurance if they wont cover you if you cant go on your holiday due to a terrorist attack ( Sri Lanka)? They have been unhelpful and adamantly refuse to refund or at least look into refunding part of the cost of the holiday that we had to cancel due to Foreign Office advice. Ironically by not covering those who are affected by terrorist attacks that indicated that they would prefer you to travel to a dangerous place, but then again if you did do that your insurance would be void. So you are punished whatever you do. I would steer well clear, but if you do have to use these charlatans then get the travel disruption add on but please go with another operator i implore you to do so. No doubt I will get a response saying some party line copy pasta about talking to the airline ( i have done and the airline wont refund us either we should speak to our insurance provider) or that we aren't covered for some inane reason. Again I would choose another provider for travel insurance and dont believe their verified status on Money Supermarket. These guys are terrible and wont help you if you are in trouble.