Do I need to disclose a previous insurance claim on a new policy?
- 31.07.2026
I recently had a significant flight delay on my way to Malta, several hours, though the flight wasn’t technically cancelled outright. I incurred some extra costs as a result, meals, an unexpected taxi, that sort of thing. Can I actually claim these costs through my travel insurance policy given the flight was delayed rather than cancelled?
Whether flight delay specifically, as opposed to outright cancellation, is covered under your travel insurance policy depends entirely on the specific terms of the policy you purchased, since many travel insurance products offered by providers regulated under the Insurance Distribution Act, Chapter 487 of the Laws of Malta, do include a specific flight delay benefit, but this is typically a distinct feature from cancellation cover and often comes with its own specific conditions, such as a minimum delay threshold, for example the delay needing to exceed a certain number of hours before the benefit is triggered, and a capped maximum amount payable for delay-related expenses like meals or incidental costs. Carefully check your specific policy wording for a section addressing flight delay, rather than assuming it falls under general cancellation cover, since these are commonly treated as separate benefits with different qualifying conditions, and if delay cover is included, gather your evidence promptly, including the airline's official confirmation of the delay length and receipts for any expenses you incurred as a result, since these would be needed to support your claim. Separately from any travel insurance claim, depending on the specific circumstances of the delay, you may also have separate rights against the airline itself under EU Regulation 261/2004 regarding flight delays, which is worth considering alongside any insurance claim.
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