We will pay you up to the amount shown in the Table of Benefits for your proportion of irrecoverable unused travel and accommodation costs, as well as other pre-paid charges if you have to cancel your trip for specific reasons :
The death, injury due to an accident, illness, disease, or pregnancy complication of your travel companion, your close relative or your colleague.
Compulsory personal quarantine, jury service attendance or being called as a witness at a Court of Law (other than in an advisory or professional capacity) of you or your travelling companions or the Police or other authorities requesting you to stay at or return home.
Redundancy of you or your travel companion.
You or your travel companion have leave withdrawn and are a member of the Armed Forces (including reserves and territorial), Emergency Services, medical or nursing professions (in the public sector) or Senior employees of the Government.
The Travel Advice Unit of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority in a country which you are travelling to advising against all travel or all but essential travel within 21 days of your departure date, but not including where advice is issued due to a pandemic or regional quarantine.
Insolvency of the accommodation providers or their booking agents or catastrophe.
No suitable alternative public transport is provided within 24 hours of the scheduled time of departure following delay or cancellation of your public transport, or you being involuntarily denied boarding (because there are too many passengers for the seats available.