Travel Delay. If your booked departure or organised travel to your planned destination at the commencement or completion of a trip is delayed due to: a) strike, labour dispute, industrial action; b) mechanical breakdown; c) disruption of road or rail services by avalanche, snow or flood; where such delay is in excess of four (4) hours, we will pay you twenty pounds (GBP20) per hour for every hour’s delay thereafter up to a maximum of two hundred and forty pounds (GBP240) but we will not pay and this insurance excludes cover where the delay is due to strike action which existed and for which advance warning had been given before the date on which the trip was booked.
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Sources: Travel Insurance Policy, Year Abroad Insurance Policy Wording